ATO & business debt finance options.

Explore ways to manage business tax arrears or restructure expensive obligations without overlooking total borrowing costs.

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COMMERCIAL FINANCE LOANS ✳

Planning a $1M+ commercial funding requirement?

Consider how this product fits your wider business plan, cash flow and other genuine finance needs. Product limits and approval criteria vary; the $250M upper range is for qualifying major transactions, not all products.

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EXPLAINED IN PLAIN ENGLISH

How this finance could work.

Business owners sometimes seek funding to address ATO debt, supplier arrears or multiple short-term facilities. Some lenders may consider an eligible business-purpose loan, refinance or secured arrangement. Funding is not guaranteed and financing a tax obligation adds a repayment commitment.

Understand the position first

Before making an enquiry, identify the outstanding tax amount, any ATO arrangements, business turnover and your existing loans. The appropriate solution depends on both immediate cash flow and the ability to repay new debt.

Finance is one possible option

Depending on the business, finance might be considered alongside an ATO payment plan or other advice. Borrowing can reduce one immediate pressure while creating another; total costs should be compared.

Different lenders assess differently

Credit history, tax arrears, property equity, trading history and current repayments may all influence the outcome. Some specialist lenders consider scenarios declined by mainstream banks.

What to have ready

A simple outline of the amount owed, reason for the arrears, trading performance and any available security is enough to begin a discussion. Detailed documentation may be needed later.

PUT THE FUNDS TO WORK

What could your business do next?

Explore eligible funding for business tax arrears
Restructure several short-term business repayments
Protect an operating cash reserve during a restructure
Compare lender repayment terms with alternative arrangements
Consolidate eligible business debts
Plan for upcoming business obligations

QUESTIONS ANSWERED

Before you enquire.

Practical answers about ato & business debt finance options.

Can I borrow to pay an ATO debt?

Some business lenders may consider eligible tax-related obligations, subject to assessment and facility terms.

Will an ATO payment plan affect my application?

It may. A lender can review the status of existing repayment arrangements alongside the business’s other obligations.

Can I refinance several short-term loans?

Some facilities may be eligible for consolidation, although a new lender may not be able to refinance every debt.

Does a poor credit history rule me out?

Not always, but it affects available lenders, terms and affordability. Accurate information is important.

Will refinancing guarantee a lower rate?

No. Interest rate, fees, security, loan length and total repayments must all be considered.

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