Finance for ato debt, shaped around how you get paid.

We can review options for ATO debt and existing business borrowing. We look at your current repayments, cash flow and lender requirements, then explain any options available and their costs. Refinancing may change the term and total amount you repay.

Yes. Several lenders refinance tax debt into a term loan or line of credit with scheduled repayments, secured against equipment or property or unsecured for smaller amounts, which protects a payment arrangement and frees up cash. Some lenders exclude ATO debt altogether, so lender choice matters and a broker knows which will accept it.

It can. The ATO can report business tax debts over $100,000 that are more than 90 days overdue to credit bureaus, and most lenders ask for the ATO portal when assessing larger loans. Refinancing the debt onto a facility with scheduled repayments removes the issue for future applications.

Unsecured facilities can be approved within a day or two from bank statements and the ATO portal, and secured loans take a week or two for valuation and documentation. If a director penalty notice or arrangement deadline is looming, tell your broker the date so the lender is chosen for speed.

Yes, a number of lenders on our panel will fund tax debt, either as an unsecured business loan or secured against property or equipment. The usual purpose is to replace ATO general interest charge with a structured repayment and to clear a debt that is blocking other finance. Lenders will want the ATO portal statement showing the balance and whether an arrangement is in place. Refinancing tax debt changes the term and total amount you repay, so compare that against staying on an arrangement.

A payment arrangement carries the ATO’s general interest charge, which is no longer tax deductible from 1 July 2025, and a default on the arrangement can trigger director penalty notices and credit reporting. A business loan often costs less overall, gives a fixed schedule and keeps the ATO relationship clean. Your broker and accountant compare the two for your situation.

Most unsecured business lenders size a loan against turnover rather than assets, commonly to a share of monthly or annual revenue. On our panel, unsecured facilities generally run from around $5,000 to roughly $500,000, with larger amounts usually requiring security or stronger financials. The actual figure depends on your trading history, cash flow, existing commitments and credit profile. We can tell you the realistic range for your business before any application is submitted, but no amount is guaranteed until a lender approves it.

A business loan advances a fixed amount that you repay over a set term. An overdraft is a limit attached to a transaction account that you draw on and repay as needed, with interest charged only on the balance used. A loan suits a defined purchase or a one-off cost; an overdraft suits timing gaps between paying suppliers and being paid. Overdrafts often carry a line fee whether or not you draw the limit, so compare the total cost of holding the facility.

It varies by lender and product. Many unsecured business lenders want at least six to twelve months of trading, while some asset finance lenders will consider a new ABN where the director has industry experience, a clean credit file and often property ownership or a deposit. Registration for GST is frequently expected once turnover reaches the threshold. A short ABN history is not an automatic decline, but it narrows the panel and usually affects the rate and structure offered.

No. Plenty of finance is written for non-property owners, especially asset finance where the equipment itself is the security, and unsecured lending assessed on cash flow. That said, property ownership widens the panel and often improves pricing, because it gives a lender an additional avenue if things go wrong. If you do not own property, expect more weight on trading history, bank conduct and the quality of the asset being financed.