Time To Pay Arrangement with HMRC: What It Means and How We Help

Falling behind on VAT, PAYE or Corporation Tax can quickly feel overwhelming. HMRC is one of the most proactive creditors a business can face, and once you miss a payment, the clock starts ticking. But here’s the good news: if your business is struggling, there are ways forward. One of the most practical tools available is a Time To Pay Arrangement (TTP), and our team is here to help you make the most of it.

What Is a Time To Pay Arrangement?

Think of an HMRC Time To Pay Arrangement as a structured way to buy time. Rather than facing late payment penalties or legal pressure, your business can spread its tax debts across manageable monthly instalments — usually over 12 months, sometimes more.

These plans are not guaranteed and depend on your business’s circumstances. But with a clear repayment proposal, transparency and a solid track record, many companies do secure this breathing room.

Time To Pay Arrangements – VAT, PAYE (and NICs) and Corporation Tax

We can help you negotiate Time To Pay arrangements with HMRC to cover VAT, PAYE (including NICs) and Corporation Tax. By setting up affordable instalment plans, we take the pressure off immediate payments and give you and your business breathing space to stay on track.

A Time To Pay arrangement allows you to spread your tax liabilities into manageable instalments, helping to protect cash flow and reduce financial strain. It also enables you to avoid escalating penalties and enforcement action, while keeping your business focused on growth and not arrears.

With the right support, dealing with HMRC doesn’t need to be daunting. We’ll handle the process and help secure an agreement that works for you.

Why Timing and Strategy Matter

Making contact promptly can make all the difference: waiting too long increases the risk of penalties, or worse, and aggressive recovery action like winding-up petitions. When you’re facing HMRC pressure, a well-planned response is your strongest course of action.

This is where we deliver value. Our team doesn’t just help businesses tick boxes. We work creatively with business owners to craft realistic, persuasive proposals that HMRC can get behind. Whether your cash flow is temporarily squeezed or you're navigating long-term challenges, we look at the full picture and help formulate a plan that works.

When the Standard Route Isn’t Enough

Sometimes, a straightforward HMRC Time To Pay plan isn’t the right solution or isn’t accepted. That’s when you need more than a generic approach. We go further, helping businesses explore all of the available options:

• Restructuring your debts: to ease pressure now while protecting your future.

• Evaluating viability: to understand if the company can recover or if a new direction is needed.

• Negotiating with HMRC: balancing what your business can afford with what HMRC will accept.

Even if you’ve faced rejections or have a less-than-perfect track record, that doesn’t mean that you don’t have options. Our team thrives in these ‘grey areas’, where strategy, persistence and experience count.

What Happens if You Can’t Stick to a Time To Pay Arrangement?

Failing to keep up with an HMRC Time to Pay plan can result in the entire agreement being scrapped, often without notice. That’s why it’s crucial to be honest and conservative when proposing repayments. We work closely with business owners to set realistic figures that won’t cause future stress.

If your situation changes — positively or negatively — we can help you revisit and renegotiate the terms, keeping you in control.

You Are Not Alone

We speak with business owners every day who are under pressure from HMRC. Some need quick fixes. Others need a long-term turnaround. What do they all have in common? They need a partner who understands the real-world challenges of running a business, and one who doesn’t just advise, but acts.

At the heart of what we do is simple: we help businesses move forward, not stay stuck.

Not sure where to start? Let's talk. 

Whether it’s negotiating with HMRC, restructuring your business finances or exploring alternatives, we’ll bring clarity, options and innovative solutions to your situation.

Contact us today for a confidential, no-obligation consultation. Together, we’ll find the right path for your business.