ATO debt loans
Explore finance to pay an outstanding tax debt, with repayments assessed against what your business can realistically afford.
Explore tax debt loans
ATO debt loans & business finance
ATO debt weighing
on your business?
Let’s find a way forward.
You’ve worked too hard to let a tax debt define your future. Explore finance to address your ATO debt, ease the pressure and get back to running your business.
An honest conversationNo obligation to borrowYour business comes first
Real people. A practical path.Finance options, without the judgement.
Independent guidanceNot part of the ATO
Business-focused financeBuilt around your circumstances
No pressure to proceedUnderstand before you commit
Specialist finance teamLed by Kevin Knight
A debt problem. Not a dead end.
Your business has a future.
Let’s make room for it.
Overdue BAS. A payment plan you can’t keep up with. Another letter from the ATO. Whatever brought you here, start with options — not more uncertainty.
Payment plan refinancing
Is your ATO payment plan stretching cash flow? Compare a new loan against your current plan — interest, fees and all.
Compare your optionsHelp with urgent ATO notices
A DPN, garnishee or statutory demand needs prompt advice. Understand where finance might fit, without losing sight of deadlines.
Understand your next stepLess pressure. More perspective.
You need a plan.
Not another sales pitch.
Taking on a loan is a significant decision. We start by understanding your debt, your cash flow and what you want to protect — then talk honestly about whether finance makes sense.
See the full cost before you commit
Look beyond a headline rate. Understand fees, guarantees, security and the total amount you would repay.
Keep tomorrow’s tax bills in the picture
A useful solution addresses existing debt without leaving you unable to meet wages, suppliers and future BAS obligations.
Know when a different adviser is needed
Finance is not always the answer. Tax, legal and insolvency questions belong with appropriately qualified professionals.
A straightforward next step
From “what now?” to a clearer plan.
You do not need to have everything figured out to start a conversation.
01 / TALK
Tell us what is happening
Share your ATO balance, business situation and any notices. If a legal deadline is involved, seek legal advice immediately.
02 / UNDERSTAND
Look at the real options
Consider potential finance, its costs and obligations alongside your accountant’s view of the business.
03 / DECIDE
Choose with confidence
If finance is suitable, review the proposed terms before a formal application. Approval remains subject to lender assessment.
Why business owners act before the next ATO letter
Three practical starting points that help you move from stress to a plan you can stand behind.
Look beyond the big banks
More than 40 lender options.
More room to find the right fit.
A big bank is not your only starting point. Explore more than 40 lender options beyond the big banks, including non-bank and specialist business finance providers.
The right option depends on your business, not the size of a lender’s name. We look at cash flow, the debt you need to address and the obligations you would take on.
Different criteria, a considered approach
Lenders assess trading history, credit, security and repayment capacity differently. A bank decline does not guarantee approval elsewhere.
Secured and unsecured possibilities
Compare property-backed and business cash-flow lending where available. Personal guarantees or security over business assets may still apply.
A suitable loan, not just any loan
Compare total cost, repayment frequency, fees and default consequences alongside an ATO payment arrangement.
Not all lenders offer finance for ATO debt, and not every option will be available to your business. Finance remains subject to lender policy, approval, terms and fees.
See what lenders assessBuilt around how your industry gets paid
Cash flow looks different on a building site, behind a café counter and in a consulting office. Lenders look at it differently too.
The next step does not have to be a big one.
Talk to our tax debt finance specialists about what is happening. Get a clearer picture of your finance options before deciding what comes next.
Answers before decisions
It’s reasonable to
have questions.
Especially when your business is on the line. Here are some of the things business owners want to know first.
Can I get a business loan to pay an ATO debt?
Some business lenders consider finance for ATO liabilities. Eligibility depends on cash flow, trading history, credit position, debt type and lender policy. Approval is not guaranteed, and the repayments must be sustainable.
Will an ATO debt loan be cheaper than a payment plan?
Not necessarily. Compare the ATO interest applicable to your balance with the loan’s interest, fees, term and total repayments. A lower instalment can come with a higher total cost.
Do I need property to qualify?
Some lenders consider applications without property security. Unsecured finance can still require a personal guarantee or security over business assets. Ask about the exact obligations before signing.
What if I have received a DPN or statutory demand?
Seek qualified legal advice immediately and contact your accountant. Deadlines matter. A loan application does not pause enforcement, and funding cannot be guaranteed within the notice period.
Will discussing my options affect my credit score?
Ask what assessment is proposed before you consent. An initial conversation is different from a formal lender application; credit checks and reporting practices depend on the process and lender.