Quick snapshot of this tax debt loan:
$1.2 million First Mortgage Loan secured against an investment property
Client faced significant ATO tax debt and a Director Penalty Notice (DPN)
Loan was used to fully clear tax arrears and lift DPN
Enabled business to avoid liquidation and focus on future growth
Secured Lending provided fast funding where banks could not
When the ATO issues a Director Penalty Notice (DPN), time becomes your greatest enemy. The clock starts ticking. Directors face personal liability if action isn’t taken swiftly. For many small business owners, this pressure is more than financial—it’s emotional and existential. That was exactly the case for one of our clients, whose business and personal assets were placed at immediate risk due to a substantial tax debt.
They needed a solution. Not in weeks, but in days. And they needed it without the red tape and delays of traditional lending. That’s where a $1.2 million First Mortgage Security Loan from Secured Lending provided the breathing space required to reset and rebuild.
The Challenge: Tax Debt, DPN, and No Bank Support
Our client had built a strong business, but a combination of economic downturn and delayed receivables led to growing tax arrears with the ATO. As debts accumulated, a DPN was issued, threatening not only the company but the director’s personal financial future.
To make matters worse, their primary bank declined to offer assistance. Existing debts and the urgency of the situation meant traditional lenders weren’t willing to come to the table. The client was left in a high-risk position with very limited options.
That’s when they approached Secured Lending.
The Solution: A Fast $1.2M First Mortgage Loan
We assessed the client’s full financial position, including equity in an unencumbered investment property valued at over $2 million. With this as security, we offered a $1.2 million First Mortgage Security Loan. This loan type, secured against the property as a first registered mortgage, allowed:
Full repayment of ATO tax arrears, halting legal action
Immediate lifting of the DPN, removing personal liability
Consolidation of other short-term debts into one manageable facility
Because the funding was secured against real property, we were able to approve and settle the loan within days. This speed made the critical difference between survival and insolvency.
What Did This Achieve?
The result wasn’t just financial. The client was able to:
Avoid liquidation and the long-term fallout of insolvency
Preserve their business reputation and relationships
Refocus attention on operations and growth, instead of firefighting debt
It’s a powerful example of how first mortgage loans, when used strategically, can transform a distressed scenario into a turnaround story.
When to Consider a First Mortgage Security Loan
If you’re in a position where time-sensitive liabilities like ATO debts or creditor claims are putting your business at risk, and banks have said no, this type of facility may be the bridge you need.
Typical scenarios where a First Mortgage Security Loan can help include:
Urgent tax debt resolution, particularly with DPN involvement
Refinance of existing loans under pressure
Preventing asset liquidation or forced business closure
Providing a working capital buffer during restructuring
These loans offer access to larger amounts of capital (such as the $1.2 million in this case), often at more competitive rates than unsecured alternatives. The key factor is asset backing, usually via commercial or investment real estate.
Why Fast Funding Matters
“How do I access $1 million or more in business finance quickly when my bank won’t help?”
It’s a question we hear almost daily.
At Secured Lending, we specialise in these moments of urgency. Our loans are designed for fast approvals, minimal red tape, and short-term relief. We know that when the ATO or a creditor takes action, every day counts. That’s why our approach is hands-on and outcomes-focused from the first call.
Our team doesn’t just look at financials—we understand the underlying story. Whether it’s tax issues, a bridging loan for a property settlement, or urgent business restructuring, we provide practical funding options when traditional lenders can’t or won’t.
How Secured Lending Can Help
Secured Lending offers a range of business finance solutions tailored to fast-moving, high-pressure situations:
First Mortgage Loans – large facilities backed by property, ideal for tax debt, business acquisition, or restructuring
Second Mortgage Loans – used where first mortgage already exists, suitable for top-ups or urgent funding needs
Caveat Loans – fast, short-term loans with minimal documentation, settled in 24-72 hours
Bridging Loans – temporary finance between property settlements
Short Term Business Loans – flexible funding for 3-12 months to ease cash flow or cover unexpected expenses
Our focus is on short-term lending with long-term impact. We help business owners take back control, preserve assets, and create a path to future stability.
If you or your client are facing a pressing financial deadline, especially involving the ATO or DPNs, call us on 1300 795 175 or email info@securedlending.com.au. Let’s explore the right funding option together.
