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.
10 products from 6 lenders ยท Last checked 24 Sept 2026
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10 products from 6 lenders
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Low doc business loan from $50K to $2M over 1 to 30 years, secured by property, for businesses trading 2+ years with alternative income evidence.
Secured business loan from $50K to $2M over 1 to 30 years for cash flow, stock, property, equipment, buying a business, refinance or tax debt.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Commercial property loan up to $5M over 1 to 30 years for purchase, refinance or tax debt, with full doc and alt doc options.
Short-term funding for the GST on a commercial or SMSF property purchase, added to a Thinktank property loan.
Commercial property loan where paying out ATO debt is part of the purpose. Thinktank lists tax debt as considered.
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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.
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.
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.
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