If you’re managing a business in Australia, you know that cash flow is rarely predictable. Even the most well-run operations can face a sudden tax bill or an unexpected Australian Taxation Office (ATO) payment plan. When these obligations arise, you need a solution that’s fast, reliable, and doesn’t disrupt your broader business goals. That’s where a secured loan for ATO payment plans comes in.
At Secured Lending, we’ve advised and assisted borrowers with ATO payment plans for years. We understand the pressure of meeting tax deadlines while keeping your business moving. Whether you’re facing a one-off tax debt or a structured ATO payment plan, a secured loan can help you bridge the gap—without compromising your growth or reputation. Assess your scenario today.
Why Consider a Secured Loan for ATO Payment Plans?
ATO payment plans are designed to give you breathing room, but they don’t always align with your cash flow. If you’re juggling payroll, supplier invoices, and other commitments, even a manageable tax repayment schedule can create stress. A secured loan offers a practical way to:
- Settle your ATO payment plan in full or in part—freeing you from ongoing interest and penalties.
- Protect your business credit rating by avoiding defaults or late payments.
- Maintain control over your cash flow so you can focus on growth, not just compliance.
With a secured business loan, you can leverage the equity in your residential or commercial property to access the funds you need—often with same day settlement or funding within 24 hours. This speed is critical when you’re facing an urgent settlement deadline with the ATO.
The Benefits of Secured Loans for ATO Payment Plans
A secured loan is a straightforward, outcome-driven solution. Here’s why it works so well for ATO payment plans:
- Fast access to funds: When time is of the essence, you can’t afford to wait weeks for approval. Secured Lending specialises in urgent settlement, with funding within 24 hours in many cases.
- Flexible terms: You choose the loan amount and repayment period that fits your scenario. Whether you need a short-term business bridging loan or a second mortgage, we structure the loan around your needs.
- Competitive rates: By using your property as security, you can often access lower rates than unsecured options.
- No disruption to existing finance: A second mortgage or caveat loans can sit behind your primary lender, so you don’t need to refinance your main facility.
- Certainty and control: You know exactly what you’re committing to, with clear terms and no hidden surprises.
Bridging Loans: A Practical Solution for Tax Deadlines
Bridging loans are a popular choice for business owners who need to cover a short-term gap—like an ATO payment plan—while waiting for a longer-term solution. For example, you might be selling a property, finalising a major contract, or waiting for a seasonal cash flow boost. A bridging loan lets you settle your ATO payment plan now, then repay the loan when your funds come through.
At Secured Lending, we review your scenario and structure a bridging loan that matches your timeline. You get the certainty of urgent settlement, without locking yourself into a long-term commitment.
Why Work with a Private Lender?
Traditional banks can be slow and inflexible, especially when it comes to urgent tax debts. As a Private Lender in Australia, Secured Lending operates nationwide—Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra—and we’re a non-bank commercial lender. That means we can move quickly, assess your scenario on its merits, and provide solutions that mainstream lenders often can’t.
We don’t require endless paperwork or lengthy approval processes. Instead, we focus on the value of your residential or commercial property, your business goals, and your ability to repay. This approach allows us to offer same day settlement and funding within 24 hours for many secured business loans.
How Secured Lending Supports Your Business
When you’re facing an ATO payment plan, you need more than just funding—you need a partner who understands the stakes. At Secured Lending, we:
- Review your scenario in detail: We look at your property, your business, and your ATO payment plan to recommend the best structure.
- Coordinate with your accountant or adviser: We work as part of your team to ensure the loan fits your broader strategy.
- Confirm timelines and next steps: You get a clear roadmap from application to settlement, with no surprises.
- Arrange urgent settlement: If you need funding within 24 hours, we make it happen—so you can meet your ATO obligations and move forward.
We’ve provided strategic lending advice for ATO payment plans in the past, and we’re ready to help you assess your scenario.
How We Can Help
Secured Lending is here to remove friction and reduce stress when you’re managing an ATO payment plan. We specialise in urgent short-term loan solutions, including bridging finance, second mortgages, and caveat loans. Our team brings calm authority and practical experience to every scenario, so you can move quickly and confidently.
Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
Frequently Asked Questions
1. Can I use my residential or commercial property as security for a loan to pay my ATO payment plan?
Yes, with Secured Lending you can use residential or commercial property as collateral for a secured business loan. We do not accept other types of assets as security.
2. How quickly can I access funds to settle my ATO payment plan?
We specialise in urgent settlement, with same day settlement and funding within 24 hours possible in many cases, depending on your scenario and the property used as security.
3. What types of loans are available for ATO payment plans?
We offer bridging loans, second mortgages, and caveat loans—all secured against property. The right option depends on your needs and timeline.
4. Do you operate Australia-wide?
Yes, as a private lender and non-bank lender, we provide secured business loans across Sydney, Melbourne, Brisbane, Perth, Adelaide, Gold Coast, and Canberra.
5. Will taking a secured loan for my ATO payment plan affect my existing mortgage?
Not necessarily. We can structure a second mortgage or caveat loan that sits behind your primary mortgage, so you don’t need to refinance your main facility.
