Refinance outstanding tax debt into one structured business loan — settle the ATO, stop interest and penalties stacking up, and repay on terms that suit your cash flow.
Tax debt refinancing rolls what you owe the ATO — GST, PAYG, company tax or an existing payment plan — into a single business loan that pays the balance out in full. Instead of juggling arrears, you make one predictable repayment over an agreed term.
It matters because ATO debt doesn't sit still. The General Interest Charge compounds daily, unpaid amounts can be reported to credit bureaus, and a growing balance can trigger a Director Penalty Notice or garnishee. Refinancing settles the debt now, stops that clock, and keeps the tax office off your back while you trade.
Not every lender will touch tax debt, and the ones that do price it very differently. We connect your profile to the specialist and mainstream funders that genuinely refinance ATO arrears — so you settle fast without overpaying.
Indicative rates for refinancing ATO debt on our panel right now. Pricing depends on the size of the debt, your trading and whether you offer security.
| Lender | From (p.a.) | Amount | Term |
|---|---|---|---|
| Banjo |
Unlock with LoanCheck | $20k – $2M | 6–36 mth |
| GetCapital |
Unlock with LoanCheck | $25k – $500k | 6–36 mth |
| Moula |
Unlock with LoanCheck | $5k – $250k | 6–36 mth |
| Bizcap |
Unlock with LoanCheck | $5k – $400k | 3–24 mth |
Indicative rates for illustration, updated continuously. Your actual rate depends on your business profile, security and lender policy at the time you apply.
Four simple steps from first look to funds in your account — most of it done online in minutes.
Share how much you owe the ATO, whether you're on a plan, plus your revenue. No documents to start.
We return the lenders that refinance tax debt for a business like yours, ranked by real cost.
Compare rate, term and security options and pick the repayment that fits your cash flow.
Your lender settles the debt directly — often within 48 hours — and you repay them monthly.
Tell us your tax debt and business figures. A soft check keeps your credit score untouched.
We compare the lenders that fund ATO debt and rank the ones you qualify for.
Pick your offer and share bank statements plus your ATO position for assessment.
Your lender pays the ATO out in full and you move to one simple monthly repayment.
Compare live offers across 80+ lenders in under a minute. No credit-score impact, no obligation.