The simple and
reliable way
to access estate
funds quickly
Our agile and solutions focused team
will help you unlock funds to pay
for Inheritance Tax or other estate costs.
What is an Estate Advance?
If you are an Executor of an estate facing an Inheritance Tax bill (or other Estate liability) without access to the necessary funds then we can help.
- Many estates can take up to 12 months to administer, yet Inheritance Tax needs to be paid within 6 months from death and probate/ confirmation/letters of administration can’t be obtained without paying the tax. Without probate/confirmation you can’t sell assets within the
estate to raise the funds to pay the tax. - Whilst it may be possible to agree with HMRC to pay the Inheritance Tax via instalments, this can be complex, you will need to have sufficient funds to pay the first instalment and it may not be the most costeffective option. This is when we can help.
- The Estate Advance enables Executors immediate access to up to 50% of the value of the estate. Not only can the funds be used to pay Inheritance Tax they can also be used to pay other estate expenses including the repair/renovation of property, legal fees etc.
- Applications are assessed solely on the value of the estate. No personal guarantees or charges over property are required. If it turns out the value of the estate 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.
- The Advance is normally repaid in full when the proceeds from the estate are realised. There are no monthly repayments and no early repayment fees.
How it works
Efficient solutions at speed
Provira enables you to access up to 50% of the value of the estate within 3 days of application.
Simple and straight-forward
We only charge simple interest (not compound interest) so costs are fixed and transparent and you are not paying interest on the interest. We are FCA regulated.
Confidence in the process
We work directly with solicitors and pay HMRC Inheritance Tax directly. There is no personal guarantee required, no monthly repayments and no early repayment fees.
Get your estate advance in these 4 simple steps
1
2
Send us your documents
We confirm your eligibility, send you a document list and you provide:
- 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
We confirm your eligibility, send you a document list and you provide:
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
Your application is assessed
hours and successful applications receive a formal email offer.
4
Receive your funds

Ready to get started?
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.
12 months | Time to liquidate estate |
£12,240 | Owed in interest |
£51,000 | Owed in capital and fees |
£63,240 | Total balance owed* |
*representative 26.5% APR.
What Are The Fees For An Estate Advance?
The Arrangement Fee (which is simply added to the loan) is 1-2% of the loan amount. The interest rate is 1.5-2% per month for as long as the Advance is outstanding.
Crucially, we only charge simple interest rather than compound interest. This means you are not paying interest on the interest. In the example above, this would result in a saving of £1,440 compared to all other providers with the same rates and fees that do charge compound interest.
Commission
If you have been introduced to Provira by a third party (e.g. broker, IFA, law firm etc.), we may pay that third party a commission of 1% of the value of the loan. Whether or not we pay a commission has no impact on the fees and interest rate you will pay. If we do pay a commission, we will advise you of this and confirm the amount payable.
What Are The Fees For An Inheritance Advance?
The Arrangement Fee (which is simply added to the loan) is 1-2% of the loan amount. The interest rate is 1.5-2% per month for as long as the Advance is outstanding.
Crucially, we only charge simple interest rather than compound interest. This means you are not paying interest on the interest. In the example above, this would result in a saving of £1,440 compared to all other providers with the same rates and fees that do charge compound interest.
Commision
If you have been introduced to Provira by a third party (e.g. broker, IFA, law firm etc.), we may pay that third party a commission of 1% of the value of the loan. Whether or not we pay a commission has no impact on the fees and interest rate you will pay. If we do pay a commission, we will advise you of this and confirm the amount payable

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