Premium Credit specialist finance review
Premium Credit offers tax and VAT funding, a specialist facility that spreads business tax liabilities across a fixed term. This guide draws only on the provider's published product information, setting out what the facility covers, how it works and where the published detail stops.
By Funding Fred · Sources checked 19 September 2026
This is an information page. A Funding Fred enquiry for this product is not available here; check the provider’s official information for current options.
Potential fit
Who could consider Premium Credit?
- Businesses with a confirmed VAT, corporation tax or self-assessment liability due for payment, who want to spread the cost rather than settle it in one lump sum.
- Firms whose cash flow follows seasonal or quarterly patterns and prefer aligning tax payments with monthly outgoings, where this matches the provider's stated repayment structure.
- Businesses that already work with, or are willing to approach, a broker, the product is described as accessed through a broker-facing channel rather than a direct application route.
Worth weighing up
When to consider other options
- Funding needs that fall outside VAT, corporation tax or self-assessment liabilities, since this product's published scope is limited to those tax types.
- Requirements for a repayment term longer than the stated maximum of one year.
- Businesses without an existing broker relationship who would prefer a direct application process, given the broker-facing channel set out in the provider's own materials.
Understand the offer
Costs and repayments
Premium Credit's published information states that this facility spreads defined tax liabilities, VAT, corporation tax and self-assessment, over a term of up to one year. The stated aim is to let repayments track monthly expenditure rather than requiring a single settlement paid directly to HMRC.
No universal interest rate, fee schedule or representative cost example is set out in the published product information reviewed for this facility. Actual costs will depend on the specific liability being funded, the term selected and individual circumstances, so a written quote from Premium Credit or an intermediary broker is the only reliable way to confirm pricing before proceeding.
Because repayments are structured to align with monthly cash flow, businesses should expect the same practical consequences for missed or late payments as with any credit commitment. The published materials examined for this premium credit tax and VAT funding review do not set out a specific arrears or default policy for this product, so that detail would need confirming directly with the provider.
Eligibility and application
Premium Credit's tax and VAT funding page indicates the facility is intended for businesses with a due VAT, corporation tax or self-assessment liability, with repayments spread over as long as one year. No universal eligibility criteria, guarantee requirements or approval policy are published beyond that scope.
Access to this facility is described as running through a broker-facing route rather than a direct consumer or business portal. Businesses interested in the product would need to approach Premium Credit through an intermediary or confirm current application channels directly with the provider, since further detail on geographic availability is not set out in the material reviewed.
Advantages to weigh up
- Spreads a defined tax liability, VAT, corporation tax or self-assessment, over up to a year, avoiding a single lump-sum payment.
- Repayment structure is designed to align with monthly expenditure, which may help businesses managing cash flow around known tax deadlines.
- Targets a specific, common business cost rather than requiring tax to be folded into general working capital borrowing.
Limitations to understand
- No published interest rate, fee structure or cost example is available for this product, so total borrowing cost cannot be verified without an individual quote.
- No published eligibility criteria, credit requirements or guarantee terms are set out for this specific facility.
- The broker-facing access route means businesses without an existing intermediary relationship may face an extra step before applying.
Look at the wider picture
Comparing the alternatives
Tax and VAT funding is a narrow, purpose-specific facility. Comparing it against other options means checking that any written offer explicitly matches the tax liability being funded and clearly states the repayment term, rather than assuming it mirrors a general business loan structure. Product mechanics differ enough across specialist finance that headline descriptions alone should not be treated as a like-for-like comparison.
Businesses weighing this facility against other borrowing should read the full obligation set out in a written offer, including term length, repayment frequency and any conditions attached. For broader background on business borrowing structures, see funding guides and compare funding structures; those weighing security-backed alternatives may also find eligibility and terms guide useful. These are general educational pages and do not confirm that this specific facility is available through every route.
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Your Premium Credit questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Premium Credit — tax and VAT funding. Other products may have different terms.
Sources checked 19 September 2026. Your written offer determines your actual costs and conditions.
More funding guidesOfficial sources
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Use the official information to confirm product availability, eligibility and terms.
This page does not offer an application for this product through Funding Fred.