Tax Debt Loans

Secured loans offer more flexibility, including longer terms and higher borrowing limits, allowing us to explore debt consolidation to reduce your overall costs. The biggest advantage? More lenders competing for your business, driving interest rates down. More options = lower costs!

For unsecured borrowers, an unsecured loan can still be a valuable tool to partially finance your ATO repayment agreement, ensuring the best possible outcome for your situation.

Our specialist lenders understand that businesses with tax debt may also have delayed lodgements. They may still approve loans using Low Doc methods, focusing on cash flow and asset security. However, these loans often come with stricter terms, such as higher interest rates, shorter loan terms, or lower borrowing limits. We can help you navigate the loan application process and provide guidance to improve your chances of securing funding for your tax debt repayment.

We can assist you if:
✅ You have a bad credit rating generally - we have loan options where credit scores are not assessed.
✅ You have a good credit history other than the Tax Debt - we can use this to secure lower-cost tax loan options for you.
✅ Your ATO debt has been rejected for a payment plan or is in default - we are the next logical step to help you.
✅ You have security available - this will help keep your borrowing costs down.

Our lender options typically cover a range of taxes owed to the Australian Taxation Office (ATO):

✅ Goods and Services Tax (GST) / Business Activity Statement (BAS) liabilities
✅ Pay-As-You-Go (PAYG) debts
✅ Superannuation Guarantee Charges (SGC)
✅ Income Tax for businesses and company profits
✅ Fringe Benefits Tax (FBT) / Capital Gains Tax (CGT)

Book a convenient time for a call and we'll find out your options.

If you need funds urgently i.e. within 5 days or less to avoid a costly impact we also work with private lenders who offer fast / short-term loans. Fast funding is typically used as part of a broader finance strategy buying you time to deal with an urgent matter while planning to refinance to cheaper, long-term options later.

To qualify you'll need security of some type:
✅ Security is mandatory in these cases
✅ Property security preferred
✅ Other security options considered – items like artwork, precious metals, business equipment, vehicles, or racehorses may also be accepted

When Fast Cash Makes Sense:
✅ Issued a Directors Penalty Notice
✅ Breaching debt covenants you have in existing loans - common for businesses
✅ Some other serious cost impacts if not urgently resolved

Need fast funding urgently? Call now or leave us a message, don’t delay.

Benefits in Engaging with ATO first:

✅ Try to avoid enforcement actions such as Director Penalty Notices, garnishee orders, liquidation proceedings, issues being recorded on credit reports.
✅ Potential for a payment plan or interest remission
✅ Demonstrates good faith & compliance – Improves relations with the ATO and demonstrates to lenders that you are of good character and credit worthy.

First Steps:
✅ If not already attempted, speak with your tax advisor and discuss a payment plan or potential penalty reductions with the ATO.
✅ Keep up to date with tax lodgements, even if you can’t pay in full.
✅ If the ATO refuses a reasonable arrangement, contact us to explore alternative financing options like tax debt loans.

You may want to consider alternative funding options through us if the ATO:
✅ Rejects a payment plan request
✅ Demands an unaffordable lump sum payment
✅ Issues a Director Penalty Notice or legal enforcement action
✅ Refuses to remit penalties or interest