HMRC Payment Loans – An Alternative to Time to Pay

When HMRC comes calling for VAT, corporation tax, PAYE, or other liabilities, you need a solution that works for your business – not just for the taxman. Doulton Bridging Finance provides independent quotes for HMRC payment loans from specialist lenders that give you the flexibility to manage tax obligations without the drawbacks of official Time to Pay arrangements.

Why Choose an HMRC Loan Over Time to Pay?

HMRC's Time to Pay (TTP) arrangement might seem like the obvious solution, but it comes with significant disadvantages that many businesses don't anticipate:

Time to Pay Drawbacks:

• Not guaranteed – HMRC can refuse your application

• Creates a marker on your credit file

• Triggers increased HMRC scrutiny of your business

• Can affect future funding applications

• May lead to security demands over business assets

• Limits your control over repayment terms

• Potential for HMRC to petition for winding up if you default

Our HMRC Loans Offer:

• Commercial lending with competitive rates from 6.9% APR

• No impact on HMRC relationship

• Maintains clean credit profile

• Flexible terms designed around your business

• Professional service with clear documentation

• Preserve your business reputation

What HMRC Liabilities Can We Finance?

We provide loans for all types of HMRC obligations:

VAT Liabilities Quarterly or annual VAT bills, including postponed VAT accounting for importers.

Corporation Tax Full or partial CT bills for any accounting period.

PAYE and NIC Employment tax liabilities including historical arrears.

Self Assessment Tax Personal tax bills for directors and business owners.

Construction Industry Scheme (CIS) CIS deductions and related liabilities.

Multiple Tax Obligations Consolidated loans covering several different tax types.

How Our HMRC Loan Service Works

Simple form Simple online or telephone application taking just minutes to complete.

Quick Assessment Our team reviews your business circumstances and tax liability within 24-48 hours.

Competitive Quote Receive clear pricing with rates from 6.9% APR and transparent fees.

Rapid Payment Funds can be paid directly to HMRC or to your account for you to forward.

Structured Repayment Monthly payments over 3-12 months to suit your cash flow.

Loan Amounts and Terms

Available Funding: £10,000 to £5,000,000 Repayment Period: 3 to 12 months Interest Rates: From 6.9% APR Arrangement Fees: Competitive and disclosed upfront Early Settlement: Usually available without penalty

Who Can Apply?

Our HMRC payment loans are designed for:

• UK businesses trading for 12+ months

• Limited companies, LLPs, and partnerships

• Sole traders (for larger amounts)

• Businesses facing genuine cash flow timing issues

• Companies with clear ability to service repayments

• Directors seeking to pay personal tax from business funds

The Cost Comparison

Let's compare the true cost of different HMRC payment options:

Time to Pay:

• No direct interest charge BUT...

• Potential late payment penalties

• Possible impact on future borrowing (higher rates)

• Risk of HMRC enforcement action

• Stress and uncertainty

Business Overdraft:

• Typical rates 10-15% APR

• Repayable on demand

• Reduces working capital facility

• May breach banking covenants

Our HMRC Loans:

• Fixed rates from 6.9% APR

• Structured repayment schedule

• No impact on existing facilities

• Transparent costs

• Peace of mind

When to Consider an HMRC Loan

Cash Flow Timing Your income and outgoings don't align with tax deadlines.

Growth Investment You've invested profits into business expansion and lack liquid funds.

Seasonal Variations Your business has peak and trough periods that don't match tax quarters.

Unexpected Bills Tax liabilities exceed your projections or expectations.

TTP Rejected HMRC has refused or cancelled a Time to Pay arrangement.

Credit Protection You want to pay HMRC without damaging your credit profile.

Multiple Liabilities Several tax bills have accumulated requiring consolidated funding.

The Application Process

Step 1: Initial Contact Call us or complete our online inquiry form. Tell us about your HMRC liability and business circumstances.

Step 2: Information Gathering We'll need:

• Details of HMRC demand(s)

• Recent business accounts or management figures

• Bank statements (typically 3-6 months)

• Proof of trading

Step 3: Assessment our lenders will review your application, usually within 24-48 hours.

Step 4: Formal Offer Receive a detailed loan agreement with all terms clearly stated.

Step 5: Completion Sign documentation (often electronically) and receive funds rapidly.

Step 6: HMRC Payment We can pay HMRC directly or transfer funds for you to settle.

Protect Your Business Reputation

Owing HMRC money creates stress, but how you handle it affects your business reputation:

Time to Pay arrangements can:

• Appear on credit files

• Concern suppliers checking your credit

• Worry potential investors

• Complicate refinancing

• Trigger supplier credit limits

Commercial lending maintains:

• Clean credit profile

• Normal trading relationships

• Business reputation

• Future funding options

• Your privacy

What If You Already Have a Time to Pay?

If you're currently on a Time to Pay arrangement but finding it difficult or want to remove the marker from your records, we can help. Our HMRC loan can:

• Pay off your existing TTP agreement

• Remove HMRC scrutiny

• Provide more flexible terms

• Clear the arrangement from your credit file

Industry Experience

We've helped businesses across all sectors manage HMRC obligations:

• Construction firms with CIS complications

• Retail businesses with seasonal cash flow

• E-commerce companies with VAT challenges

• Professional service firms with CT bills

• Manufacturing businesses with multiple tax types

• Hospitality sector with PAYE issues

Why Doulton Bridging Finance?

Specialist Expertise: We focus on business funding, particularly tax-related finance.

Fast Decisions: In-house underwriting delivers quick answers when you need them.

Competitive Rates: From 6.9% APR – better than most alternatives.

Relationship Approach: We understand business challenges and work with you.

Transparent Service: No hidden fees, no surprises, no small print tricks.

Confidential: Your HMRC situation remains private.

Take Action Today

HMRC deadlines don't wait, and penalties accumulate quickly. Whether you're facing an imminent payment deadline or want to clear existing arrears, our HMRC loans provide a commercial solution that works for your business.