FINANCE OPTIONS
900k HMRC Loan - Apply Now for Fast Funding
A 900k HMRC loan means borrowing £900,000 from HM Revenue and Customs, usually to help with business cash flow. If you're thinking about this, it's a good idea to check your options and see how it could work for you.
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 900k HMRC Loan?
The £900,000 HMRC loan is a government-backed funding option designed to support businesses in need of financial assistance. This loan option offers favorable terms, allowing businesses to invest in growth initiatives or cover operational costs without the immediate strain of repayments, thereby facilitating long-term success and stability.
Tax relief benefits
Flexible repayment options
Supports business growth
SCALE YOUR BUSINESS TO NEW HEIGHTS
200+
Providers
Providers
What are the different types of 900k HMRC Loan?
Disguised Remuneration Loan
Loans paid by employers (often via schemes) instead of salary to avoid tax.
HMRC Loan Charge
A tax policy that targets unpaid taxes on disguised remuneration loans.
Settlement Agreement with HMRC
An arrangement to settle outstanding tax owed on historic loans with HMRC.
What is a 900k HMRC Loan?
Disguised Remuneration Loan Schemes
These are tax avoidance schemes where employees are paid most of their income as loans, rather than regular salary. The loans are usually never meant to be repaid, allowing participants to avoid Income Tax and National Insurance, even though they keep the money as if it were income. HMRC considers these schemes illegal and has never approved them.
The HMRC Loan Charge
The HMRC Loan Charge is a tax policy designed to address disguised remuneration schemes. Announced in 2016, it combines all outstanding loans from these schemes and taxes them as income in a single tax year. This can result in a large tax bill, as the entire amount becomes taxable at once if not settled before a specific deadline.
Penalties and Settlements with HMRC
People or companies involved in these loan schemes can face significant penalties. For example, if a company fails to disclose such tax avoidance schemes, it can be fined—such as the £900k penalty given to the promoter, IPS. Individuals and businesses can settle with HMRC to pay the owed taxes at original rates before the Loan Charge applies, otherwise they face higher, lump-sum charges and possible further action from HMRC.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
Who is most affected by the 900k HMRC Loan charge?
Does the 900k HMRC Loan charge apply to loans before 2010?
Can the 900k HMRC Loan charge liability be spread across years?
What HMRC payment plans are available for 900k Loan charge?
DIVE DEEPER
We Like To Keep Things Simple
Match with
150+
Lenders
Loans from
£1000
to
£1m
to
£1m
zero hidden fees
