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Self assessment due? Don't let it drain your cash flow.
Self assessment tax is due every January, and for scaffolding contractors already managing wages, materials and project costs, paying HMRC in one lump sum can drain cash at exactly the wrong time.
A self assessment loan lets you pay HMRC on time and spread the cost into fixed monthly repayments instead. You stay compliant, your cash flow stays intact, and your business keeps moving.
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What is a self assessment loan?
Self assessment is the system HMRC uses to collect tax from the self-employed, sole traders and limited company directors. If you’re a scaffolding contractor operating outside of PAYE, you’ll likely file a self assessment tax return each year, and the bill that follows can be significant.
A self assessment loan is a short-term funding facility that covers your tax bill upfront. Instead of paying HMRC in one lump sum, you borrow the amount owed and repay it through fixed monthly instalments over an agreed term. The loan to pay your self assessment is typically available from £5,000 to £1m, with terms from 3 to 12 months.
It’s a straightforward way to stay on top of your tax obligations without disrupting the cash your business needs to operate.
Spread your self assessment bill in 4 simple steps
Tell us how much tax you need to cover
Share how much you owe HMRC and a few basic details about your business.
We search our panel of lenders
We identify lenders offering self assessment tax loans suited to your business and circumstances.
Review your options
You receive a clear quote showing the repayment term, monthly payments and total cost so you can make an informed decision.
Pay your HMRC self assessment bill
Once everything is agreed, funds are released so you can pay your self assessment and spread the cost over manageable monthly repayments.
Why choose Scaffold Finance for a self assessment loan?
January is the worst time to be short on cash. We specialise in helping scaffolding contractors and construction businesses spread the cost of their self assessment tax bill quickly and without fuss, with access to a wide panel of lenders who understand how your business operates.
Self Assessment Loan Calculator
If you’ve got a looming self assessment tax bill deadline, use this quick calculator to get a feel for monthly repayments.
Loan Amount
Repayment Term
You will pay £ per month, paying a total of £ over .
Looking to borrow over £250,000?
Contact us directly on 01494 321688 to discuss your options.
Please note, this calculator provides an estimated cost only. Actual rates and terms will depend on your circumstances and our assessment. This is not an offer or a final quote.
Frequently Asked Questions
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HMRC normally requires your self assessment tax bill to be paid in full by the deadline. However, many contractors use a self assessment loan to pay HMRC on time and spread the cost into fixed monthly repayments, rather than paying the full amount in one go.
Your self assessment bill can be paid directly to HMRC online, by bank transfer or by cheque. If paying the full amount would put pressure on your cash flow, a self assessment loan allows you to cover the bill in full and repay the cost over an agreed term.
For most self-employed contractors and limited company directors, the self assessment deadline is 31 January each year. If your bill is due and you would prefer not to pay it all at once, a loan to pay your self assessment can be arranged quickly to meet the deadline.
If your self assessment bill is not paid by the deadline, HMRC will charge interest and penalties on the outstanding amount. A self assessment tax loan allows you to pay HMRC on time and avoid unnecessary charges while spreading the cost into manageable monthly repayments.
Quotes are often available within 60 minutes, with funding decisions typically made within 24 hours. This means most contractors can secure a loan to pay self assessment before the HMRC deadline, even if they apply close to the due date.
Yes. Self assessment loans are available to sole traders, self-employed contractors and limited company directors in the scaffolding and construction industry. Funding is available from £5,000 to £1m depending on your tax liability and business circumstances.