Spread your tax bill over manageable monthly payments
A large VAT, Corporation Tax or Self Assessment bill doesn't have to land as one lump sum that drains your cash. Compare tax loan offers from a panel of funding partners with a soft search that leaves no mark on your credit score.
A bill with a date already on it.
Most funding decisions start with a choice. This one starts with a liability that already exists, for an amount that is already known, on a deadline that arrives whether the quarter was busy or quiet. Because the amount and the purpose are defined before you begin, these facilities are usually quick to size and structure.
VAT, quarter after quarter
A recurring liability lands on a rhythm you can see coming, which is exactly why a predictable quarterly bill reads very differently to a funding partner than an unexpected one.
Corporation Tax, once a year
A single large figure that can swallow a month of cash on its own, and one that often falls due at a point in the year that has nothing to do with how trade is going.
Self Assessment, on the same footing
The same shape of problem for owners paying personally: a substantial, dated amount that has to be found in one go unless you deliberately arrange otherwise.
The tax gets paid. Your cash stays in the business.
A funding partner advances the amount you need to clear the bill on time, and you repay that advance over an agreed term. The tax is paid when it falls due and the cost of it is spread across your cash flow instead of landing in one month.
The facility sits alongside your normal working capital rather than replacing it, which is the whole point: stock, payroll and day-to-day trade carry on while the bill is handled separately. You borrow a defined amount, for a defined purpose, over a defined term, which makes it simpler than open-ended borrowing.
The funding partner, not the marketplace, sets the rate and term and makes the final decision, and any offer is subject to their approval.
Compare tax loan offers against your own bill, and looking is a soft search that leaves no mark on your credit score.
Spreading a bill is not free.
The trade-off is straightforward: you pay a cost to spread the payment, and you weigh it against a single large outflow or against what late payment would cost you. Here is the whole of what shapes that number.
The amount follows the bill
Facilities are sized to the liability itself, from a few thousand for a smaller quarterly VAT payment up to several hundred thousand for a large Corporation Tax bill. What you can access is shaped by turnover, trading history and the size of what is due, and a funding partner will look to lend an amount you can service comfortably from ongoing trade.
The term is deliberately short
Many tax loans are repaid over a handful of months, often lined up with your next tax cycle, while larger amounts may stretch across most of a year. The intention is to clear the current bill comfortably before the next one arrives, not to carry the debt indefinitely.
You are paying to spread the payment
Pricing is usually expressed as interest or a fee on the amount borrowed for the term. Weigh that against a single large outflow, and against the interest and penalties HMRC applies to late payment, which is often where a tax loan earns its keep.
Usually unsecured, sometimes not
Most tax loans are arranged as unsecured facilities rather than tied to a specific asset, though some larger amounts may be offered on a secured basis. Where a facility is secured, that asset could be at risk if repayments are not maintained, so be clear on the structure before you proceed.
The numbers are the lender’s to set
Every rate, fee and term sits with the individual funding partner and is subject to approval, so the only way to see your real figures is to compare actual offers rather than headline examples.
Timing problem, or a deeper one?
Tax loans suit otherwise healthy businesses facing a lumpy, predictable liability that would be awkward to clear in one go, and businesses whose trade is seasonal enough that a bill lands in a quiet month. They are a poorer fit when the real issue is deeper cash-flow trouble. Being honest with yourself about which situation you are in is the key judgement, and it is one only you can make.
The real problem is the cash cycle, not the bill
If money is tight every month rather than in the month tax falls due, borrowing to pay tax you cannot otherwise afford can compound the pressure. Fund the cycle instead. Compare working capital.
The bill only bites because customers pay late
When the money is earned and simply sitting on someone else’s payment run, releasing it from the ledger deals with the cause rather than the symptom. Compare invoice finance.
You want one lump sum for a broader one-off
If the tax bill is part of a wider, bounded cost you can point at, a short-term loan covers the whole of it over months rather than years. Compare short-term business loans.
You could clear it from reserves without straining
Then that is usually cheaper. Spreading has a cost, and it only earns its place when keeping the cash in the business is worth more than the fee to do so. See every funding type Capvant covers.
Pick the range that matches your bill and see what spreading it would actually look like.
- Time trading and overall business age
- Recent turnover and cash flow health
- The size and type of the tax bill
- Whether the liability is one-off or recurring
- The overall credit profile of the business
A bill you can service from normal trade.
A funding partner assesses this much as it would any short-term facility: whether the business can repay comfortably from ongoing trade over the term. Recent bank statements usually do a lot of the talking, and they will want to understand the bill itself, since a predictable quarterly VAT liability reads very differently to an unexpected one.
Comparing indicative offers can take minutes once you have shared basic details about the business and the bill, and that stage is a soft search with no impact on your score. Moving to a formal offer then depends on the funding partner’s own checks and how quickly you can supply documents such as recent bank statements or accounts.
Speed varies by funding partner and is never guaranteed. Having your figures ready is the single biggest thing you can do to keep it moving. The full path is set out on how Capvant works.
Frequently asked questions
What is vat & tax loans?
Spread a large VAT, Corporation Tax or Self Assessment bill over manageable monthly payments and keep your working capital where it belongs. Through Capvant you compare vat & tax loans offers from multiple funding partners in one place, then choose what works for your business.
How much can I borrow?
Amounts depend on your trading history, turnover and the offers our partners make. Many businesses access £5,000 to £500,000 and beyond.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.
The date does not move. Your cash can.
One request brings back competing vat & tax loans offers sized to your bill, and looking leaves your credit score exactly where it is.
No obligation. Checking your offers won’t affect your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
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Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
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