ATO Tax Debt Refinancing
Lower repayments. Free up cash flow.
Major Features of ATO Tax Debt Refinancing
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Avoid Penalties & DPNs
Stop late fees and legal action before they hit
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Fast Turnaround
Approvals in as little as 24–48 hours
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No Property Required
Many lenders only require a director’s guarantee
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Improve Cash Flow
Repay over 12–60 months — not all at once
What is
ATO Tax Debt Refinancing?
It pays off your ATO debt upfront — so you can spread repayments over time, not
get crushed by them.
See if this is for you:
- You’ve got a payment plan that’s wrecking your cash flow
- You’re behind and the ATO is chasing hard
- You’re at risk of a Director Penalty Notice
What You Should Know About
ATO Tax Debt Refinancing
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You can refinance even if you’ve defaulted on an ATO plan
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Most lenders pay the ATO directly — no middle steps
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Low-doc options available — often just BAS and bank statements
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We’ll need your ATO portal statement and payment plan details
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How Do ATO Tax Debt Refinancing Work?
Ben runs a fabrication business.
He fell behind on BAS and super — owing $180k.
The ATO gave him a payment plan… but the repayments strangled his cash flow.
Ben couldn’t take on new jobs. Couldn't grow.
We refinanced the debt over 36 months — no property needed, ATO paid directly.
Ben's cash flow bounced back. He cleared the pressure and moved forward.
Pros and Cons of ATO Tax Debt Refinancing
Pros:
- Avoid legal pressure: dodge penalties and DPNs
- Ease the squeeze: lower repayments free up cash
- Get unstuck: access working capital to move forward
Cons:
- Needs reliable revenue: lenders want proof you can repay
- Rates are higher: compared to traditional bank loans
How Much Can I Borrow?
Borrow anywhere from $50,000 up to $5 million — based on:
• Your turnover
• Loan type (secured or unsecured)
• Repayment capacity
Most lenders will cover 100% of your ATO debt — including GST, PAYG, super,
interest, and penalties.
FAQs
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How fast can I get funded?
Some lenders fund within 24 hours — most settle within 1–2 weeks.
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Can I refinance other debts too?
Yes — we can often bundle in credit cards, supplier debt, or other business loans.
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What types of ATO debt can I refinance?
GST, PAYG, income tax, superannuation, interest, and late penalties.
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What if I’ve defaulted on my ATO plan?
That’s common. As long as you’re still trading, we can usually help.
What Clients Say
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“I worked on an urgent, and rather complex funding request through Sean, and it delivered the exact outcome we were after, in a really quick turnaround time, and with incredible post deal follow up and service. I highly recommend working with Sean and I look forward to our next professional engagement with him too.”
Outliving
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“Sean was awesome. He put in so much work to make something that I thought would be possible. Can’t thank you enough mate.”
Green e Building
Worried the ATO might escalate?
Let’s stop it before it turns into legal action—or a Director Penalty Notice.
