Tax Debt Loans for Australian Businesses
Get funds to conquer tax debt and 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.
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.
Frequently Asked Questions
How can we help you?
If your business has outstanding tax debt, it can have serious consequences. The tax authorities may impose penalties, interest charges, and take legal actions to collect the debt. This can include placing liens on your assets, seizing bank accounts, or initiating legal proceedings to wind up your business.
Yes, in many cases, businesses can negotiate a payment plan with the tax authorities. This allows you to pay off your tax debt in manageable installments over time. However, it is important to communicate with the tax authorities promptly and provide them with accurate financial information to support your proposed payment plan.
Yes, it is possible to obtain a loan, such as a short-term loan or a secured loan, to pay off your tax debt. These loans can provide the necessary funds to settle your tax liabilities and help you avoid the potential consequences of non-payment. However, it is essential to assess the terms, interest rates, and repayment terms of the loan carefully before proceeding.
- Startups: New businesses might lack the established financial history required for traditional loans. Bridging loans can provide the necessary capital to secure initial property or equipment.
- Established companies: Expanding businesses may need quick access to funds for additional space, renovations, or equipment upgrades. Bridging loans offer a fast solution to capitalize on growth opportunities.
- Property developers: Developers often operate in fast-paced environments. Bridging loans help secure land purchases or finance development projects before securing permanent financing.
- Businesses seeking relocation or expansion: Bridging loans can help businesses move quickly to secure new locations or expand existing ones without waiting for the sale of their current property.
Yes, unpaid taxes can negatively impact your business’s credit score. The tax authorities may report the debt to credit bureaus, resulting in a negative mark on your business’s credit report. This can make it challenging to secure favorable credit terms in the future and may impact your ability to obtain loans or credit for business operations.
Yes, seeking professional advice is highly recommended when dealing with tax debt for your business. Tax professionals, accountants, or business advisors can provide guidance on navigating the complexities of tax debt, negotiating with the tax authorities, exploring financing options, and developing a strategy to address your business’s tax liabilities effectively. They can also help you stay compliant with tax regulations and minimize the risk of future tax issues.
A loan can provide you with the funds needed to pay off your ATO debt, avoiding penalties and interest charges, as well as improving your cash flow by offering longer terms than what might be possible to negotiate with the ATO.
Why Choose Secured Lending?
- Finance within 24 hours
- Loans from $250,000 to $45 million
- Over 250+ clients
Case Studies & Success Stories
Business Loans With Secured Lending
Proven secured lending strategies that drive business growth.
