ATO Tax Debt Loans for Businesses
Pay off your ATO debt and let your business thrive.
Over $400 million in business loans Australia-wide.
Rates from
9.95% p.a
Funding in
24 hours
Loans from $250k up to
$45 million
Terms
1-24 months
Fast, reliable funding to deal with the ATO — before it impacts your business.
If your business owes money to the ATO, you’re not alone. Tax debt can happen due to cash flow issues, unexpected expenses, or simple timing mismatches. But if left unpaid, it can snowball — with penalties, interest charges, and even legal action.
At Secured Lending, we offer fast tax debt loans that help businesses resolve their ATO obligations quickly — so you can get back to running your business with confidence.
Why Consider a Tax Debt Loan?
Avoid ATO Penalties and Legal Action
Stay ahead of escalating fees and enforcement by clearing your tax debt on time.Free Up Working Capital
Preserve your cash flow and keep business operations running smoothly.Consolidate Outstanding Debts
Roll multiple obligations into one manageable repayment plan.Avoid Business Disruption
Protect your reputation, credit profile, and continuity of service.
Is a Tax Debt Loan Right for You?
Ask yourself:
Is ATO pressure limiting your business growth?
Do you need short-term cash to stay compliant and operational?
Would fast finance help you negotiate better terms with the ATO?
Are traditional lenders unwilling to assist due to the nature of your tax debt?
If you answered yes to any of the above, a short-term tax debt loan could be the right solution.
The ATO Overdraft is About to Get Expensive
Are you treating unpaid tax like a cash flow buffer? That “ATO overdraft” is about to hurt a lot more.
📌 From 1 July 2025, interest on ATO debt will no longer be tax deductible.
Here’s what that means:
The ATO’s General Interest Charge (GIC) is already 11.17%, compounding daily.
Right now, that interest is tax-deductible, softening the blow.
After 1 July, it becomes a full, non-deductible cost to your business.
In contrast, interest on a business loan to cover tax debt may remain deductible — even if the rate appears higher.
So while a second-tier loan might advertise 13–14%, the real after-tax cost could be lower than the ATO’s.
✅ Now is the time to act. Don’t let compounding interest and tax changes derail your cash flow.
ATO Tax Debt Loan Success Stories
Here are recent success stories from our clients:
- $800K Second Mortgage Tax Debt Loan Helped Save a Multi-Property Refinance in Pyrmont
- $1.2 Million First Mortgage Loan Rescues Business from ATO and DPN Crisis
- $1.1 Million Turnaround: How Secured Lending Helped a Business Clear ATO Debt in 48 Hours
- ATO Tax Debt Cleared with a $500,000 Second Mortgage Loan in Melbourne
- $500,000 Tax Debt Loan Used to Resolve ATO Director Penalty Notice Just in Time
- 7 Loans In 7 Days: $25.5 Million Funded
- $250,000 Tax Debt Loan Rescues Business from ATO Wind-Up Within 24 Hours
How We Help
At Secured Lending, we move quickly to get funds in your account — often within 24 to 48 hours.
We specialise in tax debt relief through:
First Mortgage Finance
Second Mortgage Finance
Caveat Loans
Bridging Finance
Short-Term Business Loans
Every loan is tailored to your situation, with repayment terms and funding amounts structured around your business goals and current cash flow.
Why Choose Secured Lending?
Over $400 Million in loans serviced Australia-wide.
Tax Debt Case Studies & Success Stories
Our team is here to help
Our dedicated team is always ready to assist you with a fast, obligation-free loan assessment
Private Business Loan Solutions
Private lending strategies that drive business growth.
Frequently Asked Questions
1. Is a tax debt loan better than risking ATO penalties or legal action?
Yes. ATO penalties, interest charges, and legal action can escalate quickly. A tax debt loan gives you control, avoids compounding fees, and protects your business from enforced recovery actions.
2. Can a tax debt loan improve cash flow so I can focus on growth?
Absolutely. By clearing your ATO debt in one go, you avoid payment pressure and regain working capital — freeing you up to invest in operations, staff, or expansion.
3. Would consolidating tax and business debts with a loan save on interest and admin?
Yes. Combining tax arrears with other business debts into a single facility often reduces your overall interest burden and simplifies repayment tracking, especially if you’re juggling multiple creditors.
4. Can a tax debt loan prevent my business from being shut down due to ATO pressure?
In many cases, yes. We’ve helped businesses refinance or repay ATO debt before it led to director penalty notices (DPNs), garnishee orders, or forced wind-ups. Acting early with a loan can protect your trading position.
5. Is a tax debt loan a good solution to bounce back from a financial setback?
It can be. If you’ve experienced a rough patch, a short-term tax debt loan can resolve urgent liabilities, stabilise your cash position, and buy time to recover without the ATO escalating action.
6. Can a tax debt loan help me stay focused on my business instead of ATO stress?
Yes. Clearing your tax obligations upfront reduces stress, stops the ATO’s follow-ups, and lets you focus on core business priorities instead of chasing payment plans or managing mounting interest.
7. How does a tax debt loan compare to other finance options for tax liabilities?
Tax debt loans are often faster and more flexible than traditional bank finance. They’re designed for short-term use, secured by property, and tailored for urgent or time-sensitive tax issues.
8. What should I consider before taking out a tax debt loan?
Key factors include the loan term, repayment strategy, your exit plan, and the value of your property security. Also consider how quickly you need the loan and whether it solves the root cause of the tax issue.
9. Can I still set up a payment plan with the ATO and use a tax loan to pay it down faster?
Yes. Some borrowers use the loan to make a lump-sum payment or reduce the size of the ATO plan, gaining leverage in negotiations and avoiding future penalties or compounding interest.
10. Can I claim tax deductions on the interest from a tax debt loan?
In many cases, yes — interest on a business-purpose loan, including one used to repay tax debt, can be deductible. Speak to your accountant or adviser for confirmation based on your structure.
11. Will a tax debt loan impact my credit score less than defaulting with the ATO?
Likely, yes. ATO defaults, DPNs, and garnishee actions can severely damage your credit and lender reputation. A tax debt loan, when repaid as agreed, avoids this spiral and keeps your credit profile intact.
12. Why is it important to manage business tax debt early?
ATO debt doesn’t go away — it compounds. Left unmanaged, it can lead to legal action, director penalties, frozen accounts, and even forced liquidation. Acting early gives you options.
13. Can I get a loan to pay my tax debt even with bad credit?
Yes. We assess based on the strength of your property security and the commercial viability of your scenario — not just your credit score. Many clients with defaults or ATO issues still qualify.
14. Will outstanding tax debt affect my business’s ability to borrow in future?
Yes. Lenders often view unresolved ATO debt as a red flag. By paying it off with a loan now, you improve your financial profile and make future financing easier.
15. Should I get professional advice before applying for a tax debt loan?
We always recommend it. Accountants, advisers, and tax agents can help you understand your broader obligations and ensure the loan supports a sustainable solution — not just a temporary fix.
16. What happens if my business has unpaid taxes with the ATO?
Unpaid ATO tax debts can trigger serious consequences — including interest charges, garnishee notices, director penalty notices (DPNs), and legal action. The longer the debt remains unresolved, the more limited your options become.
17. Can I negotiate a payment plan with the ATO for my business tax debt?
Yes, the ATO does offer payment plans, but they often come with strict terms and ongoing interest. Many business owners use a tax debt loan to pay off the ATO in full, then manage repayments under clearer terms.
18. How can a loan help me repay my ATO debt efficiently?
A tax debt loan allows you to clear the entire tax bill upfront, avoiding penalties and interest, while giving you structured repayments that match your cash flow. It can be a smarter alternative to drawn-out ATO plans.
19. Should I get expert help when managing my business tax obligations?
Absolutely. Tax obligations can be complex, especially if debt has accumulated. Professional advice ensures your strategy is compliant, financially sustainable, and protects your business from further risk.