Cash flow
Evens out cashflow by removing hefty quarterly and annual tax payments.
the low down
Is a HMRC Finance right for you?
A HMRC loan is an unsecured business loan designed specifically to pay your HMRC VAT, corporation tax or self-assessment liability. This allows you to distribute your firm’s bill evenly over the course of a year, with manageable monthly payments as opposed to chunky payments every quarter or annually. It is ideal for growing businesses that want to use the funds for something exciting, instead of losing a large sum of money to HMRC each quarter.
Arranging HMRC finance is fairly straightforward. It is often provided without any personal guarantees, and rates are also highly competitive.
At Sedulo Funding Solutions, we have access to the whole UK finance market and we make business finance easy.
Fancy booking a call (or meet-up) with our team of experts? We can get you a no-obligation quote.
PROFITS
If you can use the money for something more beneficial than the cost of the finance, you will make more profits by utilising this as opposed to paying HMRC.
SECURITY
There is no personal security required for this type of finance.
RECURRING
You can continue funding VAT every quarter in this way, meaning you can utilise this facility as a revolving credit facility.
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"We’re going through a growth phase and looking to diversify into new markets. A stumbling block for doing this is always finance. Sedulo makes raising finance easy."
Funding Stories
Toxic Fox | Clinton Njie - Online Retailer
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"We are on a huge growth trajectory. We grew 300% last year and are forecasting the same again, which will see us exceed £10m in revenue. Our exciting growth plans can only be achieved by finding appropriate finance. I’d recommend Sedulo to anyone wishing to take their business to the next level."
Funding Stories
Celsius Home Improvements | Frank Deary - Building Services
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"During an expensive month for the business and a slow summer, I needed some cashflow. Within four days of contacting Leyton, I had the money in my account! "
Funding Stories
Sally | The Mill at Sonning
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Our Answers To Your Questions
We’ve put together a list of common Business Loan FAQs. If there’s something you want to know and you can’t find the answer here, get in touch with our team of finance experts.
HMRC loans are ideal for growing businesses, especially those with exciting plans that they’d like to prioritise over paying a large bill. They’re also suitable for businesses that experience cash flow fluctuations or those that want to maintain a steady cash flow throughout the year.
Once approved, the loan amount is used to pay off your HMRC bill directly. You then repay the loan in manageable monthly instalments over an agreed period, usually up to 12 months. This helps you manage cash flow rather than having to save a lot of money, and then pay it out, to HMRC, leaving you with less of a cushion if an emergency were to arise.
In most cases, HMRC loans are unsecured, meaning you don’t need to provide collateral. Additionally, they are often provided without any personal guarantees, making them less risky for business owners.
An unsecured business loan is a good option if you need to access funding quickly and don’t want to risk collateral. However, the interest rates are typically higher because the lender is taking on a larger risk.
It’s important to carefully consider your financial situation, explore other funding options, and choose the type of finance that aligns best with your business goals and repayment capacity.
Repayment for eCommerce finance is tied directly to your sales. Instead of making fixed monthly payments, you repay the lender by allowing them to take an agreed-upon percentage of your future revenue. This means repayments are flexible and adjust to your business’s performance, making it easier to manage during periods of lower sales.
Yes, HMRC loans can be used to pay a variety of HMRC liabilities, including VAT, corporation tax, and self-assessment taxes.
Arranging an HMRC loan is typically straightforward and quick. Many lenders offer fast approval processes.
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A Team Of Finance Experts, On Your Side
Whether you’re looking to obtain funding to take on the next stage of business growth, or access working capital to cover costs, it’s important to have a team of experts on your side.
Our professional banking and finance teams can help arrange new finance for your business or refinance existing facilities for more competitive terms. We work with an
unrivalled number of lenders, which gives our clients confidence that they’re getting the best deal.
Our funding experts operate out of each city centre office in Manchester, Leeds, Liverpool and London. We’re available to meet face-to-face so that we can better understand your business and talk you through your funding options, or we can assist over the phone – whichever you’d prefer!
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Unlock the potential of your business with fast and flexible financing. Speak to our team of experts and find the best loan options tailored to your needs.