Tax Debt Finance
We're trusted tax debt finance brokers, helping ABN holders, businesses and owner-operators secure tax debt loans with fast approvals up to $500,000. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Tax Debt Finance — Clear Your ATO Debt Fast
Outstanding ATO tax debt accrues high interest and can trigger enforcement action. Tax debt finance lets you pay the ATO immediately and replace the debt with a structured loan at a much lower rate.
Overdrive Funding compares 80+ lenders including specialist ATO debt finance providers to find the most competitive rate for your business — often lower than the ATO's own payment plan interest rate.
Tax debt finance available from $10,000 to $2,000,000+. Unsecured options available. Approvals often within 48 hours. No property security required for eligible businesses.
Get in touch with Simon for a free tax debt finance quote.
ATO Debts We Can Finance
Tax debt finance covers:
- Overdue GST
- PAYG withholding arrears
- Income tax debts
- Superannuation guarantee charge
- BAS arrears
- ATO payment plan replacement
ATO Debts We Can Finance
Tax debt finance covers:
- Overdue GST
- PAYG withholding arrears
- Income tax debts
- Superannuation guarantee charge
- BAS arrears
- ATO payment plan replacement
Same-Day Tax Debt Finance — Fast Approvals
When cash flow can't wait, speed matters. We submit tax debt finance applications in the format each lender's credit team expects, cutting processing time and avoiding unnecessary back-and-forth.
Simple deals with 6+ months of trading history can receive same-day approval. With decisions available in as little as 24 hours and funds released within 1–2 business days, you won't lose an opportunity waiting on a bank. Subject to lender approval.
Send us your details and we'll confirm your borrowing capacity, rate and estimated repayments upfront — at no cost and no obligation.
Why Use a Business Finance Broker?
A broker compares tax debt finance options across major banks, non-bank lenders and specialist funders — so you get a competitive rate without applying to multiple lenders and damaging your credit file.
What can a broker offer that a bank cannot?
New ABN & Low Doc
Tax Debt available from day one of your ABN, with low doc options up to $500k without full financial statements for eligible applicants.
All Credit Profiles
Solutions for businesses with defaults, past credit issues or circumstances that fall outside standard bank lending criteria.
Unsecured Options
Many tax debt finance products require no property or asset security — borrow based on your cash flow and trading history.
Multiple Lenders, One Application
We match your tax debt finance profile to the right lender first time. No scatter-gun applications, no multiple credit enquiries on your file.
Cash Flow–Based Lending
Approval is based on your business revenue and bank statements, not just assets or property equity — which opens doors banks won't.
Speed
Applications submitted in the format a particular credit team expects move faster. Same-day approvals are achievable on straightforward deals.
Protecting Your Credit File
A broker who knows which lender fits submits once. Multiple enquiries in a short window can work against you — we avoid that.
Preserving Your Bank Facilities
Arranging tax debt finance through a non-bank lender keeps your overdraft and other bank lines free for day-to-day operations.
Structuring Options
Loan term, repayment frequency and draw-down structure shaped around your cash flow cycle rather than a standard template.
Benefits of Tax Debt Finance
A selection of options available for this type of finance.
Why Choose Us?
A selection of options available for this type of finance.
- 100% free service — no hidden fees or costs, ever
- 30+ years experience and industry knowledge
- Australian family-owned and operated
- We save every client hundreds to thousands of dollars
- No wait times, direct access to Simon every time
- We can beat bank, dealer and competitor quotes
- We guarantee clear title transfer
- We protect what matters—your credit score
- We build trust by being honest and transparent
- Established, new and 1 day ABNs
- Expert and strategic negotiation approach
- Solutions for various credit profiles
- Tax benefits (asset depreciation)
- Built a loyal client base due to our rates & service
- Support for the lifetime of your business
Can't Be Beaten On Price Or Service
Looking for the best deal on tax debt finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Industries
How Every Industry Benefits from ATO Tax Debt Refinancing
ATO debt can threaten any business — refinancing replaces high-interest ATO charges with a structured loan, stopping penalties and restoring cash flow across every sector.
Transport & Logistics
Construction & Civil
Agriculture & Farming
Forestry & Logging
Mining & Quarrying
Manufacturing, Woodworking & Mechanical
Professional Services
Retail
Trades
Food & Beverage
Business Services
Disability Services
Property Services
Technology Services
Healthcare
Fitness & Recreation
What To Expect When Working With Us
Our Simple Process
From your first enquiry to finance approval, settlement and ongoing support — no call centres, no handovers, no unnecessary paperwork.
- 01
Tell Us Your Situation
Share your ATO debt details and business profile. We'll assess your situation and identify the most appropriate tax debt finance options quickly.
- 02
We Source A Solution
We compare options from our panel of lenders experienced in tax debt funding to find competitive rates and terms that suit your repayment capacity.
- 03
Approval & ATO Clearance
Once approved, we manage the process to ensure your ATO liability is cleared promptly and your repayment schedule is set up correctly.
- 04
Ongoing Support
We remain available to assist with any future tax obligations, cash flow planning, or additional business finance needs.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Tax Debt Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
Can I get a loan to pay out my ATO tax debt?
Yes — a tax debt loan lets you clear your ATO balance in one payment and repay a lender over a set term instead. Because we compare a wide panel of lenders, we can find one comfortable financing ATO debt, which many mainstream banks shy away from. Simon works through your numbers with you to make sure the repayments genuinely fit your cash flow.
Why not just use an ATO payment plan?
ATO payment plans still attract the General Interest Charge (GIC), which compounds daily — currently sitting above 11% p.a. — so the debt keeps growing while you pay it down. From 1 July 2025 the GIC is also no longer tax-deductible, making it a more expensive way to carry debt. A commercial loan often works out cheaper and gives you certainty over repayments, though your accountant should confirm what suits you.
Is the interest on a tax debt loan tax-deductible?
Interest on a loan used for genuine business purposes is generally deductible, unlike the ATO's GIC on debts from 1 July 2025 onward. That difference can meaningfully change the real cost of carrying your debt. This is subject to professional advice, so it's always worth confirming the specifics with your accountant.
Will paying out my ATO debt protect my credit?
The ATO can disclose business tax debts over $100,000 that are more than 90 days overdue to credit reporting bureaus, which can affect your ability to borrow. Clearing the debt with finance removes that risk and keeps your ATO account in good standing. Acting early — before the debt is reported — gives you the most options.
How much can I borrow and what are the terms?
Loan amounts typically range from around $10,000 up to several hundred thousand or more, depending on your turnover and security. Terms usually run from a few months up to 3–5 years, and can be secured or unsecured. Simon tailors the structure to your situation rather than forcing you into a one-size-fits-all product.
Do I need to provide security or property?
Not always — many tax debt loans are unsecured and assessed on your business cash flow and trading history. Offering security such as property can unlock larger amounts and sharper rates, but it isn't essential for every deal. We match you to lenders whose criteria suit what you're able to offer.
How much does your service cost me?
Our service is free to you — we're paid a commission by the lender when your loan settles, not by you. That means you get access to a wide panel of lenders and Simon's guidance at no direct cost. We're always upfront about how we're paid so there are no surprises.
Is a deposit required?
No deposit is required for eligible ABN holders with a strong credit and trading profile. A deposit can help improve your rate or secure approval if your credit profile is less straightforward.
Can I finance a used asset?
Yes. Finance is available for new and used assets. Age limits vary by lender and asset type. We identify the right lender for your specific asset.
How quickly can I get approved?
Most applications receive a decision within 24–48 hours. Once approved, your pre-approval is valid for 90 days.
Can I get low doc finance?
Yes. Low doc (no financial statements) finance is available up to $500,000 for eligible ABN holders. We typically need your ABN, driver's licence and bank statements.
Can I finance from a private seller?
Yes. We arrange finance for assets purchased from private sellers anywhere in Australia. The lender pays the seller directly on settlement.
Can I finance with bad credit?
Yes. Specialist lenders on our panel consider applicants with a range of credit profiles, including those who have been declined by banks.
What is the typical loan term?
Loan terms typically range from 2 to 7 years depending on the asset type, value and your cash flow requirements.
Can I refinance existing finance?
Yes. Refinancing can reduce your rate, lower repayments or release equity. We compare refinance options across 80+ lenders.
Are repayments tax-deductible?
Interest repayments under a chattel mortgage are tax-deductible. You can also claim depreciation on the asset and GST upfront. Speak with your accountant about your specific situation.
Is insurance required?
Yes. Most lenders require comprehensive insurance before settlement. We can assist with arranging cover.
Can I use a balloon payment?
Yes. A balloon payment reduces monthly repayments by deferring a lump sum to the end of the term. We size it to match the asset's expected resale value.
Does applying affect my credit score?
No. Submitting an enquiry with us doesn't affect your credit score. We only proceed to a formal credit application with your explicit approval.
What is the minimum loan amount?
Most lenders have a minimum of $10,000–$20,000 for asset finance. We'll confirm the minimum for your specific asset type.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
