Spread the bill — protect your cash and your HMRC standing.
Quarterly VAT, annual corporation tax, or a one-off self-assessment liability — spreading the cost over 3 – 12 months protects working capital and avoids late-payment penalties.
Common scenarios
- Quarterly VAT bill that's larger than expected
- Annual corporation tax due alongside other commitments
- PAYE / NIC liability that you'd rather spread
- HMRC time-to-pay arrangement you want to refinance
How it works
- Confirm the bill amount and due date
- Receive an indicative offer within hours, usually same-day
- Sign electronically
- Funds paid directly to your account
At a glance
- Typical amount: £5,000 – £500,000
- Typical term: 3 – 12 months
- Speed: Same-day to 48-hour decisions; funds paid to HMRC directly if preferred
Recommended products
- Business Loans
Frequently asked questions
Is HMRC happy with this approach?
Paying HMRC in full and on time via third-party finance is a common and accepted approach, and can help avoid late-payment penalties.
How quickly can funds reach HMRC?
Same-day BACS or Faster Payment in most cases. We can also pay direct to HMRC with the correct reference.
What if I have an existing time-to-pay plan?
We can often refinance a TTP into a single fixed-term loan, which removes interest accrual and clears the arrangement with HMRC.