Corporation Tax Finance | £50k–£500k
Loans to pay Corporation Tax — Borrow £50k to £500k
Your corporation tax bill shouldn’t force you to choose between HMRC and reinvesting in your business. Borrow £50,000–£500,000 to pay it in full, then repay in fixed monthly instalments in 6-60 months that fit your business, not your accounting year end.
- 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 corporation tax?
A Corporation Tax Loan is unsecured business funding used to pay HMRC in full and on time, which you then repay to us in fixed monthly instalments. It’s separate from any arrangement you might make directly with HMRC — the funds land in your account, you pay your bill yourself, and you avoid the interest and potential penalties that come with paying late.
Businesses typically use corporation tax loans to cover:
A standard annual corporation tax bill
Pay in full nine months and one day after your accounting period ends, without dipping into working capital
Tax due after a strong trading year
Settle a bill driven by profit that's already been reinvested in the business
PAYE and National Insurance
Keep payroll tax payments current, even during a cash flow squeeze.
VAT tax returns
Settle your VAT tax bill, even if customer payments haven't landed yet
WHAT'S INCLUDED
£50,000 – £500,000
Loan Amount to Cover Your Tax Bill
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
Eligibility
Am I eligible for a corporation tax loan?
We welcome applications from limited companies of all sizes, including those with an existing HMRC Time to Pay arrangement or an imperfect credit history.
Based in the UK
Registered with Companies House and liable for UK corporation tax
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
No administration, liquidation, or unpaid CCJs
Director, owner, or partner
Legal authority to take on debt for the business
£50,000+ annual turnover
Enough revenue to service the loan comfortably
3–6 months of bank statements
Make sure your company is in a position to repay any debts or credit
What we offer
What do you get with an Acceptance corporation tax loan?
Here are some of the key features of a loan for corporation tax:
Borrow £50k – £500k
Match the loan to your tax bill exactly
6 to 60 month terms
Pick a term that matches your cash flow, not your accounting year end
Fixed monthly repayments
Know exactly what you owe each month
No security required
Your business assets stay yours, free and clear
Repay early, fee-free
Clear the loan ahead of schedule at no cost
Human decisions
A real person reviews every application — not just an algorithm
Costs
How much will a corporation tax 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.
Is this cheaper than HMRC’s late payment interest?
Often, yes. HMRC charges interest on unpaid corporation tax from the day after your deadline, which accrues for as long as the balance remains outstanding. A fixed-rate loan lets you settle the bill immediately and budget for one predictable monthly cost.
The process
How do I apply for a corporation tax loan?
Fast enough to move against an HMRC deadline, not around it.
Apply in minutes
Tell us your corporation tax bill amount and when it's due.
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 your bill before the deadline.
CALCULATOR SECTION
What will my corporation tax 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
- Cover a single bill or spread across a longer term
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 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
- Total cost is higher than paying HMRC directly and on time
Put it to work
What else can you do with corporation tax loan funding?
A loan to cover corporation tax doesn’t have to stop there. Here’s what our customers also use this funding for.
- Settle a corporation tax bill in full before the deadline
- Cover VAT or PAYE alongside corporation tax
- Reinvest retained profit into growth rather than holding it back for tax
- Hire staff or cover payroll during a lean period
- Buy stock or equipment ahead of a busy period
- Consolidate other short-term borrowing
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.