Bridging Finance

Corporation Tax Bridging Loans

Short-term bridging finance to meet HMRC corporation tax deadlines. Property-backed lending to avoid penalties and protect your working capital.

Corporation Tax

Profitable businesses still face cash flow gaps

A profitable year is good news, but the corporation tax bill that follows can create a real cash flow challenge. When your money is tied up in stock, property, contracts, or growth, finding a lump sum for HMRC is not always straightforward.

A corporation tax bridging loan provides short-term, property-backed funding to pay your tax bill on time. This avoids HMRC penalties and interest, preserves your working capital, and gives your business breathing room to generate the cash needed to repay the loan.

7 Days

Fastest Completion

75%

LTV Available

130+

Specialist Lenders

0.55%

Rates From (pm)

Why Doulton

Why use bridging for corporation tax?

Meet HMRC Deadlines

Corporation tax is due 9 months and 1 day after your accounting period ends. A bridging loan ensures you pay on time, even when business cash flow does not align with the deadline.

Avoid Penalties and Interest

HMRC charges interest from the due date plus penalties for late payment. A short-term bridging facility is typically far cheaper than the combined cost of HMRC penalties and accrued interest.

Protect Working Capital

A large corporation tax bill can deplete the cash reserves you need for wages, suppliers, and day-to-day operations. Bridging finance preserves your working capital for business needs.

Business or Personal Property

Secure the loan against commercial premises, residential property, or a mix of assets. Directors can use personal property to support a corporate borrowing if needed.

Fast Completion

We regularly complete corporation tax bridging facilities within 7 to 14 days. For urgent cases with straightforward security, even faster timelines are sometimes possible.

Flexible Repayment

Repay when your business generates the cash - from trading profits, a property sale, refinance, or incoming contracts. Terms are structured around your specific circumstances.

Common Situations

Why businesses need corporation tax bridging

Cash Tied Up in Growth

You have reinvested profits into expansion, stock, or equipment. The business is profitable on paper, but liquid cash is committed to growth initiatives.

Timing Mismatch

Large contracts have been invoiced but payment terms mean the cash arrives after your tax deadline. The revenue is certain, but the timing does not align.

Property-Rich, Cash-Light

The business or its directors own valuable property assets but liquid reserves are limited. A bridging loan unlocks the equity in those assets to cover the tax bill.

Unexpected Tax Liability

A higher than expected profit, a capital gain, or a change in tax rules has created a larger bill than planned for. A bridging loan provides the funds at short notice.

The Process

How it works

Share Your Situation

Contact us with the amount of corporation tax due, the payment deadline, and the property you can offer as security. We provide indicative terms within hours.

Lender Matching

We approach the most suitable lenders from our panel of 130+ who specialise in business tax bridging, focusing on speed and competitive pricing for your case.

Expedited Processing

Valuation and legal work are fast-tracked to meet your deadline. We coordinate all parties and remove obstacles to keep the process on schedule.

Tax Bill Settled

Funds are released so you can pay your corporation tax on time. No penalties, no HMRC interest, and your business continues to operate with its working capital intact.

Corporation tax deadline approaching?

Do not let a cash flow gap turn into HMRC penalties. Contact our team today for fast, confidential corporation tax bridging finance.

Get a Quote Discuss Your Tax Bill

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

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