What if HMRC has already refused a time to pay arrangement?

That's exactly when commercial time to pay loans are most useful. HMRC's refusal doesn't affect a commercial lender's decision. They'll assess your business on its own merits using bank statements, accounts and trading history.

What if I have an existing payment plan with HMRC?

You have two options. We can either provide funding to clear the existing plan in full and replace it with a single facility, or work alongside it if the plan is manageable. We'll talk through both before you commit.

Does it affect my credit score?

We use specialist lenders who consider applications based on your business performance. Each lender has their own approach to credit checks, which we'll explain when you apply.

What's the minimum bill amount?

We can arrange time to pay loans from £10,000. There's no upper limit. We've helped businesses settle tax bills running into millions.

How quickly can the bill get paid?

Most decisions come back in 24 to 48 hours. Funds usually reach HMRC within 5 working days of you signing the agreement, sometimes sooner.

How much does it cost?

Costs depend on the loan amount, the term, and your business profile. We'll always show you the total cost of borrowing upfront before you commit. There's no broker fee for this product.

Do I need to provide accounts?

For smaller facilities we may only need bank statements and your latest tax return. For larger facilities, filed accounts or management accounts will usually be required.

Can I pay it off early?

Most time to pay loans allow early repayment. Some lenders offer reduced settlement figures if you pay early. We'll confirm the early repayment terms before you proceed.

What if HMRC has already refused a time to pay arrangement?

That's exactly when commercial time to pay loans are most useful. HMRC's refusal doesn't affect a commercial lender's decision. They'll assess your business on its own merits using bank statements, accounts and trading history.

What if I have an existing payment plan with HMRC?

You have two options. We can either provide funding to clear the existing plan in full and replace it with a single facility, or work alongside it if the plan is manageable. We'll talk through both before you commit.

Does it affect my credit score?

We use specialist lenders who consider applications based on your business performance. Each lender has their own approach to credit checks, which we'll explain when you apply.

What's the minimum bill amount?

We can arrange time to pay loans from £10,000. There's no upper limit. We've helped businesses settle tax bills running into millions.

How quickly can the bill get paid?

Most decisions come back in 24 to 48 hours. Funds usually reach HMRC within 5 working days of you signing the agreement, sometimes sooner.

How much does it cost?

Costs depend on the loan amount, the term, and your business profile. We'll always show you the total cost of borrowing upfront before you commit. There's no broker fee for this product.

Do I need to provide accounts?

For smaller facilities we may only need bank statements and your latest tax return. For larger facilities, filed accounts or management accounts will usually be required.

Can I pay it off early?

Most time to pay loans allow early repayment. Some lenders offer reduced settlement figures if you pay early. We'll confirm the early repayment terms before you proceed.

Tax & HMRC

HMRC time to pay loans

HMRC time to pay loans settle your bill in one payment and replace it with a repayment schedule that fits your business cash flow.

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Why use a time to pay loan?

HMRC's own time to pay arrangement isn't always available, and when it is, the terms can be tight. A time to pay loan from a commercial lender clears the bill immediately and gives you a structured repayment plan that protects your cash flow.

Settle the bill in full

Pay HMRC in one go and stop interest, surcharges and enforcement action accruing on the original debt.

Avoid HMRC rejection

If HMRC has refused or withdrawn a time to pay arrangement, a commercial lender can step in where they won't.

Choose your term

Spread repayments over 3 to 24 months depending on the lender. Pick what works for your cash flow, not theirs.

Protect your credit

Unpaid HMRC debt can lead to county court judgments and visits from enforcement officers. Settle now and keep your record clean.

Keep the bank facility free

Use a separate facility for HMRC and keep your overdraft and working capital lines available for the business.

Quick decisions

Most decisions in 24 to 48 hours. Funds typically with HMRC within 5 working days.

Who time to pay loans are for

This product suits established UK businesses facing a tax bill they can't settle in one lump sum but who want to clear it quickly without a long, drawn-out arrangement with HMRC.

Businesses HMRC has refused

If your time to pay request has been rejected or you've been told the terms are non-negotiable.

Businesses with seasonal cash flow

Hospitality, retail, construction and any business where revenue doesn't land evenly through the year.

Businesses protecting key relationships

Where leaving HMRC unpaid risks losing a tender, a contract or a banking facility.

Businesses that want certainty

A fixed schedule with one lender beats an open-ended dispute with HMRC.

How HMRC time to pay loans work

Tell us what you owe

Share the bill amount, the tax type, and any deadline. Takes 60 seconds.

We match you to lenders

We approach lenders on our panel who specialise in tax bill funding. You get options, not a single take-it-or-leave-it offer.

You choose the terms

Pick the offer that suits you. We show you the total cost upfront before you commit.

We settle HMRC directly

Funds usually go straight to HMRC. You repay the lender on the agreed schedule.

Eligibility at a glance

You'll need

UK limited company, LLP, or sole trader with at least 12 months trading
A current or recent HMRC tax liability (VAT, corporation tax, PAYE, NIC, self assessment)
Business bank statements covering the last 3 to 6 months
Latest filed accounts, or management accounts for larger facilities

We can usually help even if

HMRC has already issued a demand letter
A previous time to pay arrangement has been refused or withdrawn
The director has minor adverse credit history
The business is loss-making in the current year

Key benefits

No HMRC negotiation needed

Skip the back and forth. We get the bill cleared so you can focus on running the business.

Total cost shown upfront

Before you sign anything, you'll see the full cost of borrowing. No surprises.

No personal guarantees on most facilities

Many of our lenders offer unsecured time to pay loans up to a threshold without requiring a director's personal guarantee.

What you'll need to apply

The HMRC bill amount and tax type
Your company name and registration number (or UTR for sole traders)
Business bank statements for the last 3 to 6 months
Your most recent filed accounts or management accounts
A decision on the term length you'd prefer (we can advise)

We'll never ask you for HMRC login details or anything that puts your account at risk.

Useful resources

Related at Funding Flow: VAT loans, corporation tax loans, tax bill loan calculator.

Official references: gov.uk if you cannot pay your tax bill, gov.uk Self Assessment Time to Pay.

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.

Bill amount

£10,000 to £1,000,000 (£500,000 cap for PAYE / Self Assessment)

Term

Select an estimated rate

Illustrative only, not a quote.

Lender arrangement fee (%)

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

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