Adsum is a UK-based fintech specialising in Instant VAT refunds and tax credits for businesses.

Apply Now




Max term

10k - 1m

Min/Max Loan



Founded in 2019, Adsum is a leading FinTech, providing R&D and creative industry tax credit loans as well as its core proposition of VAT bridging loans. The team, which includes an in-house VAT expert, pride themselves on providing a fast, friendly, and professional service. With the support of market leading technology and a fully tech-enabled platform they can process deals quicker and offer market-leading rates to all customers.

Adsum’s VAT facilities allow businesses to raise short-term finance to fund the VAT element due on a wide variety of acquisitions including vehicles, computer hardware, stock, inventory, plant, machinery, land and commercial property. Thereafter the Adsum team will ensure each borrower’s VAT reclaim is a smooth and speedy process. A strong and reliable capital base means they can offer loans from £10,000 upwards with no upper limit. With a maximum 100% LTV and turnarounds in as little as little as 48 hours, it is not hard to see why Adsum have clients that use their services again and again.

With HMRC refunding £75Bn every year the Adsum team undertook substantial market research and pilot surveys in advance of their launch to ensure they got things right! Unlike traditional lenders, such as banks, who can take up 3 months to make a lending decision, Adsum look to cover all necessary due diligence and make these decisions in an average of just 5 days. Whereas banks will ask for up to 40 documents Adsum will ask for just 7 and whilst most banks will have layers of bureaucracy Adsum clients speak directly to decision makers. With a culture of saying ‘yes’ the Adsum team support borrowers wherever and however they can.

Meet the team

Latest news from Adsum

Contact Adsum

Adsum Works
1 Lyric Square
W6 0DB

+44 203 442 0422

Visit website

Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

Can you only obtain a VAT bridging loan on commercial property?

No. In short you can use a VAT bridging loan on commercial property and for SDLT (Stamp Duty Land Tax)

This website uses cookies to ensure you get the best experience on our website. View our cookie policy.Dismiss