Tell us what you need
A few short questions about the funding and your business. About two minutes, with no credit search.
HMRC loans HMRC loans.
HMRC loans.
Spread a tax bill.
Funding to pay VAT, corporation tax or a self assessment bill on time, or to clear overdue tax, then repay in monthly instalments.
Whole of marketNo credit search to start
See my HMRC loans matches ↗ At a glance
HMRC loans on our panel
- Amounts on the panel
- £3,000 to £1m From the lenders on our panel, leaving out the smallest and largest tenth of products.
- Common terms
- Up to 12 months Some lenders offer longer terms.
- Covers
- VAT, corporation tax, self assessment And overdue tax with some lenders.
Indicative only. Your terms depend on your business and each lender's criteria.
What it is
HMRC loans, explained.
An HMRC loan, often called VAT or tax funding, pays your tax bill on time and lets you repay the lender over a set number of months. It keeps cash in the business for trading rather than tied up in one large payment.
If you already owe HMRC, some lenders on our panel will lend to clear the arrears, which can be an alternative to a Time to Pay arrangement.
Who it suits
- Companies with a VAT quarter or corporation tax bill due
- Sole traders and partners with a self assessment bill
- Businesses with tax arrears or on a Time to Pay plan
- Seasonal businesses with a tax bill due in a quieter month
How it works
From question to options.
We arrange an HMRC loan by sourcing lenders from across the whole of the market. You stay in control of every decision.
See your options
We match your answers against lenders on our panel and show indicative terms for your business.
A broker takes it forward
A broker goes through your options, gathers the tax bill and what the lender needs, and takes your application to the lender you choose, ideally well before the bill is due.
Good to know
HMRC loans, answered.
What tax can be funded?
VAT, corporation tax and self assessment, plus overdue tax or arrears under a Time to Pay arrangement, depending on the lender.
How long can I spread the payments?
Most tax funding on our panel runs for up to 12 months. Some lenders offer short terms that line up with your next VAT quarter, and some unsecured lenders go longer.
Can I get funding if I already owe HMRC?
Often, yes. Some lenders on our panel lend to businesses with HMRC arrears, and the funding can clear what is owed.
Will checking my options affect my credit score?
No. Seeing your options does not involve a credit search. A lender only runs its own checks, with your permission, if you decide to apply.
Is Kyma the lender?
No. Kyma Business Finance is a credit broker, not a lender. We source options from lenders across the whole of the market and take your application to the lender you choose.
Tell us what you need.
See your terms in 2 minutes.
Indicative HMRC loans terms from lenders across the whole of the market.
See my HMRC loans matches ↗No credit search to startWhole of market
