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Car Finance

Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

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LL Rework Why Use a Car Finance Broker in 2026 (3)
Car Finance 11 min read

Why Use a Car Finance Broker in 2026

Discover how a finance broker can help access competitive rates, tailored finance solutions, and expert guidance.

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Specialists in Business Finance

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Business Finance 8 min read

Why Use a Commercial Finance Broker in 2026

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We work with a variety of industries, choose yours to see how we can help.

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GGS Guide (1)
Business Finance 9 min read

Complete Guide to the Growth Guarantee Scheme (GGS)

Access loans up to £2m with a 70% government guarantee.

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Introducing Our New Partnership with Fix Auto UK

Charles & Dean have partnered with Fix Auto to provide Franchise Partners with access to flexible, specialist funding.

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Home Business Finance Instant VAT Refunds

Instant VAT Refunds

Get faster access to the VAT your business is owed. Instant VAT Refunds allow you to receive your VAT repayment within hours of HMRC verifying your return, helping to keep your cash flow moving.

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Instant VAT Refund

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Receive your VAT refund in hours rather than waiting weeks for HMRC processing
  • Continue submitting VAT returns as normal with no changes to your processes
  • Improve business cash flow by unlocking funds owed to you faster
  • Simple setup and transparent fees, usually based on a small percentage of the refund

How Do Instant VAT Refunds Work?

Let’s look at a breakdown of how Instant VAT Refunds work step by step

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Connect Your Account

Set up your account and securely link your HMRC Government Gateway so the provider can monitor when your VAT returns are submitted and verified.

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Submit Your VAT Return

Continue filing your VAT return as usual through your accountant or accounting software. Your existing process stays exactly the same.

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Get Your Refund Faster

Once HMRC verifies the return, the provider releases your VAT refund to your business account immediately, rather than waiting for HMRC’s full repayment timeline.

Instant VAT Refund Highlights

Get Your Refund Faster

Instant VAT services can get your money returned much faster than the standard HMRC process, allowing you to get back to running your business, rather than waiting around.

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All VAT registered businesses are eligible for this low cost solution

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Easy signup. Less than 5 minutes to set up

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Refund sent straight to your business bank account (minus fees)

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Simple to activate or deactivate at any time

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No changes to your business or accounting processes required

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Are Instant VAT Refunds Right For You?

If your business regularly receives VAT repayments, waiting weeks for HMRC to process refunds can create unnecessary cash flow gaps. Instant VAT Refunds allow you to access funds you’re already owed much sooner, helping you reinvest in stock, operations, or growth without delays.

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This product might be right for you if...

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Your business regularly receives VAT refunds from HMRC

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You want to improve cash flow without taking on additional debt

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You need faster access to funds to support day-to-day operations

This product might not be right for you if...

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Your business typically pays VAT rather than receiving refunds

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Waiting for HMRC repayments doesn’t affect your cash flow

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You prefer not to pay a fee for early access to funds

Instant VAT refund services usually charge a small transaction fee based on the refund amount.

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

What To Do Next

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Get Your Refund

Tired of waiting for HMRC? Connect your account now and start your VAT refund process today.

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Read Our FAQs

Still have questions about Instant VAT Refunds, we may have answered your question in our FAQs.

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Calculator

Free Calculator

Try out our free Instant VAT Refund calculator and get a clear breakdown of what your refund could look like.

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Instant VAT Refund Calculator

To make things easier, our Instant VAT Refund calculator helps you clearly see how much you you would get back, minus a small fee for the faster process.

 
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Our FAQs

Common questions about Instant VAT Refunds answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

What are Instant VAT Refunds?

Instant VAT Refunds allow businesses to receive their VAT repayment as soon as HMRC verifies the return, rather than waiting for the full repayment process to complete.

How quickly can I receive my VAT refund?

Once HMRC verifies your VAT return, the refund can typically be released within hours, depending on the provider and banking timelines.

Do I need to change how I submit VAT returns?

No. You or your accountant continue submitting VAT returns in the usual way through HMRC or your accounting software.

Is this the same as a VAT loan?

No. Instant VAT Refunds are not loans. They provide early access to funds you’re already owed, usually for a small transaction fee.

Who can use Instant VAT Refund services?

Any VAT-registered UK businesses can use Instant VAT refund services, including sole traders, partnerships, and limited companies, subject to provider eligibility checks.

What’s the difference between a standard VAT refund and an Instant VAT refund?

With a standard VAT refund, you wait for HMRC to complete the full repayment process before receiving funds. Instant VAT refunds allow you to receive the money as soon as HMRC verifies your return, usually for a small transaction fee.

How do Instant VAT refunds work?

You submit your VAT return as normal through HMRC or your accountant. Once HMRC verifies the return, the refund is released to your account immediately. The provider then collects the repayment from HMRC later.