VAT Bridging Loans

Real estate VAT funding made simple

Check your eligibility in under five minutes, receive VAT funding within 48 hours. Borrow without a second legal charge.

Fund your VAT today | Simple Fast Effective Transparent

VAT Bridging Loans

Real estate VAT bridging loans made simple

Check your eligibility in under five minutes, receive funds within 48 hours

Expert lenders of VAT bridging loans on commercial property

Confirm your eligibility in minutes and receive your funding in as little as 48 hours. Unsecured short-term loans of up to £10 million available, transparent fees, no second legal charge required. A powerful financial tool for freeing your cashflow and delivering immediate liquidity.

The experts at delivering fast and effective VAT bridging loans on commercial property and land. 

Confirm your eligibility in under five minutes and receive your funding in as little as 48 hours. 

Unsecured loans between £50,000 and £10 million available, no hidden fees, no second legal charge required.

Free your cashflow and deliver immediate liquidity.

Our simple five-step process

1) Confirm that you qualify for funding in five minutes with our online eligibility checker

2) Our team will contact you within 30 minutes of your eligibility check

3) Get a decision on your funding in as little as two hours

4) Receive your funding within 48 hours and complete your purchase

5) Your loan principal is repaid by HMRC on your behalf

£ 150 m+
Value of properties lent against
20 %
VAT funding available
£ 250000
Minimum loan value
1 minutes
Eligibility confirmation
0.1 %
Average monthly interest rate
20 days
Typical HMRC repayment term

Providing VAT bridging loans to British property developers and investors since 2015; fund the cost of your VAT for as little as 1.1% of your purchase price

Trusted partners

Trusted partners

100% VAT funding in as little as 48 hours

With decades of experience across real estate and finance, we understand the importance of keeping on top of your cashflow when purchasing a property.

We know that meeting the VAT charge on a property purchase can represent a significant challenge to your short-term liquidity, which is why we’ve developed an easily accessible VAT funding line that helps you avoid eating into your equity or pre-existing loan facility.

Our five-step process means you can receive a VAT bridging loan fast, spreading the cost of your tax obligation and letting you allocate your finances to where you need them most.

Our simple five-step process

1) Confirm that you qualify for funding in under five minutes with our online eligibility checker

2) Our team will contact you within one hour of your eligibility check

3) Get a decision on your funding in as little as two hours

4) Receive your funding within 48 hours and complete your purchase

5) Your VAT loan’s principal is repaid by HMRC on your behalf

Trusted short-term VAT bridging loans

Working with the award-winning specialist bank Shawbrook Bank, we are perfectly placed to deliver effective short-term financing for your business. 

Our processes and finances are audited quarterly by Rockstead: allowing you to borrow from our team with complete confidence.

Proud patron lenders of the National Association of Commercial Finance Brokers, the largest independent trade body for commercial finance brokers in the UK.

Explore our case studies below to learn more about some of our recent success stories.

Borrowing from BloomSmith

Our team of experts are here to help provide you with a unique financial product that redefines how you manage your cashflow, mitigates risk and meets the needs of an upcoming VAT payment on your property.

Investors and developers

Secure opportunities as they present themselves, don’t let HMRC stand in the way.

Allocate your business capital to where you need it most by accessing our fast, unsecured VAT bridging loans.

Unlock your development’s potential with a powerful cashflow facility that reimagines your project management.

Brokers

A unique VAT funding solution for your clients to complement senior loan provisions.

Let our expert team of advisors, account managers and solicitors help you deliver quick financial solutions you can trust.

Our streamlined processes and fast commission payments will add to your firm’s earnings potential.

Administrators

Overcome financial constraints on time-critical disposals with our simple, effective VAT liquidity solutions.

Facilitate rescues and orderly wind-ups with our VAT bridging loans that lead to effective distribution of assets to creditors.

A flexible funding solution designed to help you streamline how you manage insolvencies.

Hear from our happy clients

We have an unrivalled track record of delivering VAT funding on commercial real estate, having lent against more than £200m worth of property. This success comes from our philosophy of fostering trusting and transparent relationships, as is demonstrated by these kind words from some of our clients.

Join our list of happy borrowers today by seeing if you qualify for a loan with our free eligibility checker.

Caroline Small,
Blue Shield Capital
Blue Shield Capital was very pleased with its experience with BloomSmith. We are very happy to have worked with such a great firm.
Tanya Elmaz,
Director of Intermediary Sales at Together
It’s incredibly rewarding to see the success of a strong working relationship... providing fast and flexible finance to help our customers achieve their property ambitions.
Ludo Mackenzie,
Head of Commercial Property Octopus Property
The most reliable VAT lender in the market.
John Phillips,
Kingswood Associates
BloomSmith has consistently provided our clients with fast VAT bridging loans that have helped us expedite several property purchases. Their team are always on-hand and can conduct deals in a timely and efficient manner. We have now worked together on many occasions and will continue to do so into the future.
Dennis Taylor,
Begbies Traynor Group
A fantastic and knowledgeable team we have partnered up with at Begbies Traynor, offering financial services second to none.
Jake Francis,
Shawbrook, Speciality Finance
Property is a fast-moving competitive sector, particularly in the commercial space, and the proposition BloomSmith has created is highly compelling. It has been a pleasure working with the very experienced management team and to extend the specialist support we can provide the alternative lending community.
Tom Reynolds,
Carbon Funding Consultants
We’ve partnered with BloomSmith on a number of deals now and can highly recommend their services. They’ve delivered effective, transparent finance and clear communication from day one, helping us get deals over the line.
Mark Breen,
Capilon Hotels, Managing Director
[BloomSmith] have worked diligently to help deliver VAT funding for this purchase and we look forward to working with them again in the future.
Naila Din,
Edin Developments Ltd
BloomSmith were recommended to us for the VAT loan by an experienced broker and we found working with them extremely simple and fuss-free. There was no second charge required on the purchase, which made the VAT facility attractive and hassle-free from a legal perspective.
Sam Bramhall-Allan,
Transparent Specialist Finance
[BloomSmith] have been meticulous in their support, and we look forward to collaborating with them again in the future.”
Donna Kerr,
Synergy Commercial Finance
Being able to quickly provide specialist financial solutions tailored to our client’s needs is at the heart of our operations... We have worked with BloomSmith to broker several deals now and they have continuously delivered timely funding for clients.
Haley Tansey,
Owner of the Malthouse, Rishworth
We were buying the pub and hotel from Enterprise Inns. With the short term VAT to pay on the purchase, and SDLT as well, we welcomed BloomSmith’s involvement in our transaction. They helped us structure the deal, the legals were simple and the senior lender was happy as they required no legal charge.
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Our story

Formed in 2015, BloomSmith was created with the goal of delivering innovative specialist funding for the commercial property sector.

Much has changed since then but our dedication to our founding principle of providing simple, fast and effective VAT funding remains.

Our team

Bringing a wealth of experience across real estate, finance, and debt purchasing, our team is perfectly placed to deliver funding that releases equity tied up by your VAT obligations. 

Come and explore why we are the best placed people to inject cash into your business and help you undertake a seamless property purchase.

About BloomSmith

BloomSmith is a specialist provider of VAT funding on real estate transactions. Formed in 2015, the business focuses on addressing funding shortfalls in the lending market and providing an innovative short-term financing solution.

We lend without legal charges and loans can be secured in as little as 48 hours thanks to the structure of our lending model.

Proud members of the National Association of Commercial Finance Brokers, the UK’s largest independent trade body for commercial finance brokers, our team calls upon decades of experience working with investors, developers, contractors, funds, banks, bridging lenders, lawyers, accountants and more to deliver a streamlined lending experience you can trust.

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