Business funder — not an insolvency firm. No credit check to enquire.
Tax debt loans · Australian business
Owe the ATO? Talk to a funder before you talk to a liquidator.
Funding and straight answers for business tax debt — from people who are not an insolvency firm. We help owners clear what they owe the ATO and keep trading, in control, without the professional fees insolvency brings.
Focused on keeping your business trading and you in control
Upfront about the free options, even when they suit you better than a loan
Happy to work alongside your accountant
We are not
An insolvency firm, liquidator or administrator
A "pre-insolvency" or debt-restructuring adviser
A tax agent negotiating with the ATO for a fee
If funding can clear your ATO debt in a way the business can carry, we'll show you how. If it can't, we'll say so plainly and point you to free help or a registered professional. Talk to us before you sign anything.
The dates and numbers that matter
Urgency should come from facts, not fear. These are the ATO thresholds and deadlines most likely to shape your options — checked against official sources on 4 October 2026.
Three quick questions for a first read. The full ATO debt options checker asks ten and ranks every realistic option — including the free ones where we don't make a cent.
Built on published ATO, ASIC and AFSA rules
Flags deadlines and the director penalty lockdown
Private — nothing leaves your browser
Who we help
Business owners who keep the country running
Tax debt usually builds for ordinary reasons: customers pay late, wages and BAS don't. These are the situations we see most.
We'll tell you about the options where we don't make money
Most tax-debt websites sell one answer. Here's the whole ladder, from cheapest to most drastic. Funding sits in the middle — the right answer for many viable businesses, and the wrong one for some.
Many of the sites that rank for "ATO debt help" are insolvency or "pre-insolvency" businesses whose model is fees for winding up or restructuring companies. Some are excellent, registered professionals. Some aren't. Regulators have published clear warning signs — and we think every business owner should know them before picking up the phone.
Keep trading. Stay in control. Skip the professional fees.
We're a genuine private business funder. Over the years we've helped a great many small business owners through the tax-debt headache with both guidance and funding — including businesses that had been told they couldn't be saved.
Formal insolvency is sometimes the right answer, but it's never cheap: legal and professional fees can run to tens or even hundreds of thousands of dollars, and ASIC's own data shows median restructuring-stage fees of around $16,000 and average liquidator fees of around $18,000 for smaller companies — before anything reaches creditors. For a viable business, paying the ATO in full keeps everything you've built.
Property-secured business loans from $20,000 to $5,000,000 — first mortgages, second mortgages and caveat loans over residential or commercial property.
Unsecured
Unsecured and cash-flow options for trading businesses, typically $5,000 to $500,000, sized on turnover and bank statements.
Speed where it counts
Funding possible in as little as 24 hours for property-secured loans. We move quickly because tax deadlines are real.
Straight to the ATO
Where it's arranged at settlement, funds can be paid straight to the ATO.
How it works
Talk to us before you sign anything
Four calm steps from first question to a nil ATO balance.
1
Tell us the situation
A 60-second enquiry: what's owed, what kind of tax, any notices, any property. No credit check.
2
A real person calls
Deadlines first — DPN dates, lockdown status, demands. Then whether funding genuinely fits, or something free does.
3
Documents and approval
ATO statement, bank statements, ID and property details if secured. Total cost in writing before you sign.
4
Settlement and clean-up
Where arranged, the ATO is paid directly. Then confirm a nil balance and ask for any garnishee to be withdrawn.
No. Tax Debt Loans is a business funder. We don't put companies into liquidation or administration, and we don't sell restructures. If funding isn't right for you, we'll say so and point you to free help or a registered professional.
Can I get a loan to pay my ATO debt?
Often, yes. Property-secured loans run from $20,000 to $5,000,000; unsecured options for trading businesses typically $5,000 to $500,000, sized on turnover and bank statements. ATO debt and past credit issues are considered case by case.
Will you pay the ATO directly?
Where it's arranged at settlement, funds can be paid straight to the ATO using your payment reference number, with any balance going to the business. We confirm the arrangement before settlement.
How quickly can funding happen?
For property-secured loans, funding is possible in as little as 24 hours once the lender has everything it needs. We move quickly because tax deadlines are real, but we never promise a date we can't control.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A check only happens if you decide to go ahead with an application.
Should I just go on an ATO payment plan instead?
Sometimes that's the right answer, especially for modest debts or if you qualify for the interest-free plan. A plan doesn't remit director penalties, though, and GIC from 1 July 2025 isn't deductible. Our payment plan vs loan tool helps you compare.
What if I've received a director penalty notice?
You have 21 days from the date the ATO posted it to your ASIC-registered address. If any GST or PAYG withholding was reported more than three months late, only payment in full remits the penalty for those amounts. Talk to your accountant and to us early in the 21 days.
Someone called me offering to fix my ATO debt. Should I trust them?
Check before you engage. ASIC says the pre-insolvency industry is unregulated, and the ATO warns about advisers who contact you after court action or charge a percentage of your debt. Verify registration on the ASIC or TPB registers and get advice in writing.
Tell us what you owe and which notices you have. A real person calls you back with honest options — funding where it fits, free help where it doesn't. No credit check to enquire.
