Can’t refinance your client’s ATO debt? There’s another path.
When lenders say no to a tax debt refinance, your client still has a problem — and you’ve lost the deal. Business Tax Debt Help resolves ATO debt without new finance: negotiated payment plans, debt restructuring and director protection. Fix the debt first. Finance can follow.
Why brokers partner with us
Not every ATO debt can be refinanced. Every one can be addressed.
Tax debt lenders have tight credit appetites. The debt might be too large for serviceability, there may be defaulted payment plans, outstanding lodgements, a Director Penalty Notice or a credit listing. When the deal falls over, the client is left exposed — and so is your relationship with them.
Telling the client “sorry, no lender will take it”
The debt keeps growing — and the client moves on
- ATO enforcement continues: garnishees, DPNs, statutory demands
- Interest charges (GIC) keep compounding on the debt
- The client may end up with a liquidator by default
- The director’s personal assets can come into play
- You lose the deal — and probably the client’s future lending
Referring to a director-first tax debt team
A solution that doesn’t depend on new credit
- Negotiated ATO payment plans the business can actually service
- Small Business Restructuring to compromise the debt itself
- Urgent response to DPNs, garnishees and statutory demands
- Lodgements and financials brought up to date
- A cleaner, more financeable client — who remembers who helped
The alternative pathways
When refinancing isn’t an option, these are.
We assess every option objectively and recommend the one that protects the business and its directors. None of them require your client to qualify for a loan.
ATO Payment Arrangements
Structured, realistic plans negotiated directly with the ATO — including for businesses that have defaulted before.
Keeps the business tradingSmall Business Restructuring
Eligible companies can compromise debt to as little as 20¢ in the dollar, while the director stays in control.
Reduces the debt itselfDirector Penalty Notice Defence
Urgent advice within the 21-day window to stop company tax debt becoming the director’s personal debt.
Protects the directorGarnishee & Statutory Demands
Immediate action to lift garnishee notices, respond to statutory demands and stop wind-up applications.
Stops enforcementVoluntary Administration
Where appropriate, breathing space to restructure or trade out through a Deed of Company Arrangement.
Last resort, on the director’s termsPersonal Solutions
Part 9 debt agreements and personal insolvency advice for directors with DPN exposure or guarantees they can’t meet.
For the director personallyWhat’s in it for you
A declined deal doesn’t have to be a lost client.
You know when a client’s tax debt is beyond lender appetite before anyone else does. Referring them to us means you’ve still solved their problem — and positioned them to come back to you when they’re ready to borrow again.
Give the client an answer
Instead of a dead end, offer a credible next step with specialists who handle this every day.
Fix first, finance later
Once the ATO is under control and lodgements are current, your client may present far better to lenders.
Your relationship stays intact
We resolve the tax debt. We’re not here to compete for your client’s future lending.
Stay in the loop
With your client’s consent, we’ll keep you updated so you know when they’re ready to revisit finance.
How it works
From “declined” to resolved in four steps.
No fees to start. No pressure on your client. A clear plan and a fixed-fee quote before any work begins.
Refer
Send the referral form or call us. We respond within the hour and contact your client directly.
Free assessment
We review the ATO position, cashflow, lodgements and director exposure to map viable pathways.
Strategy & quote
Your client gets a written recommendation and a fixed-fee quote — no borrowing required.
Resolve & reconnect
We deal with the ATO and creditors until it’s resolved. When your client is ready to borrow again, they come back to you.
When to refer
Common reasons tax debt deals fall over.
If your client’s application has hit one of these walls, a quick confidential call costs nothing — and timing can matter.
A DPN, garnishee or statutory demand is in play
Lenders step back exactly when the client needs help most. These need action within days.
The debt is beyond lender appetite
Too large relative to turnover, serviceability or available security.
Lodgements are outstanding
Unlodged BAS or returns make the true debt unknown — and most lenders won’t proceed.
A previous ATO payment plan defaulted
A poor ATO history weighs heavily on credit decisions.
The tax debt has been credit reported
An ATO debt listing on the business’s credit file narrows lender options sharply.
Trading losses or tight cashflow
New debt won’t fix a cashflow problem — but restructuring the existing debt might.
Broker FAQs
Questions brokers ask us.
My client was declined. Isn’t it too late?
Usually not. A decline only means a lender wasn’t the right solution. Payment arrangements, Small Business Restructuring and DPN responses don’t depend on credit approval — but some have strict deadlines, so the sooner we speak with your client, the better.
Will you compete with me for my client’s finance?
Our focus is resolving the tax debt and protecting the director. When your client is ready to borrow again, we’ll point them back to you.
Who pays for the work?
The initial call and assessment are free. If your client proceeds, they receive a fixed-fee quote before any work starts. There’s no cost to you for referring.
Can resolving the debt help my client get finance later?
It often helps. A business with lodgements up to date, ATO debt under control and enforcement stopped generally presents far better to lenders than one with an escalating debt. Every lender’s criteria differ, so we can’t promise future approval.
What if the business genuinely can’t continue?
Then we make sure that outcome happens on the director’s terms — with their personal exposure (DPNs, guarantees) addressed alongside the company, rather than by default through a creditor-appointed liquidator.
Refer a client
Turn a declined deal into a solved problem.
Send a confidential referral and a senior advisor will be in touch within one business hour. Prefer to talk it through first? Call us.
Broker referral
Confidential. No cost to refer. We respond within one business hour.