Tax debt rarely fixes itself
An unpaid BAS can become an ATO payment plan.
Interest continues to accumulate, new liabilities fall due and a temporary cash-flow problem becomes an ongoing burden.
Ignoring tax debt does not make it stand still. Acting early may give your business more time and more options.
Fairlane Finance helps Australian business owners explore commercial finance options to pay or refinance eligible ATO tax debt.
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WHY ACTING EARLY MATTERS
Business tax debt has become more difficult to carry:
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ATO interest incurred from 1 July 2025 is no longer tax deductible.
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The ATO may take recovery action where debts remain unresolved.
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Eligible business tax debts may be disclosed to credit-reporting bureaus.
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Delayed action can reduce the funding options available.
Not every tax debt leads to enforcement. However, the position can become harder to resolve if the business continues accumulating new liabilities.
Can Business Tax Debt Be Refinanced?
Some banks and non-bank lenders may consider finance to pay or refinance business tax debt.
Options may include secured business loans, property-backed finance, cash-flow-based lending or a broader refinance of business liabilities.
Approval depends on the strength of the business, how the debt arose, repayment capacity, available security and whether future tax obligations can be paid on time.
Download the Business Tax Debt Finance Guide
Our complimentary guide explains:
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Why business tax debt has become more urgent
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What may happen when ATO debt remains unresolved
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Finance options that may be available
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What lenders generally assess
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Documents business owners should prepare
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How to compare finance with an ATO payment plan
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Ten questions to answer before seeking funding
Get the Free Business Tax Debt Guide
Enter your details to access the guide immediately.
IMPORTANT DISCLAIMER: The information on this page is general in nature and does not take into account your objectives, financial circumstances or needs. It is not taxation, legal, accounting, insolvency or financial advice. Finance is subject to lender eligibility requirements, credit assessment, terms, conditions, fees and approval. Refinancing may increase the total cost of borrowing or place secured property at risk. Obtain independent professional advice before acting.