Key highlights
- Some lenders consider applicants with a formal ATO payment plan
- A deposit or property behind you can strengthen your case
- Being transparent about the debt helps your application
- Speak to your accountant about managing tax debt
- One broker, 80+ lenders compared — soft-check quote
An outstanding ATO debt is common for busy businesses and doesn't necessarily rule out van finance. What matters is how the debt is being managed. Overdrive compares a panel of 80+ lenders, including some open to applicants with ATO arrangements.
Can you get van finance with ATO debt?
Lenders vary in how they view tax debt. Some decline it outright, while others consider eligible applicants where there is a formal ATO payment plan in place and it is being met. Demonstrating the debt is under control is often the deciding factor, subject to lender criteria.
How do you strengthen an application with ATO debt?
A payment arrangement you are keeping to, a reasonable deposit, or property behind the business can all help. Being transparent about the debt from the start lets a broker point you toward lenders who can actually work with your situation, rather than wasting applications.
Who advises you on managing ATO debt?
How you manage and eventually clear an ATO debt has tax and cash-flow implications, so work with your accountant or registered tax adviser on that side. Financing the van can proceed in parallel with the right lender.
Carrying an ATO debt but need a van? Get an obligation-free quote from Overdrive. It is a soft check that won't affect your credit score, and Simon can identify lenders comfortable with managed arrangements.
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