VAT and Corporation Tax Bridging Loans
Fast bridging finance to cover HMRC tax bills. Avoid penalties, protect your business, and meet payment deadlines with short-term property-backed lending.
When HMRC deadlines loom and cash flow is tight
Tax bills have a way of arriving at the worst possible time. Whether it is a VAT payment that is due while you are waiting on customer invoices, or a corporation tax liability that would wipe out your working capital, a bridging loan can provide the short-term funds to pay HMRC on time.
At Doulton Bridging Finance, we arrange tax bridging loans secured against residential, commercial, or mixed-use property. The process is fast, typically completing within 7 to 14 days, and repayment is structured around when your cash flow normalises.
Bridging finance for every type of tax bill
VAT Bridging Loans
When cash flow is tight but your VAT bill is due, a bridging loan provides the funds to pay HMRC on time. Avoid penalties and interest charges while you wait for cash flow to normalise.
Learn about VAT bridging loans →Corporation Tax Bridging Loans
Meet your corporation tax deadline without depleting working capital. A short-term bridging facility secured against property gives you the funds to pay HMRC and keep your business running.
Learn about corporation tax bridging →HMRC Payment Bridging Loans
Cover any HMRC liability including income tax, capital gains tax, inheritance tax, VAT, or corporation tax. Fast turnaround to meet deadlines and avoid enforcement action.
Learn about HMRC payment bridging →Why use bridging to pay your tax bill?
Fast Turnaround
HMRC deadlines do not wait. We regularly complete tax bridging facilities within 7 to 14 days, ensuring you meet your payment date and avoid penalties.
Avoid HMRC Penalties
Late payment of tax attracts penalties and daily interest charges from HMRC. A bridging loan to pay on time is almost always cheaper than the cost of paying late.
Protect Working Capital
Rather than draining your business reserves to pay a large tax bill, use a bridging loan to spread the impact. Keep your working capital for day-to-day operations.
Property-Backed Lending
Tax bridging loans are secured against residential, commercial, or mixed-use property. This can be a personal or business asset, giving you flexibility in how you secure the facility.
Flexible Exit Strategies
Repay from incoming revenue, a property sale, remortgage, or refinance. We work with lenders who understand business cash flow cycles and seasonal variations.
Confidential Service
Tax difficulties can feel sensitive. Every enquiry is handled with complete discretion. We focus on finding solutions, not making judgements about how the situation arose.
How it works
Contact Us
Tell us about your tax liability, the deadline, and the property available as security. We provide indicative terms within hours.
Lender Selection
We match your case to lenders from our panel of 130+ who specialise in tax-related bridging, securing the best rates and terms for your situation.
Fast-Track Processing
Valuation and legal work are prioritised to meet your HMRC deadline. We keep all parties moving to ensure nothing causes unnecessary delay.
Tax Bill Paid
Funds are released directly to HMRC or to you for onward payment. Your tax liability is settled, penalties are avoided, and you have time to plan your repayment.
Need to pay a tax bill quickly?
Speak to our specialist team today. We will assess your situation and provide indicative terms within hours so you can meet your HMRC deadline.
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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