Tax funding

Tax loans: spreading VAT and corporation tax over months

Tax loans are simple, purpose-built products: fund the tax bill, repay over 3-12 months. Cheaper than most working capital alternatives when the alternative is disrupting trading cash.

Audience: Trading businesses

Situation: A quarterly VAT bill or annual corporation tax payment lands and consumes working capital that the business needs for trading.

Primary: Business Loans

The situation

The recurring pattern: quarterly VAT payment lands, business scrapes through, sales opportunities missed because cash is committed. A tax loan spreads the pain over a defined term without touching main facilities.

How we approach it

We arrange tax loans quickly — usually same-week decision, funds sent directly to HMRC. Simple, non-invasive, no security typically required for standard sums.

What that looks like in practice

Fund VAT, corporation tax, PAYE, personal tax bills
Terms 3-12 months, sometimes longer
Usually unsecured for standard sums (£100k+ may need security)
Same-week decisions common
Funds paid direct to HMRC

Typical timeline

Day 1-2
Application, tax bill and accounts submitted.
Day 2-5
Decision, documentation.
Day 5-7
Funds to HMRC.

Common questions

Is a tax loan cheaper than HMRC time-to-pay?

Different tools. TTP is available but affects your standing with HMRC and takes time to negotiate. Tax loans are faster and don't affect HMRC relationship — cost is the trade-off.

Do I need security?

Usually not for standard sums with a reasonable trading business. Larger amounts (£100k+) sometimes secured against invoices or assets.

Can I repay early?

Yes, usually without penalty on standard tax loans. Interest saved on early repayment reflects unused term.