Business or Tax Finance

Name: Credco
Address: Suite 13, Regus, Admirals Park, Victory Way, Dartford, Dartford, Kent, DA2 6QD, GB
Telephone: 0204 628 0990

Funding to manage pressure or unlock growth.

Loans from £25,000 to £5 million

Decisions in as little as 24 hours

Terms from 1 to 36 months

or call 0204 628 0990

THE APPROACH

Talk to us before the deadline, not after.

HMRC deadlines do not flex. With Making Tax Digital now active for income tax, the cashflow planning calendar has become even more streamlined. What used to be a quick chat the week before the tax deadline should now be a proactive conversation happening the quarter before. This way, there are no surprises at year-end, helping you stay well-prepared and stress-free.

We arrange short-term funding for VAT, corporation tax, PAYE, and HMRC bridging, along with business loans to support your working capital, growth, and acquisitions. Often, these are structured against your existing assets, which helps keep the cost of bridging the gap much lower than the penalties and interest you might face if deadlines are missed. We're here to help you navigate these financial needs smoothly and confidently.

The principle is straightforward: plan your funding in advance rather than waiting until the last minute. Spending three weeks planning is far better than facing three months of penalties, and having a calm conversation with your lender is always easier than rushing into a panic with HMRC. We're here to help you work out which route suits your business and structure it cleanly.

SEND US AN ENQUIRY

We will come back quickly, usually the same day. If you would prefer to speak to us now, please call 0204 628 0990.

WHAT SETS US APART

Four things that change the outcome.

The differences that decide whether a case completes or quietly stalls in committee.

01Fast decisions24-hour indicative decisions on most cases. Funds to HMRC within one to two weeks where needed.

02HMRC bridging specialistsVAT, corporation tax, PAYE, capital gains. Secured against existing assets, repaid through normal cashflow.

03Growth and acquisition fundingBeyond tax. Working capital, expansion, supplier or creditor payments.

04Clear cost comparisonsWe compare the cost of bridging against the cost of penalties and interest before you commit. The numbers usually tell their own story.

WHAT WE HELP WITH

Cases we look at every week.

01VAT bills

02Corporation tax

03PAYE and other HMRC liabilities

04Working capital and cashflow

05Business growth, expansion or acquisitions

06Restructuring

07Urgent supplier or creditor payments

TAKE THE NEXT STEPGet expert guidance on business and tax finance.

WHY CREDCO

“The conversation that used to happen the week before the tax deadline is now the conversation that needs to happen the quarter before. With MTD live, HMRC sees the position in near-real-time. The cashflow planning calendar has changed, and the cost of being caught out has too.”

Kam, Lending Manager, Credco

MEET THE TEAM →

FREQUENT QUESTIONS

The questions we get asked most.

If yours is not here, ask us directly. We will give you a straight answer, including when the answer is no.

Can I get a loan to pay an HMRC bill?Yes. Short-term funding secured against existing assets, typically property, can be used to clear VAT, corporation tax, PAYE and other HMRC liabilities. On larger bills, it usually works out cheaper than the penalties and interest of missing the deadline.

How quickly can funds reach HMRC?Usually within one to two weeks for well-prepared cases. Faster if the supporting documentation is ready and the asset is straightforward.

What does it cost compared to missing the deadline?On a typical six-month £100,000 VAT bill, HMRC penalties and interest can run to around £15,000. Bridging the same amount over the same period usually costs £8,000 to £12,000. The maths is the maths.

Can I borrow for general business growth, not just tax?Yes. We arrange working capital, acquisition funding and restructuring. The same lender-side discipline applies: clear case, credible exit, structured before going to market.

Will MTD changes affect my cashflow planning?For sole traders and landlords with receipts above £50,000 a year, yes. Quarterly digital updates to HMRC mean liabilities surface earlier and more visibly than they used to. Plan the funding around that rather than around the old year-end cycle.

A SELECTION OF THE LENDERS WE WORK WITH

Ready to take the next step?

Tell us what the pressure point is. We will work out a route that costs less than missing it.