ATO DEBT FINANCE
ATO debt doesn’t have to stop your plans.
An ATO payment plan can be appropriate, but it is not always the only path. We help business owners explore alternative funding options and understand how lender may view ATO debt.
11.43%
GIC rate for the July - September 2026 quarter
Credit expertise
Specialist lenders
Tailored finance
Clear guidance
Ongoing support
A payment plan is one option. Not the only one.
YOUR OPTIONS
ATO payment plan
May suit businesses that can manage repayments without restricting cashflow.
Refinance ATO debt
May provide a different repayment structure or form part of a broader refinance.
Debt restructure
Where there is ATO and other debt, the broader position may need reviewing.
KEY CONSIDERATIONS
Why look beyond the payment plan?
Cash flow pressure
Large regular repayments can restrict working capital.
Interest cost
ATO general interest charge (GIC) may not be tax deductible.
Future borrowing
Existing ATO debt can affect how some lenders assess your business worthiness.
Business plans
Property or growth plans may require the whole debt position to be considered.
The right approach depends on the amount owed, cash flow, security available, repayment capacity and the reason the debt arose.
LENDER PERSPECTIVE
What lender will want to understand.
Lenders will take a case-by-case view, but typically want to understand:
Why the ATO debt arose
Whether tax lodgements are current
Whether a payment plan exists
If the payment plan is up to date
Repayment capacity
Existing business debt
Personal and business security
Overall financial position
CAN YOU REFINANCE?
Yes, in some circumstances.
Some lenders may consider refinancing ATO debt, depending on the business, amount owed, payment capacity, security available and how the debt arose.
Refinancing may provide a different repayment structure or reduce pressure on business cashflow.
FUNDING SOLUTIONS
Funding options may extend beyond the ATO debt.
ATO debt does not automatically rule out other funding options. We help you explore what may be available.
How it works
Understand your position
We look at the debt, cash flow and what you are trying to achieve.
Assess the structure
We review your profile, documents and structure through a lender’s lens.
Compare & present
We compare lenders and structures so you can weigh up the trade-offs.
Strategic execution
We prepare, lodge and manage the process from submission to settlement.
Stay present
We are here after settlement for rate reviews, refinances and future goals.
Have a circumstance worth structuring properly?
Let’s talk through your situation and explore the right path forward.
FAQs
Common questions
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Possibly. Some lenders may consider applications with existing ATO debt depending on the overall position, including cashflow, repayment conduct, profitability and whether the debt is being managed appropriately.
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In many cases, lenders may view an active repayment arrangement more favourably than unmanaged or overdue tax debt. Requirements vary between lenders.
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Some lenders may allow funds to be used to reduce or refinance tax debt as part of a broader business funding strategy. Approval depends on lender policy and the strength of the overall application.
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This may include:
ATO portal statements
BAS statements
business bank statements
financials or management accounts
details of existing debts and repayments
The exact requirements depend on the lender and loan type.
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It can. Lenders may include repayment obligations, outstanding liabilities and payment conduct when assessing serviceability and overall risk.
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Many lenders will want lodgements brought up to date before formally assessing an application. Unlodged returns can create uncertainty around the true financial position of the business.