Use equity in your property to clear ATO tax debt and regain control of your cash flow.
Join the Aussie business owners using debt consolidation to break free from the relentless pressure of the ATO and put their tax debt behind them.
- Under a minute
- No documents
- No credit check
How does this process work?
Three stages, from your first conversation with us through to a long term, sustainable outcome.
We assess your position
We review your tax debt and financial position in detail, then identify the most suitable financing and consolidation options for your specific situation. Never a generic solution.
We present your strategy
We put together a strategy using specialist lenders who focus on tax debt consolidation, with a full breakdown of your new position and repayments. Presented within 48 hours of receiving your documentation.
We restructure and refinance
We structure repayments so you can clear the debt as fast as your cash flow allows. Once it's repaid, we help you refinance to a major lender for a lower, long term rate. Most clients settle within three to four weeks.
Same debt. A completely different outcome.
Drag the slider to compare an ATO payment plan with a consolidated repayment. Figures below are a real worked example on a $180,000 tax debt.
*Rate shown is indicative only, not guaranteed, and does not include a comparison rate. Your actual rate depends on your circumstances, security offered and lender assessment.
†Applies where the borrowing relates to your business. Deductibility depends on your circumstances, always confirm with your accountant.
What our clients say
Steven Christodoulos
Steven specialises in helping business owners consolidate ATO tax debt and high interest debt into one manageable, affordable repayment.
Common questions we are asked
Is this actually legal?
Yes, absolutely. There is an entire market of specialist non bank lenders who deal with ATO debt every day and build products specifically for it. It is a completely legitimate and widely used solution, and for a lot of business owners it is the sensible one.
How does it actually work?
We look at your position first. There is a plethora of financing options available, some secured against personal assets, some against business assets, and some unsecured.
We work out which of them you actually qualify for, advise you on what we think is most suitable, then present you with the options so you can choose what works best for you. The ATO is paid out directly at settlement.
What does it cost me?
Researching your situation and presenting you with your financing options is always 100% free. It costs you nothing to find out where you stand.
In any circumstance where a fee does apply, it is discussed with you up front. In some cases, if you choose to proceed, there is a small service fee. Nothing before that point costs you a cent.
How quickly can the ATO be paid out?
We have had settlements completed within three to four weeks. It really comes down to two things: how quickly you can get us the documentation we need, and the lender's own turnaround times at the time.
Do I need to be up to date with my tax returns and BAS?
No. We have helped plenty of clients who were behind on both their tax returns and their business activity statements.
There is a multitude of different ways to verify income, so being behind on lodgements does not close the door. There are still solutions open to you.
What if I am already on an ATO payment plan?
That is fine, and it is good that you are engaged with the ATO. What is worth understanding is that payment plans are rarely sustainable, because the payoff period is so short that the monthly repayments end up high.
A payment plan is great for keeping you afloat and in good standing with the ATO while you sort things out. It is not usually the long term answer, which is exactly why so many business owners look for an alternate way to clear the debt entirely.
Will this hurt my credit file?
We do not lodge anything until there is a clear plan. We hold a 99.2% approval rate because we only submit applications we are extremely confident will be approved.
We have strong relationships with our lenders and can often get an answer on your situation before an application is even lodged. That is one of the real benefits of working with a broker who specialises in ATO tax debt consolidation. Having to shop an application around multiple lenders is very rare for us.