ATO tax debt finance

Clear the ATO before enforcement does.

Property-backed finance to pay out a company's ATO debt, arranged fast enough to get ahead of a director penalty notice, garnishee or wind-up action.

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Settlement

In days

Loan size

$100K–$10M

Security

1st, 2nd or caveat

Purpose

Business tax debt

Indicative only. As brokers we place your deal with the right private lender; final terms are set by that lender.

Pay out the debt, stop the enforcement, refinance out.

ATO tax debt finance is a loan, secured against property, used to clear a company's debt to the Tax Office before enforcement starts. Aurelius Private are private lending brokers. We arrange it across a panel of private lenders who fund on the security and the exit, not on a clean set of accounts, and who settle in days rather than the weeks a bank takes to say no.

It is business finance for a business debt: PAYG withholding, GST and BAS arrears, company income tax, and the superannuation guarantee charge. Depending on the equity in the property, the debt is cleared with a first mortgage, a second mortgage behind an existing loan, or a caveat where speed matters most. Terms are short and usually interest only, because the loan is a bridge, not a permanent facility.

The exit is the point. Once the ATO is paid out and the company's lodgements are back up to date, the deal refinances to a bank or a longer-term lender at a lower rate. Private money prices above the banks by design, so the question is never whether it is cheap. It is whether clearing the debt now, and stopping a garnishee or a wind-up, is worth more than the interest. When a director penalty notice is running, it usually is.

What it looks like

  • Settles in days, ahead of enforcement deadlines
  • Secured by property: first mortgage, second mortgage or caveat
  • Company tax debt only: PAYG, GST and BAS, income tax, super
  • Facilities from $100,000 to $10 million
  • Interest only and short term, with a refinance exit
  • Available across every state and territory

Who this is for.

A director penalty notice on the clock

A non-lockdown DPN gives you 21 days to act before the debt becomes your personal liability. Paying out the company's PAYG, GST and super clears that exposure. Property-backed finance settles inside the window when a payment plan won't come together in time.

Garnishee or wind-up action

A garnishee notice pulls money straight from the company's bank account or its debtors. A statutory demand or wind-up application is the step before liquidation. Clearing the debt removes the ground the ATO is standing on.

A payment plan that has fallen over

When an arrangement defaults, the ATO can withdraw it and general interest charge keeps compounding. Refinancing the debt out in one move stops the interest and resets the relationship with the Tax Office.

Cleaning up before a refinance

A bank will not refinance a business carrying ATO arrears, and the arrears often show as a default once reported. Clearing the debt first is frequently what makes the bank refinance possible at all.

Recently settled deals.

All settled deals→
“An ATO debt only gets more expensive and more dangerous the longer it sits, and once a director penalty notice is running the clock is real. If there's property behind it, I can usually have a lender paying out the Tax Office in days, then we line up the refinance that clears the private loan. Tell me the debt, the property and any notice you've had, and I'll tell you straight what's possible.”
Rory McGrath
Rory McGrath

Founder and Managing Director, Aurelius Private

Common questions.

Yes, where there is property to secure it and the debt is a business debt. Aurelius Private are brokers: we arrange a loan against your property and use it to clear the ATO in one payment, then structure a refinance exit. It is the fastest way to stop enforcement when a payment plan will not settle in time.
Business only. The finance we arrange is commercial-purpose lending outside the National Consumer Credit Protection Act, for a company or business tax debt: PAYG withholding, GST and BAS, company income tax, and the superannuation guarantee charge. Personal, consumer-purpose tax debt is regulated credit and sits with a licensed consumer broker.
Most deals settle within a few days, and a caveat-backed facility can move in 24 to 72 hours where there is clear equity. The valuation is usually what sets the pace. If you are inside a director penalty notice or a garnishee period, tell us the deadline first so we can work to it.
Almost always, yes. This is secured lending, and property is what lets a private lender fund quickly without a full set of financials. A first mortgage, a second mortgage behind an existing loan, or a caveat can all work, depending on the equity you have and how fast you need it.
Paying out the company's underlying PAYG, GST and super discharges the director penalty for those amounts, because the penalty mirrors the company's debt. That is why clearing the debt inside the 21-day window on a non-lockdown notice is the cleanest way to protect a director personally. Get specific advice on your notice from your accountant or a lawyer as well.
The loan is a bridge, not a permanent facility. Once the ATO is paid and the company's lodgements are current, we work toward a refinance to a bank or a longer-term lender at a lower rate. A clear exit is what makes the deal work, and we map it before you draw the loan, not after.

Tell us about your deal.

Send through the scenario. You’ll hear back the same day with who would fund it and roughly what it costs. If it doesn’t stack up as it stands, we’ll say so and tell you what would need to change.

Submit a scenarioCall 1300 076 410