Refinance ATO debt and stop enforcement immediately.
A growing number of specialist lenders will refinance ATO debt into commercial finance — clearing the ATO balance, lifting garnishees, and giving your business room to breathe. For viable businesses with security or strong cashflow, it’s often the cleanest pathway forward.
What it is
Specialist commercial finance, structured to clear ATO debt.
A tax debt loan is a commercial facility provided by a non-bank or specialist lender for the specific purpose of paying out an ATO liability. The lender pays the ATO directly. Your tax debt is replaced by a commercial debt — often with a longer term, fixed monthly payments, and the immediate effect of stopping all ATO enforcement.
We don’t lend money. We work with a panel of specialist tax debt lenders, and our role is to package your application properly, present it to the right lenders, and negotiate terms that are actually workable. Importantly — we tell you upfront whether refinancing is realistic in your situation, before anyone wastes time.
Who it’s for
Is this the right pathway for you?
- Businesses with viable ongoing operations and reasonable cashflow
- Companies with property security or other assets that can support a commercial facility
- Directors facing imminent garnishees, statutory demands or wind-up applications
- Businesses where the ATO has refused a payment arrangement
- Companies that need to clear the ATO before settling property transactions or refinancing other debt
Key facts
At a glance.
Rates vary
Tax debt loans are commercial, not bank-rate finance. Pricing depends on security, cashflow and risk.
Speed
Some specialist lenders can settle within 5–10 business days when urgency is real.
Security
Most facilities are secured against property or business assets. Unsecured options exist but are limited.
Not for every business
If the underlying business isn't viable, refinancing just defers the problem. We'll tell you honestly.
How it works
The process, step by step.
STEP 01
Quick eligibility review
We assess your security, cashflow, and ATO position to determine which lenders are realistic options.
STEP 02
Package the application
Lender requirements vary — we package your financials, ATO history and security in the format each lender expects.
STEP 03
Present and negotiate
We approach the lenders most likely to fund your situation and negotiate on terms, rate and structure.
STEP 04
Settlement and ATO payout
On settlement, the lender pays the ATO directly. Enforcement stops immediately and you have a single commercial facility going forward.
Honest framing. Tax debt refinancing is the right answer when the business is fundamentally viable and just needs the ATO off its back. It’s the wrong answer when the business has bigger structural problems — in which case it can make things worse by adding commercial debt to existing tax debt. We’ll tell you which side of that line you’re on.
Common questions
What people ask most often.
What are the typical interest rates?
Tax debt loans are commercial facilities provided by specialist non-bank lenders, and pricing is materially higher than standard bank lending. Rates depend on your security position, business cashflow, loan-to-value ratio and overall risk profile. We’ll give you a realistic rate range at the first meeting based on your situation.
Do I need property as security?
Most facilities are secured against real property — either business premises or director-owned property. Unsecured facilities exist for some borrowers but are typically limited in amount and more expensive. If you have no real property security, we’ll be upfront about whether refinancing is realistic for your situation.
How quickly can it settle?
When there’s genuine urgency — for example, a pending wind-up hearing or garnishee notice — specialist lenders can settle in 5–10 business days. Standard turnaround is closer to 3–4 weeks. The application package quality is the biggest determinant of speed.
Will the ATO accept being paid out by a third party?
Yes. The ATO is happy to be paid in full by anyone, including a refinance lender. On settlement, the lender pays the ATO directly and the ATO releases the debt. Enforcement action stops immediately.
What if I get the loan but can't service it?
This is exactly the question to think about before taking the loan. If your business cashflow can’t comfortably cover the new repayment, refinancing has just shifted the problem rather than solved it. In that situation we’d usually recommend a different pathway — Small Business Restructuring, for example — and we’ll say so.