Business loan guide
Business loan after HMRC Time To Pay
An HMRC Time To Pay arrangement can be a sign of pressure, but lenders may still review the wider business position and whether the issue is under control.
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Why lenders care about HMRC arrangements
HMRC arrears or Time To Pay can suggest tax cash flow pressure. Lenders may want to know what caused it, whether payments are being maintained and whether new borrowing would solve the issue or add pressure.
A one-off cash flow event is usually easier to explain than repeated missed arrangements with no clear plan.
Details to prepare
Useful information includes the amount owed, tax type, agreed monthly payment, payment history, current arrears position, recent bank statements, management figures and the reason for new funding.
If the business is trading well but cash is tied up in invoices, stock or contracts, that context should be explained clearly.
Routes that may be reviewed
Depending on the business, options may include a business loan, invoice finance, asset finance or secured funding. Lender appetite will depend on affordability, conduct and the wider risk profile.
How Jolt makes the next step easier
You do not need to know the perfect lender at the first step. Jolt looks at the funding purpose, timing, documents and likely route, then helps shape the enquiry around lender appetite.
Start with the amount, what the money is for and how quickly it is needed. If the route is not obvious, the enquiry can still be reviewed without turning this page into another form.
Business loan after HMRC Time To Pay FAQs
Can I get funding while in a Time To Pay arrangement?
It may be possible, but lenders will usually review whether the arrangement is up to date and whether the business can afford new repayments.
Should I disclose HMRC arrears?
Yes. HMRC arrears should be explained early because they can affect lender assessment.
Can funding be used to clear HMRC arrears?
Some lenders may consider it, but they will want to understand why the arrears arose and how the business avoids the same issue returning.
What slows this type of application?
Unclear tax balances, missed Time To Pay payments, weak bank conduct or no explanation for the arrears can slow the review.