I need to cover a shortfall while waiting for a VAT refund — what can I do?

A delayed VAT refund is your money held up; a short facility bridges the wait so a repayment you're owed doesn't leave you short in the meantime. A VAT refund can take time to be processed and paid, especially if HMRC reviews it. In the meantime, that expected cash isn't there when your own bills fall due.

I need to cover a shortfall while waiting for a

2 min read

Refund delayedYour money held

Bridge the waitShort facility

Clear on receiptRepay when paid

Waiting on money you're owed

A VAT refund can take time to be processed and paid, especially if HMRC reviews it. In the meantime, that expected cash isn't there when your own bills fall due.

Bridge the gap

A short working-capital facility covers the shortfall while the refund is processed, then clears when it lands. Because Credicorp lends to the company, it's a simple bridge over your own money.

Keep VAT records clean

Prompt, accurate VAT returns get refunds paid faster and reviewed less. Good records shorten the wait a bridge covers.

What it means for you

Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online when the numbers work.

Frequently asked questions

Can I borrow while waiting for a VAT refund?

Yes. A short working-capital facility bridges the wait for a refund you're owed, clearing when HMRC pays it. It stops a delayed repayment leaving you short in the meantime.

Why do VAT refunds get delayed?

HMRC sometimes reviews repayment claims before paying, which takes time. Prompt, accurate returns get refunds processed faster; a short bridge covers the wait when cash is tight.