Explore lenders that consider business tax debt. Compare funding amounts, security requirements and terms, or get help understanding your options before you apply.
Tell us about your business. A business finance specialist can help you narrow down your options, saving you time and helping you avoid unnecessary applications.
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Amount
$50K to $10M
Term
Not published
Security
Asset-backed
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Why you're seeing this
What aligns with your search
Worth checking
This explains the search result; it is not an eligibility or approval decision.
Business-purpose loan generally secured against real estate by first or second mortgage, for working capital, expansion, equipment, refinance or tax debt.
Amount
Not published
Term
Not published
Security
Property-secured
Rate
Individual assessment
Repayments
Monthly
Trading
Not published
Rates and other criteria
Rate
Individual assessment
Repayments
Monthly
Trading
Not published
Why you're seeing this
What aligns with your search
Worth checking
This explains the search result; it is not an eligibility or approval decision.
Commercial property loan through brokers, $100,000 to $8 million over up to 30 years, for purchase, refinance, cash out, debt consolidation or ATO debt.
Amount
$100K to $8M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.79%
Max LVR
Up to 80%
Trading
Self-employed: ABN 24+ months and GST 12+ months (Prime); ABN 12+ months and GST 6+ months (Near Prime)
Rates and other criteria
Rate
From 7.79%
Max LVR
Up to 80%
Trading
Self-employed: ABN 24+ months and GST 12+ months (Prime); ABN 12+ months and GST 6+ months (Near Prime)
Why you're seeing this
What aligns with your search
Worth checking
This explains the search result; it is not an eligibility or approval decision.
Commercial property loan for self-employed borrowers with full or alternative income verification, terms up to 30 years, to buy, refinance, pay tax debt or release equity.
Amount
Not published
Term
Up to 30 yrs
Security
Property-secured
Rate
From 8.18% p.a. variable
Max LVR
Up to 75%
Trading
Not published
Rates and other criteria
Rate
From 8.18% p.a. variable
Max LVR
Up to 75%
Trading
Not published
Why you're seeing this
What aligns with your search
Worth checking
This explains the search result; it is not an eligibility or approval decision.
Tell us about your business. A business finance specialist can help you narrow down your options, saving you time and helping you avoid unnecessary applications.
Tax debt is one of the most common reasons Australian businesses look for finance. Paying out an ATO debt with a loan can stop general interest charge (GIC) accruing and remove the risk of the ATO escalating recovery action.
From 1 July 2025, GIC and shortfall interest charge (SIC) are no longer tax deductible, which makes carrying ATO debt more expensive than it used to be. Some lenders will lend with an ATO debt on file, while others will only lend to pay it out.
The lender assesses your business and security, then pays the ATO directly at settlement or advances funds for that purpose. Options range from unsecured tax loans through to property-secured private loans for larger debts.
What lenders look at
Size and age of the ATO debt
Whether a payment plan is in place and being met
Trading performance
Security available
Things to watch
Compare the loan cost with the ATO's current GIC rate.
Lenders view undisclosed ATO debt poorly. Be upfront.
Tax & ATO Finance: common questions
Can I get a loan to pay my ATO debt?
Yes. Several lenders list tax debt as an eligible purpose. Whether you qualify depends on the size of the debt, your trading performance and the security available.
Is ATO interest still tax deductible?
For income years starting on or after 1 July 2025, general interest charge and shortfall interest charge are not deductible. See the ATO for details.
