Need Estate Expense Funding?
Access 50% of your estate value today
Get Estate Expense Funding when you need it most
When you’re dealing with the loss of a loved one, the last thing you want to worry about is how to cover costs like Inheritance Tax, legal fees or property renovations.
That’s where estate expense funding from Provira can help.
Our compassionate, professional team is here to help you unlock up to 50% of your estate funds fast, so you can pay for important expenses without added stress.
What is Expense Estate Funding?
Estate Expense Funding is designed for executors who need access to money tied up in an estate before it has been fully settled.
Probate can take months – sometimes more than a year – but Inheritance Tax is due within six months of death. Without probate, you can’t sell any of the estate assets to cover these costs. For many people who can’t afford to pay the taxes themselves, this can be an incredibly stressful time.
However, with Provira’s Estate Advance, you can access up to 50% of the value of the estate within just a few days. This advance can be used to cover:
- Inheritance Tax bills
- Legal fees
- Funeral costs
- Property repairs or renovations
- Other estate expenses
The amount of estate expense funding you can access is based on the value of the estate. We don’t ask for any collateral, income checks, charges over property or even a strong credit history.
All you have to do is apply, get your Estate Advance within a few days and pay it off once probate has been completed. It really is that simple!
How it works
At Provira, our team has designed the process to be as quick, easy and stress-free as possible.
Within just a few days, we’ll assess the value of your estate and pay out up to 50%, so you don’t need to worry about urgent costs.
When the probate process has ended, simply pay us back. If it’s a little later than you think, it’s no problem – we don’t give you a set repayment deadline. If you want to pay it off early, you can! We don’t charge early repayment fees either.
Funding based on the estate, not your credit
Our estate expense funding is assessed on the value of the estate, not your personal finances. Even if you have poor credit or are out of work, you can still apply and be approved.
Estate expense funding without a will
If there’s no will, that’s not a problem. You can still access estate expense funding through Provira.
Quick decisions, no hidden costs
Our team knows how urgently you might need the money. That’s why we aim to get you pre-approved within 48 hours. Plus, we only charge simple interest, not compound interest, so you’ll never pay interest on interest.
Access 50% of your Estate value today with these 4 simple steps
1
2
Send us your documents
We’ll confirm if you’re eligible and ask for documents like a copy of the death certificate, will (if you have one), ID and confirmation of estate assets.
We’ll confirm if you’re eligible and ask for documents like a copy of the death certificate, will (if you have one), ID and confirmation of estate assets.
Show list
- Copy of Death Certificate
- Copy of Will (if applicable)
- Copy of Grant of Probate/Confirmation/Letters of
Administration (if applicable) - Confirmation of the assets and liabilities within the estate
- Proof of ID, address and bank details
3
Assessment
Our experienced team of underwriters looks through your application within 48 hours. If you’re successful, we’ll send you a formal offer by email.
4
Receive your funds
Once loan documents are signed (usually electronically), funds are transferred to your account the same day.
With Provira, estate expense funding can be in your account within 3 days.
Ready to get started?
Why choose Provira for Estate Expense funding?
- Fast & efficient: Access up to 50% of estate value within 3 days.
- Simple pricing: We only charge simple interest (not compound interest), so you won’t pay interest on top of the interest.
- No risk: No personal guarantees, no monthly repayments, no early repayment fees.
- Confidence in the process: We work directly with executors to make the process as stress-free as possible.
What can Estate Expense funding be used for?
Every family’s situation is different, which is why we keep things flexible. You can use your Estate Advance to:
- Pay Inheritance Tax on time so probate can move forward.
- Cover solicitor fees during the probate process.
- Maintain, repair or renovate estate property (whether it will be sold or not).
- Pay funeral expenses.
- Pay any household bills or other taxes tied to the estate.
We are here to take the financial pressure off, so you can focus on what really matters.
Other things to know
- There are no monthly repayments and no early repayment fees.
- The Advance is normally repaid in full when your inheritance is received.
- When the estate is settled the loan is repaid to us, normally by the Estate Administrator or the professional firm responsible for the sale of a property within the estate.
- If it turns out that your inheritance is less than expected, then as long as you have kept to the terms of the agreement, you will not be required to pay the shortfall should there be one.
Jon – Estate Advance
From roaming to roots. Jon’s story of creating a legacy for his kids.
Jon – Estate Advance
From roaming to roots. Jon’s story of creating a legacy for his kids.
Representative example
An Advance of £50,000 with an Arrangement Fee of 2% (£1,000) and an Interest rate of 24% (fixed). Interest is calculated on the advance and the fee and accrues daily.
*representative 26.5% APR.
Fees and costs
We believe in keeping things clear and fair:
- Arrangement Fee: 1-2% (added to the loan, repaid once the estate is settled).
- Interest: 1.5-2% per month, charged as simple interest (not compound).
- No hidden charges: No early repayment fees and no monthly repayments.
Fees and costs
We believe in keeping things clear and fair:
- Arrangement Fee: 1-2% (added to the loan, repaid once the estate is settled).
- Interest: 1.5-2% per month, charged as simple interest (not compound).
- No hidden charges: No early repayment fees and no monthly repayments.
We’re here to help
It’s important to us that you have all the information you need to move forward with hope.
or call us on 0203 813 6400
FAQ's
With traditional loans, lenders will look at your credit history or ask for security over your assets. The Estate Advance with Provira is underwritten against the value of the estate itself, so you can apply even if you have a bad credit history or if you are unemployed.
We understand that sometimes the value of an estate can change due to factors out of anyone’s control. As long as you’ve kept to the terms of the agreement, you won’t have to make up any shortfall.
Yes. Estate expense funding is available whether or not there is a valid will.
The advance is normally paid back by solicitors once the probate process has been completed and the estate assets are released.
You can access up to 50% of the value of the estate. The exact amount will depend on the assets and liabilities within the estate.
No. The advance is repaid in full once the estate assets are realised, so there are no monthly payments to worry about.
That’s not a problem. We know probate can take time. Your estate expense funding agreement stays in place until the estate’s funds are released, without penalties.
Unfortunately not. As the applicant, you will need to be a UK resident enquiring about a UK estate.
If you are the executor of the estate, you can apply directly. If you are a beneficiary, you will not be able to apply without the executor, as they will need to instruct the solicitor administering the estate to repay the loan.
Estate expense funding is usually used to pay for Inheritance Tax or costs that the estate incurs. If you are looking to access your portion of the Inheritance early, then our Inheritance Advance might be a better fit for you!
If there are multiple executors, we may need confirmation from all named executors before we release estate expense funding. Our team will guide you through this process to keep it simple and stress-free for everyone involved.
Yes, if you want to pay back the advance early from your own funds, you can, and there are no early repayment fees.
That’s very common. Our funding is secured against the overall UK estate value, not just cash, so you can still access money quickly while waiting for property or investments to be sold.
Provira’s founding team and investors are experienced financial professionals, having successfully launched and invested in many innovative specialty finance businesses.
We are passionate about building businesses that focus on benefiting the consumer. We’ve worked for and with some of the largest and most reputable financial institutions globally.