Loans to Pay HMRC | Cover Any Tax Bill | £50k–£500k
Loans to pay HMRC — whatever the bill, cover it on time – Get £50k-£500k
An HMRC deadline doesn’t wait for your cash flow to catch up. Borrow £50,000–£500,000 to pay any HMRC liability in full — VAT, corporation tax, PAYE, or self-assessment — then repay it in fixed monthly instalments that fit around your business.
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
- 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 to pay HMRC?
HMRC Loans are unsecured business funding used to settle any HMRC liability in full and on time, which you then repay to us in fixed monthly instalments. It’s entirely independent of any arrangement you might have directly with HMRC — the funds land in your account, you pay your bill yourself, and you avoid the interest and penalties that come with paying late.
- VAT — Settle a quarterly return in full, even if customer payments haven't landed yet.
- Corporation tax — Cover your annual bill without dipping into reinvested profit.
- PAYE and National Insurance — Keep payroll tax current during a cash flow squeeze.
- Self-assessment tax — Fund a personal tax bill for directors or partners, including payments on account.
- Multiple HMRC bills at once — Combine two or more liabilities landing close together into a single loan.
£500k
Best suited for
Businesses that need fast, flexible capital to pay HMRC without the complexity or risk of secured lending.
Representative APR 18.9%
Your actual rate depends on your business profile. We’ll show you your personalised rate before you commit.
How do I apply for a loan to pay HMRC?
1. Apply in minutes
Tell us which HMRC bill (or bills) you need to cover and how much.
2. Soft credit check
We check your eligibility without leaving a mark on your credit file.
3. We say yes
A real person reviews your application and comes back to you within 24 hours.
4. Money in your account
Sign your agreement and the funds are on their way — often the same day.
What are the advantages of a loan to pay HMRC?
Getting HMRC financing has many upsides, but it is important to be aware of some potential drawbacks.
- Advantages
- Pay any HMRC bill in full and on time, avoiding interest and penalties
- One loan can cover multiple HMRC deadlines landing close together
- Preserve working capital instead of raiding it for tax
- Fixed monthly repayments — easy to budget around
- Repay early with zero penalties
- Not secured against business assets
- Things to consider
- Total cost is higher than paying HMRC directly and on time
- Rate depends on trading history and affordability
- Requires 12+ months trading history
- Adds a fixed monthly commitment — worth reviewing your tax planning if HMRC bills are a recurring strain rather than a one-off
Costs
How much will a loan to pay HMRC 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 | Representative APR% | Total repayable |
|---|---|---|---|
| £50,000 | 24 months | 20% | £90,240 |
| £100,000 | 36 months | 15% | £131,040 |
| £150,000 | 36 months | 12.5% | £196,560 |
| £250,000 | 48 months | 10% | £349,440 |
| £500,000 | 60 months | 5% | £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.
Work out your loan
How much will my monthly repayments be?
Get an instant estimate based on the amount you owe HMRC and your preferred term. No credit impact.
- Finance £50,000 to £500,000
- Terms from 6 to 60 months
- Cover any HMRC bill, or several at once
- 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
Features
What do you get with an Acceptance HMRC loan?
We keep it simple. No mountains of paperwork — just the basics.
Borrow £50k – £500k
Match the loan to your bill, or bills, exactly.
6 to 60 month terms
Pick a term that matches your cash flow, not HMRC’s calendar.
Fixed monthly repayments
Know exactly what you owe each month. No surprises.
No security required
Your business assets stay yours, free and clear.
Repay early, fee-free
Pay off your loan early at any time — no penalties.
Human decisions
A real person reviews every application — not just an algorithm.
Put it to work
What else can I do with this funding?
Here are just a few examples of how you might want to use your new loan:
- Settle VAT, corporation tax, PAYE, or self-assessment in full
- Cover more than one HMRC deadline at once
- Stabilise cash flow around payment dates
- Hire staff or cover payroll during a lean period
- Buy stock or equipment ahead of a busy period
- Consolidate other short-term borrowing
Eligibility
What information do I need to apply for a loan for HMRC bills?
We’ve kept the application process as simple as possible. Most dentists can complete it in under 5 minutes. Here’s what you’ll need to have ready:
- Your company registration number — to verify your practice with Companies House
- 3–6 months of business bank statements — so we can understand your trading performance
- Estimated annual turnover — we need to see at least £50,000 per year
- How long you've been trading — at least 12 months is required for most applications
- Your contact details — name, email, phone, and your role in the business
How much can I borrow to pay HMRC?
The amount you can borrow will depend on the individual circumstances of your business and your financial position. When assessing HMRC finance options, lenders may consider the businesses’ turnover and profitability, existing borrowing and your experience.