About
Us
What we do
At Finance My VAT, we help UK businesses spread the cost of their VAT bills with tailored, short-term finance solutions.
VAT can be a significant outlay for businesses — often hitting at the wrong time and putting pressure on day-to-day cash flow.
For many companies, this creates a frustrating barrier to growth, investment, or simply keeping operations smooth.
We provide a simple way to manage VAT liabilities by offering flexible repayment plans that align with your cash cycle — so you stay in control without dipping into working capital or delaying other commitments.
Whether you’ve only been trading a few months, are a growing business or an established firm, our service is designed to reduce the strain of VAT payments and give you the breathing space to focus on what matters most: running your business.
Why use us?
With over 20 years of experience in the finance industry, we understand the pressures that VAT liabilities can put on your business — and how crucial cash flow is to growth and stability.
At Finance My VAT, we make the process as simple and stress-free as possible. We work with a panel of trusted UK lenders to tailor short-term finance solutions that fit your business needs — without the jargon, delays, or hidden fees.
Here’s why businesses choose us:
Over two decades of finance experience supporting UK SMEs
Fast, straightforward application process
Access to a panel of specialist lenders to find the right fit
Personal, one-to-one service with no call centre scripts
Transparent terms
We’re not here to overcomplicate things — just to help you manage your VAT obligations with ease, and free up your time to focus on running your business.
About me
I’m Jamie McElwaine, founder of Finance My VAT — a financing specialist with over 20 years of experience in the financial services sector.
2005: Completed my Business degree and began my career at HBOS plc, working in asset finance.
2009: Moved to LDF (now White Oak), where I spent several years progressing through support and sales roles.
2016: Transitioned into freelance finance brokering, helping businesses find flexible funding solutions.
2018: Co‑founded JPM Capital Finance, an FCA-authorised brokerage and lender.
2021: Launched AJL Finance, an FCA-authorised brokerage helping UK SMEs with a variety of business finance requirements
2025: Launched Finance my VAT, to focus specifically on helping UK SMEs manage VAT liabilities with clarity and support.