Loans for Tax Bills | Fund VAT, PAYE & Corporation Tax | Borrow £50k–£500k
Apply Today for a business loan to pay your tax bill with Acceptance.
Don’t let a tax bill dictate your cash flow. With Acceptance, you can borrow £50,000–£500,000 to cover VAT, corporation tax, PAYE/NI or self-assessment tax, and spread the cost over a term that suits your business.
- Soft credit check — no footprint
- No early repayment fees
- Funds in as little as 48 hours
- Human decisions, not just algorithms
What is a loan for tax bills?
A tax bill loan is business finance that lets you pay HMRC in full and on time, then repay the cost yourself in fixed monthly instalments.
Rather than a Time to Pay arrangement negotiated directly with HMRC, this is a business loan that you control – the money lands in your account, you settle the bill immediately, and you avoid interest, penalties, or enforcement action for late payment.
VAT bills
Settle a quarterly VAT return in full, even if a large invoice hasn't been paid yet.
Corporation tax
Cover your annual corporation tax bill without disrupting reinvestment plans.
PAYE and National Insurance
Keep payroll tax payments current, even during a cash flow squeeze.
Self-assessment tax
Fund a self-assessment bill for directors or partners, including payments on account.
WHAT'S INCLUDED
£50,000 – £500,000
Loan amount
6 – 60 months
Repayment term
No assets needed
Unsecured lending
Fixed monthly payments
No surprise charges
No early repayment fees
Repay whenever you're ready
Won’t affect your credit score
Costs
How much will a tax bill loan cost me?
Your rate is personalised and confirmed before you commit. Based on our representative APR of 18.9%, here are some illustrative examples:
| Loan amount | Acceptance | High street bank | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | £2,510 | £60,240 |
| £100,000 | 36 months | £3,640 | £131,040 |
| £200,000 | 48 months | £5,820 | £279,360 |
| £350,000 | 60 months | £9,030 | £541,800 |
| £500,000 | 60 months | £12,920 | £775,200 |
18.9%
What fees are there?
None hidden. Interest is built into your fixed monthly repayment — that’s the only cost.
Can I repay early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
What are the advantages of a tax bill loan?
Borrowing to cover a tax bill is one of the fastest ways to stay compliant with HMRC without disrupting your working capital. Here’s an honest comparison.
- Advantages
- Pay HMRC in full, on time, avoiding interest and penalties
- Preserve cash flow - no need to use your working capital
- Fixed repayments - easy to budget around
- Decision in 24 hours, often before your tax return deadline
- Repay early with zero penalties
- Not secured against business assets
- Disadvantages
- Rate depends on trading history and affordability
- Adds a fixed monthly commitment on top of your existing outgoings
- Requires 12+ months trading history
The process
How do I apply for a loan to pay my tax bill?
The process to apply for a loan to pay your tax bill is simple and fast, built with the deadlines HMRC sets in mind:
Apply in minutes
Use our quick online form. Tell us the tax bill you need to cover and how much you need.
Soft credit check
We check your eligibility without leaving a mark on your credit file.
We say yes
A real person reviews your application and comes back to you within 24 hours.
Money in your account
Sign your agreement and the funds are on their way, so you can pay HMRC before the deadline.
Work out your loan
What will my tax bill loan repayments be?
Get an instant estimate. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- No early repayment penalties
Your loan estimate
Illustrative only. No impact on your credit score.
Representative APR 18.9%. Subject to status and eligibility. For illustrative purposes only.
Your actual rate may differ. See full calculator
What we offer
What do I need to apply for a tax bill loan?
Some of the documentation that may be required when you apply includes:
Company registration number
To verify your business with Companies House.
The tax bill amount and due date
So we can size the loan and move fast against your deadline.
3–6 months of bank statements
To understand your trading performance.
Annual turnover
So our lenders can understand your ability to repay your tax bill loan.
Your contact details
Name, email and phone number.
We welcome applications from limited companies, sole traders, partnerships, and LLPs — including businesses with an imperfect credit history.
Features
What more should I know about tax bill loans?
What are the fees to apply?
With Acceptance loans for tax bills, there are no hidden fees. Interest is built into your fixed monthly repayment.
Are tax bill loans cheaper than HMRC late payment penalties?
Yes, HMRC charges interest on late tax plus penalties the longer a bill goes unpaid. A fixed-rate loan lets you clear the bill immediately.
Can I repay my loan early?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
What will my tax bill loan repayments be?
Get an instant estimate based on the amount you owe HMRC and your preferred term. No credit impact.
Eligibility
Am I eligible for a tax bill loan?
We lend across all sectors. Meet the basics below and there’s a strong chance we can help.
Based in the UK
Make sure you are registered with Companies House
Trading 12+ months
Most applications require at least 12 months of trading history, if you're newer, get in touch and we may still be able to help
Not currently insolvent
Make sure your company is in a position to repay any debts or credit
Put it to work
What else can you do with business loans from Acceptance?
A tax bill loan doesn’t have to cover tax alone. Here’s what our customers also use Acceptance funding for.
- Settle VAT, PAYE, or corporation tax in full
- Stabilise cash flow around payment deadlines
- Hire more staff
- Buy stock or inventory
- Upgrade equipment
- Consolidate other short-term debt
Common questions about tax bill financing
These are some of the common questions about loans for tax bills
Can I get a loan specifically to pay HMRC?
Yes. This unsecured business loan can be used to pay any tax bill, whether it be VAT, corporation tax, PAYE/NI, or self-assessment.
Is this the same as an HMRC Time to Pay arrangement?
No. Time to Pay is an arrangement made directly with HMRC. This is an independent business loan: you use it to pay your tax bill in full immediately, then repay Acceptance on fixed monthly terms.
What happens if I already have a Time to Pay arrangement with HMRC?
You may still be eligible. Tell us about your existing arrangement when you apply and we'll assess your options.
Will applying affect my credit score?
No. We run a soft credit check to assess eligibility, which leaves no mark on your credit file.
How quickly can I get funds to pay my tax bill?
Most applicants receive a decision within 24 hours, with funds released in as little as 48 hours.
Can I repay the loan early if my cash flow improves?
Yes, at any time with zero penalties. You only pay interest for the period you held the loan.
Explore more
Other ways Acceptance can fund your business
Business credit line
Flexible, revolving funding to smooth out cash flow between tax and payment deadlines.
Asset finance
Fund vehicles, machinery, equipment, and technology without paying the full cost upfront.