Commercial finance for UK tax bills
The bill's due.
We help you meet it.
Specialist UK commercial finance for VAT, Corporation Tax, PAYE arrears, Time to Pay, and R&D advance. £10k to £1m. UK limited companies and LLPs only.
Pick your quarter
Next VAT deadline · Mar · Jun · Sep · Dec
7 November 2026
10+
Specialist panel
Indicative
Decision
£10k–£1m
Facility size
Director PG
Security
Tax Bill Loans is a trading name of Funding Flow, a commercial finance broker. We provide finance to UK limited companies and LLPs only. We do not arrange consumer credit and are not FCA-regulated.
QUICK AFFORDABILITY CHECK
See what it costs in seconds.
Monthly repayment
£9,067
Total cost: £4,400 · Total repayable: £54,400
Indicative · 1.3%/mo + 1% setup fee
HOW IT WORKS
Three steps. No drama.
1
Tell us what you need
Upload your bill, filed accounts, and last 3 months bank statements. Takes 10 minutes.
2
We place with the right lender
One application, 10+ specialist lenders. We come back with an indicative quote and route to the best fit.
3
HMRC paid directly
Funds paid straight to HMRC on due date. You start monthly repayments the following month.
WHAT WE FUND
Three deals, three different problems.
Composite examples drawn from our typical work. Real numbers, real timelines, identifying details changed. Names, sectors, and locations adjusted to protect client confidentiality.
VAT LOAN · 6 MONTH
£45,000
Manchester engineering business. VAT bill due in 11 days, cash tied up in WIP. Placed with a specialist lender on a 6-month repayment, paid HMRC on the deadline. Settled from quarterly cash, finished month 6.
CT FUNDING · 9 MONTH
£180,000
Birmingham consultancy. Came to us already on TTP. Refinanced through a single lender on a 9-month plan, took the file off the TTP register before the next year-end deadline. Cleaner record, better rates next time.
R&D ADVANCE · 4 MONTH
£85,000
London tech firm. R&D claim filed, payroll due before HMRC’s 40-day window. Advance against the claim got the wages out without raiding reserves. Repaid in full when HMRC paid the claim.
Composite examples. Real outcomes. Identifying details changed.
HOW WE WORK
One application. Ten lenders. Right fit.
No hard sell, no closing tactics. We work a panel of specialist HMRC-funding lenders so you do not have to make ten phone calls yourself.
1
Tell us what you owe
Bill, last filed accounts, three months of bank statements. Ten minutes online or one phone call.
2
We work the panel
We send your file to the right lenders for the size and shape of bill. Indicative quote within four hours.
3
You pick or you walk
No obligation. If the maths does not work, we will tell you to use HMRC TTP instead. We are a broker, not a lender.
READY WHEN YOU ARE
Still not sure if finance fits? Let’s talk it through.
10 minutes on the phone. We will tell you whether borrowing is the right call here, or whether HMRC Time to Pay is faster. Honest broker, no closing tactics.