Premium Credit: products, terms and eligibility

Premium Credit is a UK provider of tax bill funding. The legal entity named on its site is Premium Credit Limited, company number 02015200. It is based in Leatherhead, Surrey.

Premium Credit Limited is registered in England and Wales (company number 02015200) and is based at Ermyn House, Ermyn Way, Leatherhead, Surrey. Its site says it has more than 39 years of experience in the finance sector. It says it is authorised and regulated by the Financial Conduct Authority (firm reference 702718), is a member of the Finance and Leasing Association and follows the FLA Lending Code.

In its own words on scale:

• Says it originates over £6bn of loans annually (figure on its site in October 2026).
• Says it serves over 3 million customers and works with over 2,500 partners (figures on its site in October 2026).

Everything on this page comes from what Premium Credit publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Premium Credit publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Tax and VAT funding (VAT, Corporation Tax, Self Assessment): Monthly instalments aligned with other expenditure.
• Business insurance premium finance: Smaller monthly instalments by Direct Debit instead of a large upfront sum.
• FCA fees funding: Pay FCA fees and levies monthly.

Tax and VAT funding (VAT, Corporation Tax, Self Assessment)

Offered through accountants and advisers so that clients can spread VAT, Corporation Tax and Self Assessment liabilities over up to a year. The site presents it as aligning quarterly and annual tax payments with monthly cash flow. Eligibility, security and repayment mechanics are not described on the page, which directs enquiries to account managers.

Business insurance premium finance

Lets a business spread the cost of an insurance premium into smaller regular instalments rather than paying a lump sum. Premium Credit pays the insurer directly and collects repayments by monthly Direct Debit. The customer provides personal and bank details, signs a Credit Agreement online through the My Premium Credit account and sets up the Direct Debit.

FCA fees funding

A product that lets FCA-regulated firms spread FCA fees and levies by paying monthly. The site says it has offered this to regulated firms for over a decade.

Premium Credit says its finance is used for:

• Spreading VAT bills
• Spreading Corporation Tax and Self Assessment liabilities
• Spreading business insurance premiums
• Spreading FCA fees and levies

Sectors and business types it says it funds:

• Insurance premium finance
• Tax and VAT funding for clients of accountants and advisers
• FCA-regulated firms (FCA fees funding)

Premium Credit publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Tax and VAT funding is offered through brokers who introduce their clients' liabilities.
• Business customers spread liabilities for up to a year.

Premium Credit describes its process like this:

1. Provide personal and bank details.
2. Receive a Credit Agreement to sign online through My Premium Credit.
3. Set up monthly Direct Debit payments.
4. Manage the account online.

Information it says it asks for:

• Personal and bank details

Every application is subject to status and the lender’s own criteria at the time.

Tax bill funding is short-term borrowing that pays an HMRC bill on time while you repay the lender in instalments. It carries interest and fees, and HMRC’s own Time to Pay arrangement is an alternative worth comparing.

Our guides to VAT loans and Corporation Tax loans set out how the two routes compare.

Points Premium Credit publishes that are worth knowing:

• The Tax and VAT page is written for brokers, who it says earn commission.
• Says it operates in the UK and Ireland.
• Credit agreement is signed online; repayments by Direct Debit.
• Member of the Finance and Leasing Association and follows the FLA Lending Code.

Premium Credit’s site states: “Authorised and regulated by the Financial Conduct Authority (Firm Reference number 702718). We are a member of the Finance and Leasing Association (FLA) and we follow the FLA Lending Code a copy of which is available on request.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Premium Credit is the only profile in this category so far.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.