Tax Funding | HMRC & Corporation Tax Loans | £5,000 – £500,000+
HMRC deadlines are the only certainty in business, but a massive tax bill doesn't have to stall your momentum. Whether it's a large Corporation Tax payment, a spike in PAYE, or National Insurance contributions, tax funding allows you to turn a daunting lump-sum liability into manageable monthly instalments. We connect UK Limited Companies with over 100 specialist lenders to secure funding from £5,000 to £500,000+ with fast decisions and no upfront fees. Protect your working capital and keep your cash flow moving while staying fully compliant with HMRC.
As an FCA-authorised broker, we use Open Banking and soft credit searches to verify your eligibility in minutes — not days — without affecting your credit score.
How UK Businesses Use Tax Funding
Three of the most common tax liabilities our clients spread with specialist finance.
Spreading the Cost of Corporation Tax
Year-end tax bills are often the largest single outgoing for a profitable business. Spreading this over 6–12 months ensures you don't drain your cash reserves just as you're planning next year's growth. With Corporation Tax rates at 25% for businesses with profits over £250,000, the sums involved can be substantial — making a tax loan a genuinely strategic financial tool.
Managing Monthly PAYE & National Insurance Spikes
For businesses with large workforces or seasonal hiring, monthly payroll taxes can be volatile. This funding provides a buffer, ensuring you never miss a deadline and avoid HMRC late-payment penalties. This is particularly relevant for hospitality, retail, and construction businesses with fluctuating headcounts and CIS obligations.
Personal Tax Liabilities for Directors
Often, a director's personal Self Assessment tax bill is intrinsically linked to the company's performance — particularly for those taking dividends. We can help facilitate funding that settles these personal liabilities promptly, keeping both the individual and the business in the clear with HMRC. January and July payment deadlines are the most common triggers.
What You Need to Know Before Applying
The "HMRC vs. Lender" Rate Check
HMRC's own interest rates on late payments are currently at their highest in years. Before you ask for a 'Time to Pay' arrangement—which can stay on your record and affect your future credit—compare it to a specialist tax loan. Often, the interest on a private loan is lower than the penalties HMRC will charge, and it keeps your 'compliance record' perfectly clean.
Get Your "CT600" Ready
To get a tax loan approved in record time, have your CT600 (Corporation Tax Return) and your most recent full accounts ready to go. Lenders love tax cases because the 'purpose' of the loan is clear and responsible. Showing them the exact HMRC breakdown makes the underwriting process incredibly smooth, often leading to a 'Yes' in just a few hours.
The "Capital Preservation" Strategy
Never pay a tax bill with your 'emergency' fund. If an unexpected opportunity or a crisis hits next month, you can't ask HMRC for that tax money back. By using a tax loan to spread the cost, you keep your core cash reserves liquid for emergencies, which is the hallmark of a well-managed, resilient business.
Explore Related Funding Options
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
Quick Eligibility Check
UK Registered Company
Your business must be either a limited company, LLP, sole trader or partnership in the UK
Monthly Turnover £10k+
Minimum monthly turnover of £10,000 to qualify for funding
6+ Months Trading
At least 6 months of established trading history required
UK Resident Director
At least one director or shareholder must be a UK resident
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
The UK's Trusted Broker for Tax Funding
Hundreds of UK businesses have relied on us when they needed funding fast.
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Tax Funding Scenarios From the SME Finance Hub Desk
Three real ways UK businesses have used tax funding through us — from spreading planned bills to clearing arrears before HMRC enforcement action.
Corporation Tax bill, spread over 12 months
The business
A profitable engineering consultancy hit with a £64,000 Corporation Tax bill nine days before the deadline, with cash earmarked for a hire.
What they needed
£60,000 to settle the bill in full and avoid late-payment interest at 7.75%.
How we structured it
12-month unsecured business loan at a fixed monthly repayment. Personal guarantee from the sole director. Decision in 6 hours.
The outcome
HMRC paid on time, the new hire went ahead, and the cost of the loan was lower than the HMRC interest would have been over the same period.
PAYE arrears with a Time-to-Pay already in place
The business
A hospitality group three months into a 12-month HMRC Time-to-Pay arrangement, struggling with the monthly instalments alongside winter trading.
What they needed
£85,000 to clear the remaining arrears in one payment and reset cashflow.
How we structured it
Short-term loan over 18 months, structured around the seasonal trading pattern with slightly higher repayments in summer months.
The outcome
HMRC arrangement closed in full. The business avoided the next missed payment that would have triggered enforcement, and freed up Direct Debit headroom for VAT.
Personal Self-Assessment bill for a director
The business
A limited company director facing a £42,000 Self-Assessment bill on dividends drawn the prior year, with company cash already deployed.
What they needed
£42,000 personal funding, repaid from future dividends, without raiding the company current account.
How we structured it
Director loan facility over 24 months, underwritten on personal income and the trading company's health. No charge taken over the business.
The outcome
Tax bill paid by 31 January deadline. The company kept its full working capital position intact through the spring trading season.
In each case the loan replaced the immediate HMRC pressure with a predictable monthly repayment — and crucially, it preserved working capital for the trading side of the business.
Common Questions About Tax Funding
Ready to Settle Your Tax Bill?
Access 100+ lenders, no upfront fees, and same-day payouts available to settle HMRC deadlines instantly.