Who this is for
Barristers and solicitors, especially partners in chambers or LLPs
Accountants, architects, and other professional practice partners
Doctors and dentists in private practice
High earners and company directors with significant untaxed income
Property investors with large rental income
Anyone facing a substantial self assessment bill who would rather preserve capital
Why your January bill is larger than you expected
The self assessment payment due on 31 January is often larger than people expect. HMRC requires you to pay your balancing payment for the previous tax year plus a 'payment on account', an advance payment of 50% of your estimated current year liability.
On a £150,000 profit, your January bill could be £50,000 or more in a single payment.
Spreading this across monthly instalments is a sensible approach that preserves your capital for investments, practice expenses, or simply peace of mind.
A considered approach to tax planning
Preserve your savings and investments
Keep your capital working for you. There's no need to liquidate investments or draw down savings to meet a tax deadline.
Fully confidential
Handled with complete professional discretion. A routine financial planning tool used by professionals across the UK.
Terms up to 12 months
Spread the cost across monthly payments that fit your cash flow. Terms from 3 to 12 months available.
No property security required
This is unsecured finance. No charge over your home or any other asset.
From £10,000 upwards
For personal tax bills of any size. We regularly arrange finance for substantial six-figure liabilities.
July payment on account too
Finance is available for both the January and July self assessment payments. Plan your entire tax year.
What you'll need
Tax Computation
Your self assessment calculation or HMRC statement showing the amount due
Proof of Income
Recent accounts, payslips, or evidence of professional income
Personal Details
Standard identification and address information
Bill Amount
The exact amount due and whether it includes a payment on account
Related finance options
Useful resources
Related at Funding Flow: HMRC Time to Pay loans, VAT loans, tax bill loan calculator.
Official references: gov.uk Self Assessment deadlines, gov.uk if you cannot pay your tax bill.
Estimate your monthly cost
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VAT / HMRC loan calculator
Estimate your monthly repayments on a tax finance loan. Guide tool only.
£10,000 to £500,000
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
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