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.
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
The ATO Overdraft Is About to Get Expensive
Are you treating unpaid tax like a cash flow buffer? From 1 July 2025, interest on ATO debt will no longer be tax deductible. The ATO's General Interest Charge (GIC) is already 11.17%, compounding daily. 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 — making a structured loan the smarter option even at a higher headline rate.
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.
"ATO debt attracts penalty interest that compounds fast. We've helped clients with seven-figure tax positions use property security to clear the debt and stop the bleeding within the same week. The cost of the private facility is almost always less than what the ATO would have extracted in penalties and recovery action."
Gino Tabila
Associate Director
Frequently Asked Questions
Get an indicative offer within hours, not weeks.
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Why Secured Lending?
Case Studies
$3M Working Capital for IT Business Expansion Settled in 2 Business Days
$1.9M Commercial Property Acquisition for Growing Doggy Daycare Business
$1.15M ATO Debt Cleared in 4 Business Days for Prahran Pub Operator
$250K Working Capital for Brisbane Café in 36 Hours
Case Study: Bridging the Payment Gap – How a Short-Term BLOC Saved a Commercial Builder's Project
$1.1M in 72 Hours: How We Helped A Developer Get Back on Track
$450,000 Caveat Loan Against Commercial Property Saved Sydney Café From Insolvency
$1.3M Second Mortgage Helped Bankstown Industrial Borrower Clear Tax Debt and Refinance
Get an indicative offer within hours, not weeks.
No credit check. No obligation.
Why Secured Lending?
Scenarios We Can Help With
Browse our full range of services, industries, locations, and resources to find the right financial solution for your needs.
Our Loan Solutions
Bridging Finance
Short-term funding to bridge the gap between a property purchase and a longer-term finance solution.
First Mortgage
Private first mortgage loans secured against residential, commercial, or industrial property.
Second Mortgage
Unlock equity in your property without refinancing or disturbing your existing first mortgage.
Caveat Loans
Urgent caveat loans secured by property. No need to refinance your existing mortgage.
ATO Tax Debt
Fast funding to help businesses resolve ATO obligations before penalties, garnishees, or director penalty notices escalate.
Debt Consolidation
Roll multiple high-rate facilities into one property-backed loan. Simplify repayments and restore cash flow.
Urgent Business Loans
When timing is critical and banks can't move fast enough, we step in. Property-secured funding for businesses that need an answer today — not next week.
Refinance
Replace an existing loan that is maturing, under pressure, or no longer working. We move fast and lend where banks won't.
