VAT & Tax Loans

Bridge the quarter, preserve the cash.

Short-dated facilities to fund VAT, PAYE and corporation tax. Smooth the lumpy HMRC quarter and keep working capital where it earns.

£5k – £500k
Funding range
3 – 12 mo
Repayment terms
File based
Review timing

Quick estimate

See an indicative repayment

Indicative monthly repayment

£4,500 to £5,625

Illustration only, based on a range of typical total costs. Actual pricing depends on trading history, sector, term, amount and credit profile, and differs between providers.

Step 1 of 3
Soft check
£5k – £5M
£250,000requested
Soft check·No credit impact·Privacy protected

A VAT quarter, a PAYE month or a corporation tax instalment can take a healthy operating account and leave it thin. Bridging the quarter at fair cost is often a more efficient use of capital than running close to the line.

Short-dated facilities may be sized against the HMRC liability and structured across the year. Availability, timing and terms depend on the business, verification and written offer.

Best suited for

  • Quarterly VAT obligations
  • Monthly PAYE and NIC
  • Corporation tax instalments
  • Time to Pay arrangement refinancing

How it works

01

Tell us the liability

Share the amount due, deadline and relevant business details for an initial review.

02

Structured offer

We size the facility to the bill and propose a term that clears comfortably.

03

Written terms

Review the cost, schedule and conditions before accepting and arranging payment to HMRC.

Eligibility at a glance

A short list of the information commonly considered. Eligibility and available terms depend on the individual business and facility.

  • UK-registered limited company or LLP
  • Trading for at least 6 months
  • Minimum £10,000 monthly turnover
  • A UK business bank account
  • Director ID and 3–6 months of bank statements
  • No active formal insolvency proceedings
How we handle your enquiry

Careful with your data, clear about your terms.

Commercial lending sits outside the FCA perimeter, so the protections of a regulated agreement do not apply. We set out how we work so you can judge it for yourself.

UK GDPR standards

Your data is used to assess your enquiry, never sold or passed on for third party marketing.

Encrypted in transit

Every page and every submission is served over TLS.

Open Banking, read only

Where used, access is read only through FCA authorised providers and can be revoked at any time.

Business borrowers only

Finance for UK registered businesses and business purposes, not consumer credit.

Searches explained

The initial form is an enquiry. If a credit search is needed later, its type and impact will be explained first.

Plain-English terms

Total repayable, term, fees and any security stated in writing before you sign.

Why a VAT or tax loan often makes sense

A VAT quarter, a monthly PAYE run or a corporation tax instalment is a lumpy outflow against a smooth revenue profile. Paying it out of operating cash is not free, it is a decision to hold less working capital for the next quarter.

A short-dated facility sized to the HMRC liability lets the business keep its operating buffer intact, spread the tax over the quarter the revenue was actually earned, and avoid the friction (and cost) of an HMRC Time to Pay arrangement.

VAT vs PAYE vs corporation tax, different rhythms

VAT is quarterly (or monthly for larger filers). PAYE and NIC are monthly. Corporation tax is annual for most, quarterly for larger companies. Each has a different payment deadline and different penalty regime, HMRC surcharges VAT default at 2% escalating to 15% under the current points-based regime.

Structuring the loan term to clear inside the same tax year keeps the facility clean on your P&L and avoids the compounding effect of stacking one quarter over another.

When Time to Pay is the better answer

For small liabilities (under £30,000) with a temporary blip, HMRC's online Time to Pay portal can be a cheaper option than any commercial loan. It is worth trying first for genuinely one-off shortfalls.

A commercial VAT loan wins when: the liability recurs (so a TTP would too), the amount is large enough to trigger surcharge risk, or the business wants to keep its HMRC record clean for future filings.

VAT / tax loan vs alternatives

OptionCost shapeHMRC recordBest for
VAT / tax loanFixed rate, 3–12 moNot disclosedRecurring or larger bills
HMRC Time to Pay3.5% + interestDisclosedOne-off, < £30k
Unsecured short-term loanFixed rate, 1–18 moNot disclosedMulti-purpose bridging
Business overdraftSVR variableNot disclosedVery short bridging

A representative example

VAT liability
£50,000
Term
6 months
Representative APR
13.9%
Monthly repayment
£8,673
Total repayable
£52,038
Total cost of credit
£2,038

Illustrative only. Rate depends on trading, sector and file strength.

Frequently asked

Can I fund a VAT or corporation tax bill?

Yes. Short-dated facilities to bridge VAT, PAYE and corporation tax quarters are a common use of our term and unsecured products.

How quickly can funds be available for HMRC?

Timing depends on the information supplied, verification, acceptance and any conditions in the written offer. The business remains responsible for paying HMRC by the deadline.

Will HMRC see this on my file?

No. The facility is a private commercial loan and does not appear on your HMRC record.

Is there an early settlement fee?

On most VAT and tax bridging facilities there is no penalty for settling early. You pay only interest accrued to the date of repayment.

Authoritative UK references

Independent sources cited on this page.

Ready to see what you qualify for?

It takes a few minutes and creates an initial enquiry, not a formal application.

Start eligibility check
Call the desk020 3051 9189Check eligibility