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Short on cash to pay this month's tax? Delay an upcoming provisional payment by up to 22 months.

If you know in advance of a provisional date that your client is unable to make a deposit or full payment of the tax amount due, or they wish to retain cash in their business, you can set up a finance arrangement through Tax Traders to pay the provisional tax.

When you put something in place in advance, Tax Traders is able to offer you a significantly lower interest rate, so it is well worth talking to us if your client is looking for some flexibility.

This option is particularly helpful in industries where income is seasonal or for businesses that are growing and therefore need to reinvest, allowing cashflow to be managed more effectively throughout the tax year.

Do it all online in few minutes:
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  • If you’re an individual taxpayer, we recommend you ask your accountant to contact Tax Traders so we can get the best outcome for you.

    short cash

    How does it work?

    Simply pay the interest up front and then pay your provisional tax at a maturity date you select up to 22 months later. The provisional tax is held for you in a Public Trust account at Inland Revenue (IR) and is transferred to your IR account at maturity, once the provisional tax is paid.

    If you no longer need all the tax at the maturity date, there’s no break fee and you only have to pay for what you need. If you want to repay early or pay by instalment you can do that too. Our online tools make it easy to setup an arrangement and make adjustments as you go where necessary.


    • Eliminate late payment penalties and use of money interest charges.
    • Retain working capital in your business.
    • Less expensive than buying tax.
    • Easy to set up – no security or financial disclosures are required.
    • Guaranteed availability of tax credits.
    • Only pay the principal amount that you need, even if this is less than you originally booked.
    • Pay the amount at maturity or by instalment.
    • No establishment fees or charges.


    • All finance arrangements must be completed and transferred to IR within 75 days of your client’s terminal tax date.
    • Income tax is the only tax type that can be delayed in this manner.

    Greater protection with Tax Traders

    • 100% IR approved
    • Public Trust holds and approves all payments and transactions
    • Independently audited
    • Money back guarantee if Inland Revenue decline your request

    Do it all online in just a few minutes
  • Get started
  • Talk to us
  • If you’re an individual taxpayer, the benefits of using our tax pool just got better! Taxi is our new venture giving Kiwi businesses easy access to working capital at about half the rate of a big bank overdraft. Learn more at