Urgent ATO Tax Debt Finance, Funded Fast

Paying the ATO may remove the reason for the default, but only the bank can confirm that. Ask your solicitor to check what the loan agreement says and to get the bank's answer in writing, because the bank may also ask for the whole loan to be repaid. We can refinance the bank and clear the ATO debt in one loan, from 9.7% p.a., within 70% of the property's value. Our loan repays the bank at settlement, and the rest is paid to your business, which pays the ATO in full. Send us the default notice, the ATO statement of account and the bank's payout figure.

• →Refinancing a lender that has issued a default notice

It is, for the amount the company pays. Estimated amounts of goods and services tax are treated as never reported under the director penalty rules, so the company paying that liability in full is the only way to have the matching director penalty remitted. Ask your accountant how lodging the outstanding BAS returns would change the figure, and give us both numbers on the first call. The company is the borrower and receives the loan funds, then pays the ATO itself.

• →director penalty notice loans

Not on the warehouse alone. Our maximum is 70% of the property value across all mortgages: 70% of $1.1 million is $770,000, and with $500,000 owing to the bank that leaves about $270,000, which is $150,000 short of the ATO balance. The gap can be closed by adding a second property, such as a director's home, as additional security within the same 70% limit, or by the company paying the remaining $150,000 from another source. Send us both property addresses and the loan balances and our valuers will confirm the figures.

No. A live ATO debt is not on its own a reason we decline. We assess the property, the equity inside 70% of its value, and how the loan will be repaid. Where the equity is there, the company can borrow, pay the ATO the full $600,000 itself, and then approach the bank without the ATO debt on file. Our tax debt loans start from 9.7% p.a., and your accountant can set that rate beside the general interest charge the plan keeps accruing.

About $284 a day at the current rate. The general interest charge is 11.51% a year for October to December 2026 and compounds daily, so over 60 days it adds roughly $17,000 to a $900,000 balance, and since 1 July 2025 it cannot be claimed as a tax deduction. We decide in hours and can settle within 24 hours where the property and the exit are in place. The company pays the ATO from the loan funds, and the bank refinance, once approved, repays us.

Yes. A garnishee notice can require customers who owe the business money to pay the ATO instead, and no obligation continues once the debt named in the notice has been paid in full. Ask your accountant to confirm with the ATO that each customer has been told the debt is paid before your next invoices go out. We can still lend after a garnishee notice has been issued.

Yes. When the company pays its debt, each director's penalty for that debt is reduced by the same amount, so the debt is paid once, not once for each director. The company is the borrower and receives the loan funds, your home is the property that secures the loan, and the company pays the ATO itself. The 21 days on a director penalty notice start when the ATO sends it, so call us early in that period.

• →how a director penalty notice works

It is worth calling us now. The ATO sends a warning letter before it issues a garnishee notice, and paying the debt in full at that stage avoids that collection action. A loan arranged before any notice arrives leaves more time for the valuation and the paperwork. Have your accountant send us the current ATO balance and a copy of the letter.

• →urgent ATO debt loans

It can, where the property has the equity and the sale is documented. A signed sale agreement with a completion date is the kind of exit evidence we look for, and six weeks gives us time to value the property and settle. The company receives the loan funds and pays the ATO itself, and the loan is repaid from the sale proceeds at completion. Send us the sale agreement and the ATO balance on the first call.

It can, in some cases. A payment made while a company is insolvent can sometimes be recovered by a liquidator as an unfair preference. Before the company borrows, ask an insolvency adviser or your accountant whether it is solvent and what the payment means for the directors. We are a lender and do not give that advice, but we are glad to work alongside your adviser on the loan.

Yes. The loan can be $250,000 where the property carries it inside 70% of its value, and the $70,000 left after the ATO is paid can be used for another business purpose, such as working capital or overdue super. The company receives the full amount, pays the ATO $180,000 itself, and repays us through a defined exit, such as a refinance or the sale of a property.

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.

This is one of the most common situations we see, and a genuine catch-22. A private second mortgage or first mortgage loan breaks the cycle. You borrow against the equity in your property, clear the ATO debt immediately, and then approach your bank from a clean position. In many cases, borrowers are back with a bank product within 6–12 months at significantly lower rates.

Yes. We assess the strength of your property security and whether clearing the debt puts the business back on a viable footing, rather than reading a credit score and stopping there. Defaults, judgments and a long-running ATO position are all normal on the files we fund. The property needs enough equity inside 70% LVR to carry the loan, and we need to see what repays us.

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.

Unpaid ATO tax debts can trigger serious consequences: interest charges, garnishee notices, director penalty notices (DPNs), and legal action. The longer the debt remains unresolved, the more limited your options become. Acting early preserves your choices.

Not for us. A reported business tax debt closes off banks and trade insurers at the same time, which is usually why people call. To us it confirms the debt is real and needs clearing, and that is the loan. Once the ATO is paid, the report stops compounding the damage. The assessment still comes down to property equity inside 70% LVR and a credible exit.

Start with the date on the notice, because each type has a fixed time limit. We have a page for each ATO notice and deadline, explaining what we can fund before that date.

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