Investors and developers​

Fund the cost of your VAT for as little as 1.1% of your property purchase price

Investors and Developers

Regain control of your short-term finances

Having decades of property investment experience behind us, we understand first-hand the impact that property purchase VAT payments can have on your short-term liquidity.

Frustrated by the limited options available for tackling this cash flow blackhole, our team set about developing an innovative funding model that allows companies to obtain quick and easy VAT bridging finance in as little as 48 hours.

This model is founded upon the core principles of delivering fast, simple VAT bridging loans paired with transparent lending practices – so there is no legal complexity or nasty surprises down the line.

To ensure you can receive and repay your loan as quickly as possible, we offer a range of additional solutions including an eligibility checker and Express Special Purpose Vehicles to facilitate your borrowing.

Since 2015, we have delivered loans against more than £200m worth of properties and built relationships with key strategic partners, including the award-winning bank Shawbrook, to deliver market leading funding solutions.

Our process

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

2) Our team will contact you within 60 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

About our loans

Here’s what you can expect from a BloomSmith VAT bridging loan:

✓ Loan amounts from £50,000 to £10m

✓ 100% VAT funding available

✓ Standard loan term of 90 days

✓Transparent fees

✓ Funding available in as little as 48 hours

✓ Unsecured loans, no fixed legal charge taken

About BloomSmith

BloomSmith was founded in 2015 to address funding shortfalls in the commercial real estate lending market.

Our streamlined lending processes have enabled us to develop into industry leaders within the VAT bridging loans market.

As part of our pursuit of transparency, our processes and finances are audited quarterly by Rockstead: allowing you to borrow with absolute confidence.

When is a VAT bridging loan required?

A VAT bridging loan is taken out as a borrowing facility at the final stage of a property purchase.

Usually, our clients are looking for a simple way to mitigate the short-term impact that a sizeable VAT payment can have on their cashflow while they wait for their return.

By taking out a VAT bridging loan, you don’t have to renegotiate with your principal lender or use cash reserves and can gain access to capital in a timely fashion.

If you’d like to learn more about our services, then feel free to request a callback from our team.


Our team has worked with numerous developers and investors to deliver fast VAT bridging loans. Here’s what they had to say about us.

“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.”

Naila Din, Edin Properties Ltd


Read the commonly asked questions we receive.

Our team

Meet the people behind our innovative funding platform.


Read the latest from the BloomSmith team.

Request callback

Are you subscribed?

Get our latest news and knowledge delivered straight to your inbox

Subscribe now

By Signing up you confirm we can use your email address for marketing. More info can be found here