HMRC & Tax Loans

Settle your tax bills without disrupting cash flow.

If a VAT, Personal or Corporation Tax deadline is looming, a fast, flexible loan can help you pay HMRC on time, avoiding penalties, pressure, and reputational damage.

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Quick Snapshot

Borrowing range

£50,000 – £1,000,000+

Security

Usually PG only; debenture optional

Term

3 – 12 months

Typical rate

8% – 18%

Time to Funds

24–48 hours (with approval)

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What Are HMRC & Tax Loans?

These are short-term loans designed to cover key tax liabilities, including VAT, PAYE and Corporation Tax. Instead of draining working capital, you repay in fixed monthly instalments, giving your business breathing room.

The best lenders assess your cash flow and tailor terms to your affordability. Most facilities are unsecured, though a personal guarantee is often required.

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    Why Businesses Use RCFs

    Interest only on usage – minimal or no charges on idle capital
    Redraw without hassle – ideal for recurring needs
    Same-day access once the facility is live
    No fixed repayment plan so it flexes with your business
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    Is it right for me?

    Best when you:
    Have seasonal or uneven revenue
    Need working capital you can control
    Want to avoid multiple applications
    Think twice if:
    Need a single upfront sum (consider Fixed-Term Loans)
    Can’t confidently manage short-term repayments
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    Why Use a Tax Loan?

    Avoid late payment penalties from HMRC
    Ease short-term pressure with monthly repayments
    Access funds in as little as 24 hours
    Consolidate multiple liabilities into one loan
    Protect your credit file and reputation

    How It Works

    Share deal summary and accounts

    Complete a quick Funding Finder form or call straight through.

    Platform matches you to suitable lenders in minutes

    Our AI matching engine surfaces your best lending options and our experts guide you through.

    We structure, negotiate and finalise the terms

    We align the funding to your goals, with real-time tracking inside your Risecap portal until the funds land in your bank.

    Is it right for me?

    Best when you:
    Face a large tax bill and want to preserve cash flow
    Have reliable revenue and a clear use of funds
    Need funding fast; often within 1–2 working days
    Think twice if:
    Already owe multiple HMRC debts (Time to Pay may be better)
    Can’t demonstrate affordability or are in serious arrears
    2 men planning
    “Great support all through the process. I always felt like they were on our side trying to get the best solution for us. They took he hard work out of it for us and quickly found us a great solution.”
    — Helen, Managing Director

    Freqently asked questions

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    How do I fund a VAT or Corporation Tax bill quickly?

    Many loans are funded in 24–48 hours after full document submission.

    What docs do I need?

    Bank statements, latest filed accounts, and a short funding rationale.

    Is a personal guarantee required?

    Typically, yes, but no collateral is needed in most cases.

    Can I fund multiple tax bills at once?

    Yes, lenders can roll VAT, PAYE, and Corporation Tax into one facility.

    Ready to Pay HMRC Without Draining Cash Flow?

    Find funding