EFF, a BloomSmith partner
EFF partnered with BloomSmith to strengthen our financial solutions for clients investing in or expanding their business operations within the UK. BloomSmith is a leading provider of commercial property VAT bridging loans, offering fast, flexible funding options that help businesses manage cash flow when purchasing VAT-liable assets such as offices, warehouses, and factories.

Through this collaboration, EFF can now support clients with specialised VAT funding solutions that simplify the property purchase process and eliminate delays caused by VAT reclaim timelines. By bridging the gap between purchase and VAT refund, our partnership with BloomSmith helps clients complete transactions more efficiently, maintain liquidity, and focus on driving business growth.
EFF’s in-depth knowledge of UK VAT compliance and financial processes, combined with BloomSmith’s innovative lending expertise, allows us to deliver an integrated approach to property and investment funding. Together, we help clients navigate complex financial challenges with confidence — providing clear guidance, expert consultation, and ongoing support throughout the entire transaction lifecycle.
Whether you’re acquiring commercial property, expanding into the UK, or seeking ways to optimise cash flow during VAT-heavy transactions, EFF and BloomSmith offer the expertise and resources to make the process smooth, compliant, and cost-effective.
How this partnership benefits your business
Whether you’re expanding your presence in the UK, acquiring new premises, or facing VAT-related cash flow challenges, our partnership with BloomSmith provides clear and measurable benefits:
- Improved cash flow – Access fast VAT bridging loans that free up working capital during property transactions.
- Faster completion – Finalise acquisitions and investments without waiting for VAT refunds to clear.
- Reduced financial pressure – Maintain liquidity and operational flexibility while VAT is being reclaimed from HMRC.
- Integrated support – Combine BloomSmith’s VAT funding with EFF’s accounting, compliance, and advisory expertise for a complete financial solution.
- Expert consultation – Rely on specialists who understand both the complexities of UK VAT law and the financial realities of commercial property transactions.
- Strategic growth – Enable new opportunities for expansion and investment without unnecessary financial strain or delay.


