Self Assessment Tax Loans for UK Individuals & Directors
Flexible HMRC tax funding to spread self assessment payments without disrupting cashflow.
What Are Self Assessment Tax Loans?
A Self Assessment Tax Loan is a short-term business-focused finance facility designed to cover Self Assessment tax liabilities, including payments on account. Instead of paying HMRC in one lump sum, the lender pays HMRC directly and you repay the loan over fixed monthly instalments, typically across 3–12 months.
These loans are commonly used by company directors, sole traders, partners, and business owners whose income is linked to trading performance, dividends, or seasonal revenue. Self assessment tax loans help maintain working capital while ensuring HMRC deadlines are met.
At MacManus Asset Finance, we are FCA-regulated and independent with over 25 years’ experience arranging HMRC tax funding for UK businesses and directors. We work with specialist lenders to secure fast approvals, transparent pricing, and repayment plans aligned to your income cycle.
How Self Assessment Tax Loans Work
Step By Step
1. Confirm your tax bill — Your accountant issues your Self Assessment statement or SA302 showing the liability.
2. Apply for a Self Assessment Tax Loan — MacManus Asset Finance prepares your application and collects key supporting documents.
3. Lender conducts a short assessment — They review income, credit profile, and affordability.
4. Lender pays HMRC directly — Ensures the tax is paid on time with no risk of penalties.
5. You repay the loan — Repay via fixed monthly instalments over 3–12 months.
Main Types of Self Assessment Tax Loans
Unsecured Business Loans
Ideal for profitable or established SMEs, based on trading performance and creditworthiness. No specific security required.
Secured Business Loans
Backed by property or assets. Typically offer lower rates and higher borrowing limits.
Working Capital Loans
Short- to medium-term funding used to stabilise cashflow during growth, seasonal fluctuations, or operational pressures.
Secured Tax Loan
Uses business or personal assets as security for higher-value tax liabilities.
Benefits of Self Assessment Tax Loans
Working with an expert broker provides clear advantages:
Preserve Personal & Business Cashflow
Instead of paying a large lump sum on 31 January or 31 July, you can spread repayments over several months.
Avoid HMRC Penalties & Interest
The lender pays HMRC directly, preventing late-payment charges or escalating enforcement action.
Flexible Repayment Terms (3–12 Months)
Choose a term that aligns with salary, dividends, drawings, or seasonal business income.
Fast Decisions & Funding
Many lenders approve applications within 24–48 hours once documentation is submitted.
Ideal for Directors & Business Owners
Directors often time dividend drawings around business performance; tax loans avoid disrupting this planning.
Avoid Liquidating Investments
No need to sell shares, dip into savings, or deplete business funds.
Why Use a Self Assessment Tax Loan Broker?
Working with MacManus Asset Finance gives SMEs:
- Compare specialist tax lenders to secure competitive terms
- Manage the application process from start to finish
- Ensure HMRC is paid accurately and on time
- Arrange 3–12 month repayment plans that match your income
- Provide rapid turnaround for urgent deadlines
- Support directors, partners, business owners, and contractors nationwide
Apply for Self Assessment
Fill out the form below or call us at 0330 027 0433 for more details and we'll get in touch to discuss your options.
Industries We Support
We arrange Self Assessment Tax Loans across sectors including:
- Company Directors
- Business Owners
- Partners in Professional Practices
- High-earning Employees
- Contractors & Consultants
- Landlords
- Self-employed individuals
Anyone facing a large personal tax bill can benefit from structured repayment.
Qualifications and Documents Needed
Lenders assess affordability and creditworthiness, not long-term business financials.
Lenders typically assess:
- Stable income from employment, dividends, drawings, or self-employment
- Reasonable credit profile
- Active UK tax registration
- Confirmation of tax liability
Documents required may include:
- SA302 or HMRC statement confirming Self Assessment amount
- Last 3–6 months of personal or business bank statements
- Proof of ID and address
- Basic income documentation (salary, dividends, or self-employment evidence)
- Company accounts if remuneration is company-linked
Why Choose MacManus Asset Finance?
- 25+ years’ experience in Self Assessment Tax Loans
- Award-winning broker – Business Moneyfacts Asset Finance Broker of the Year 2024, commended 2025.
- Independent and FCA-regulated – impartial advice you can trust.
- Access to specialist SME lenders
- Transparent comparisons and advice
- Dedicated support from application to completion
- Trusted by UK businesses nationwide
Frequently Asked Questions
Yes — lenders offer terms from 3 to 12 months.
Yes — payment is made directly to HMRC to guarantee compliance.
Most Self Assessment loans are unsecured.
Directors, partners, self-employed professionals, high earners, and contractors.
No — they are personal liabilities, not business borrowings.
Typically 24–48 hours with the correct documents.
Related Finance Options
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- Borrow from £10,000 up to £5 million+
- From 3.7% rate per annum
- Terms of 1 to 7 years.
Business Loans
Expand, hire more staff or increase cash flow.
- Up to £500,000 unsecured
- From 5% per annum
- 3 months to 5 years term
Invoice Finance
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- Up to 90% of invoice value
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- Rolling or fixed agreements
Car Finance
Drive now, pay monthly. Don’t pay it all at once.
- Up to £2.000,000+
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- 1 to 5 years term
Self Assessment Tax Loans for UK Businesses | Award-Winning Asset Finance Brokers
Discover tailored Self Assessment Tax Loans with MacManus Asset Finance. Independent, FCA-regulated asset finance brokers with 25+ years’ experience.
- OR CALL
- 0330 027 0433
Apply for Self Assessment
Fill out the form below or call us at 0330 027 0433 for more details and we’ll get in touch to discuss your options.
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