Commercial Loan Funding for Business Growth in 2025

Commercial loans  Funding for Business Growth in 2025 can provide the financial boost your UK business needs to grow. Whether you’re a high-street retailer or a hospitality provider, managing VAT payments and maintaining cash flow can be challenging, especially with the new tax increases announced in Chancellor Rachel Reeve’s autumn budget.

Like many businesses in the UK, VAT obligations begin when your taxable turnover exceeds £90,000, as of December 2024. However, with the financial strain on the retail and hospitality sectors, commercial loans can offer a lifeline to help manage cash flow and support long-term success.

When is VAT Due for High-Street Businesses?

The majority of VAT-registered businesses will be required to complete VAT returns quarterly, or at the end of each fiscal period. Each fiscal year is split into four periods, known as Q1, Q2, Q3, and Q4, each comprising three consecutive months.

VAT returns must be submitted to HMRC, along with payment for that fiscal quarter, within 1 month and 7 days of the end of each quarter. Your VAT return will display the payment deadline, but you can also use the Government’s VAT deadline calculator to double-check.

Avoiding Late Payment

If you’re unable to make a payment by the deadline, late payment interest will be charged. This is calculated from the first day your payment is overdue until the day it’s paid in full. Interest is calculated at the Bank of England base rate plus 2.5%. You can find more information on penalties and charges.

With the number of UK shops closing per day rising from 36 in 2023 to 38 in 2024, retail businesses are more concerned than ever about ensuring they meet their tax obligations.

Many businesses plan for VAT payments in advance, setting aside emergency funds. But even routine VAT bills can disrupt business operations and hinder growth. This is where a commercial loan can help relieve financial pressure, allowing you to focus on your long-term success.

Commercial Loans: A Solution for VAT Payments and Business Growth

When working capital is tight, businesses may need to explore alternative funding options. Whether you need to cover your VAT bill, finance stock purchases, or invest in business growth, White Oak UK can provide the flexible and fast commercial loans you need.

With our VAT loan service, we can make payments directly to HMRC or transfer the funds to the appropriate account. This enables you to free up capital for other priorities such as staffing, marketing, or property maintenance. We also offer a flexible repayment plan, with the option to spread repayments over three months.

Building for 2025: Commercial Loans for Long-Term Growth

As you plan for 2025, a commercial loan can help propel your business forward. Whether you’re looking to expand your operations, upgrade your premises, or simply bolster your working capital, White Oak UK offers bespoke financing solutions tailored to your needs.

Our commercial loans are designed to support your business growth, providing you with the resources needed to take advantage of new opportunities and overcome any financial challenges you may face.

Get a Free Finance Quote for Your VAT Bill and Future Growth

We pride ourselves on offering fast, flexible, and tailor-made finance solutions for businesses in the retail and hospitality sectors. Find out how our VAT loans and commercial loans can help your business thrive by calling us on 01244 527300, emailing admin@whiteoakuk.com, or visiting our online chat to speak with a member of our team.

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If you are looking to find the right finance for your business, contact us today.

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