SECTOR GUIDES
Tax bill funding read for your sector.
Six guides to how tax bills, lender appetite, and cashflow patterns actually look in your industry. Written by the team that arranges this finance every day.
HOSPITALITY
Seasonal cash, lumpy VAT
Christmas takings funding a February VAT bill. The classic squeeze. How loans against VAT and CT bridge the seasonal cash gap for pubs, restaurants, hotels.
Read guide →CONSTRUCTION
CIS, PAYE, and project gaps
CIS deductions tangled with monthly PAYE, project-driven cashflow, subcontractor terms. The bills hit before the certificates pay.
Read guide →PROFESSIONAL SERVICES
WIP-heavy, partner-paid
Cash accounting eligibility (£1.35m threshold), WIP on the balance sheet, partner draws against CT timing. The funding patterns for accountants, lawyers, consultancies.
Read guide →E-COMMERCE
Q4 spike, Q1 VAT bill
OSS scheme for cross-border sellers, inventory tying up cash, January VAT after a strong December. Where commercial finance fits for online retailers.
Read guide →MANUFACTURING
R&D claims as a cash lever
Capital allowances, slow R&D credit payouts, supplier terms creating VAT mismatch. Where R&D advance and VAT loans combine for industrial cashflow.
Read guide →CREATIVE AGENCIES
Milestones, retainers, payroll
Project milestones colliding with monthly PAYE, accrued income on the balance sheet, VAT on retainers. Funding patterns for agencies of every flavour.
Read guide →