Tax Loans for Technology Companies

A tax loan does one thing: it pays HMRC your Corporation Tax on the due date (9 months and a day after your year-end) and you repay the lender in monthly instalments, typically over 3 to 12 months.\n\nFor a growing SaaS or tech company, the real question is whether that cash works harder inside the business than it does sitting with HMRC. If you have a £150k tax bill and a pipeline of hires or a product sprint that needs funding, deploying that £150k into the roadmap at the cost of an annualised tax loan is usually the cheaper option. The loan interest is tax-deductible too, which shaves the effective cost further.\n\nLenders assess your tax computation or your accountant's estimate alongside filed accounts and bank statements. Most facilities under £250k carry no property charge and no personal guarantee, and the decision does not go through a full credit committee. The lender who says yes to this is usually a premium finance or professional finance provider, not a high street bank. What they want to see is a profitable company with a credible tax liability, not a distressed one deferring a problem.\n\nAs a broker, CoreFi cannot promise you a rate; no one honestly can before a lender has looked at your numbers. The indicative range across tech businesses tends to sit between 5 and 10% annualised, and that cost is usually a fraction of what one delayed hire costs you over the same period.