Finance for every tax type
Seven funding products, one application. Tell us what you owe and we'll match you to lenders who specialise in your tax type.
VAT loans
Spread your quarterly VAT bill across 3 to 12 months. From £10,000 with no upper limit.
Corporation tax loans
Settle corporation tax in one payment, repay over 3 to 24 months on terms that suit your year-end cash flow.
HMRC time to pay loans
Where HMRC has refused or the terms don't work, settle the bill in full and repay on your schedule.
PAYE finance
Fund monthly PAYE and NIC liabilities to protect cash flow and avoid late payment penalties.
Self assessment finance
Personal tax bills funded for company directors, sole traders and partnerships. Up to £250,000.
VAT reclaim loans
Don't wait 3 months for HMRC to refund your VAT. Get the cash now, repay when HMRC pays you.
Other HMRC products
R&D tax credit advance
Don't wait for HMRC to process your R&D claim. Advance up to 80% of your expected credit and use the cash now.
How tax and HMRC finance works
Tell us what you owe
Pick the tax type, share the amount, and any deadline. 60 seconds.
We match you to specialist lenders
Different tax bills need different lenders. We approach the right ones for your situation.
You choose the terms
Compare offers side by side. Total cost shown upfront before you commit.
We settle HMRC directly
Funds usually go straight to HMRC. You repay on the agreed schedule.
Why use a tax and HMRC finance broker
One application, multiple lenders
Skip applying to lenders one by one. We submit once and approach the lenders most likely to fund your tax type.
Specialist tax bill lenders
Most high-street banks won't fund tax bills. The lenders on our panel specialise in this exact use case.
No broker fee on most products
For most tax and HMRC products there's no broker fee. Where a fee applies, we tell you before any application.
Related finance options
Useful resources
Related at Funding Flow: HMRC Time to Pay loans, VAT loans, corporation tax loans, PAYE finance.
Official references: HM Revenue and Customs, gov.uk if you cannot pay your tax bill.
Estimate your monthly cost
Get an indicative quote in seconds. No sign-up required.
VAT / HMRC loan calculator
Estimate your monthly repayments on a tax finance loan. Guide tool only.
£10,000 to £1,000,000 (£500,000 cap for PAYE / Self Assessment)
Illustrative only, not a quote.
Calculations are illustrative only. Actual rates, terms and fees are deal-dependent and vary by lender, business profile, and security. Speak to your broker for a tailored quote.
Frequently asked questions
Not sure which product is right?
Ask Flo, our AI finance assistant can guide you through your options.