The situation
Client payment terms were 30–45 days, but the VAT deadline was fixed. Paying the tax in full would have left too little buffer for payroll and software subscriptions due the same week.
What they did
They used PayLTR to cover the VAT amount, spreading repayment over a schedule that matched when their largest client invoices were expected to clear.
The outcome
The VAT return was filed and paid on time, teams were paid without stress, and the agency avoided late fees or emergency overdraft use.
We were staring at a VAT payment the same week payroll and subs hit. PayLTR let us pay the tax authority on time without freezing the studio.
- Amount financed
€22,400
- Application time
11 minutes
- Time to receive funds
Next business day
- Payment break used
90 days
- Repayment term
24 months
- Result
VAT paid on time, payroll and subscriptions covered