Funding Unlocked Ltd, registered at 16a Revenge Road, Chatham, England, ME5 8UD. Company Register number is 15904390. ICO registration ZB753745 and you can check via www.ico.org.uk.

Funding Unlocked is not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. We work with an unrestricted number of Lenders to find a potentially suitable arrangement for your consideration.

We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: fixed fee, fixed rate of commission, percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business) Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

Get the Full Guide: How to Pay HMRC Without Draining Your Business Cashflow

If you’re facing an HMRC bill, the biggest mistake is making a decision under pressure.

Most businesses don’t lack options, they lack clarity on which option is right for them.

This guide gives you a clear, practical understanding of:

• How HMRC funding works
• The different types of finance available
• When it makes sense (and when it doesn’t)
• What to consider before applying

So you can make the right decision, not just the quickest one.

Struggling to Pay HMRC On Time?

Access funding to cover your tax bill without draining your business cashflow. Unsecured options available.
Fast decisions. Designed for businesses facing VAT, Corporation Tax, or PAYE pressure.

HMRC Deadlines Don’t Wait

VAT, Corporation Tax, and PAYE liabilities arrive on fixed deadlines, regardless of your cashflow.

For many businesses, the issue isn’t profitability. It’s timing.

You may have strong revenue, a healthy pipeline, and money due in, but if cash is tied up in invoices, stock, or operations, a tax bill can create immediate pressure.

Common situations we see:

• Waiting on large client payments
• Recently invested in growth
• Cash tied up in stock or expansion
• Seasonal dips in income

When this happens, businesses are often forced into difficult decisions, none of them ideal.

Don’t Let an HMRC Bill Disrupt Your Business

Understand your options early and take control of your cashflow.

Why Work With Funding Unlocked?

Funding Unlocked was built to make business finance simpler, faster, and more accessible - without the usual complexity.

We work with an unrestricted panel of UK lenders, giving you access to a wide range of funding options, rather than being limited to a single provider.

Our approach is designed around flexibility and speed, with funding often available in as little as 2-4 days, and solutions tailored to your specific situation.

You also benefit from:

• No upfront fees and a straightforward process
• Dedicated support, so you’re not navigating it alone
• Access to funding from £1,000 up to £20M, depending on your needs

The focus is simple, helping you find the right funding quickly, without jargon, delays, or unnecessary friction.

What Happens If You Delay Payment?

Delaying an HMRC payment doesn’t solve the problem, it increases it.

• Penalties are applied for late payment
• Interest accrues daily
• HMRC contact escalates
• Pressure builds quickly

Beyond the financial cost, it becomes a distraction.

A Smarter Way to Manage HMRC Payments

Instead of paying a large tax bill in one lump sum, funding allows you to spread the cost over time.

This means you can:

• Pay HMRC on time
• Avoid penalties and interest
• Keep cash in your business
• Maintain operational stability

Funding can often be arranged quickly and without the need for security.

Key Benefits

Short-term business funding can help cover HMRC liabilities, VAT, PAYE or corporation tax bills while protecting day-to-day cashflow.

Who This Is Suitable For

Typically suitable if:

• You have an upcoming HMRC bill
• Cashflow is temporarily tight
• Your business is generating revenue

Less suitable if:

• The business is not trading
• There is no ability to repay
• The issue is long-term financial difficulty