Tax Bills That Can Be Financed
VAT Payment Loans
VAT returns are typically due quarterly, and the payment can represent a significant sum relative to current cash reserves - particularly for businesses that have traded strongly in the preceding quarter. A short-term VAT loan covers the payment due date and is repaid over 3-12 months, preserving working capital for operational use.
Corporation Tax Finance
Corporation tax is due 9 months and one day after the end of the accounting period for most small companies - often at a time when cash flow is not at its peak. A corporation tax loan bridges the payment, with repayment spread across the following months.
PAYE and National Insurance
If a business has fallen behind on PAYE or NI contributions, HMRC will move quickly. A short-term loan to clear the arrears and return to compliance is far more cost-effective than the penalties and enforcement risk of leaving the liability outstanding.
Combined HMRC Debt Finance
Where multiple tax liabilities have accumulated - VAT, PAYE, corporation tax, CIS deductions - a single consolidation loan can clear the full HMRC position and convert it to a structured monthly repayment. This also prevents HMRC from taking enforcement action on individual components of the debt.
How the Process Works
Share the HMRC demand or your self-assessment calculation with us. We assess your business profile and source the most appropriate lender - typically an alternative lender or specialist tax finance provider. Funds are usually available within 48-72 hours, cleared directly to your business account for immediate payment to HMRC.
Is a Time to Pay Arrangement an Alternative?
HMRC's Time to Pay (TTP) scheme allows businesses in genuine difficulty to spread tax debt over 12-24 months. However, TTP is not guaranteed, requires a telephone negotiation with HMRC, and can be refused if HMRC believes the business cannot sustain repayments. A commercial tax loan is faster, more certain, and removes HMRC from your creditor list entirely.
Eligibility
Tax finance is available to UK-registered businesses with a demonstrable tax liability and the ability to service the loan repayments. Trading history of 12+ months preferred. Adverse credit is not automatically a barrier.