ATO Debt Refinance For Australian Businesses
Is Your ATO Payment Plan Putting Pressure on Business Cash Flow?
Explore whether eligible ATO debt could be refinanced into a structured business facility with repayments potentially spread over up to five years. Lendcap can assess the position, compare appropriate lenders and help create a practical pathway forward.
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Confidential, obligation-free initial review
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CPA-led commercial finance guidance
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Options for eligible businesses across Australia
CPA-led support · Melbourne-based · Supporting Eligible Businesses in Australia
O 1 — CALCULATOR
Understand the Best ATO Repayment Structure For You
Enter the ATO debt balance, monthly payments, current remaining term, and comparison term so we can create a tailor-fit plan based on your position
O 2 — WHY ACTING MATTERS NOW
ATO Interest Is No Longer Tax Deductible
From 1 July 2025, ATO general interest charge and shortfall interest charge incurred from that date can no longer be claimed as tax deductions. Interest may continue to accrue while a payment plan is active, increasing the importance of reviewing whether the current arrangement remains sustainable.
ATO payment arrangements are assessed individually. Some businesses face relatively short repayment profiles, often around 24 months in commercial scenarios, which can place significant pressure on working capital. Do not describe 24 months as a universal ATO rule.
O 2— WHAT AN EXTENDED STRUCTURE MAY CHANGE
Understand The Best Refinance Structure For Your Business
For an eligible business, a specialist lender may be able to refinance ATO debt into a separate business facility with a term of up to five years. A longer term may reduce scheduled monthly repayments and create room to meet current tax, payroll, supplier and operating commitments.
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Potentially lower scheduled monthly repayments
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A defined repayment pathway
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Improved cash-flow forecasting
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Potential consolidation of selected eligible business debts
A strategy to strengthen the business before seeking major-bank refinance
Important: Refinancing is not suitable for every business. The facility must be affordable and should address the cause of the tax debt, not merely move it.
O 3 — COMPARISON
Illustrative Payment Comparison
This simple comparison excludes interest, establishment fees, ongoing charges, tax effects and timing differences. It is not a quote or credit offer. Actual repayments depend on lender terms and credit assessment.
O 5 — THE LENDCAP PROCESS
How Lendcap helps
Understand
the position
We review the ATO balance, payment arrangement, cash-flow pressure and the circumstances that created the debt.
Assess suitable structures
We consider repayment capacity, trading performance, security and lender eligibility.
Present the application
We coordinate the information required and can work with your accountant to present a clear funding strategy.
Plan the way forward
Where appropriate, we help build a strategy for stabilisation and a potential future transition to a major lender.
O 6 — BUSINESS SUITABILITY
Who This May Suit
Established Australian businesses with an existing ATO liability
Businesses currently maintaining—or under pressure from—an ATO payment plan
Businesses with sufficient cash flow to service a restructured facility
Owners prepared to provide current financials, ATO statements and debt explanation
Businesses seeking a coordinated finance strategy with their accountant or adviser
This may not suit businesses that cannot meet current tax obligations, have no viable repayment capacity or require insolvency advice. Those businesses should obtain appropriate accounting, restructuring, legal or insolvency advice promptly.
O 7 — SPECIALIST LENDER SUPPORT
Why Lendcap
Lendcap Group is a Melbourne-based commercial finance brokerage assisting businesses across Victoria and Australia. Led by a CPA-qualified adviser with major-bank corporate-banking experience, Lendcap helps business owners navigate lender requirements, structure applications and consider both immediate cash-flow needs and the longer-term finance strategy.
General advice disclaimer
The information and calculator on this page are general and illustrative in nature. They do not take into account your objectives, financial situation or needs and should not be considered financial, tax, accounting or legal advice. Calculator results are estimates based solely on the information entered. They are not a quote, approval, recommendation or offer of finance. Actual eligibility, advance rates, fees, interest rates, facility limits, approval times and conditions vary between lenders and applicants. Finance is subject to application, lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges apply. Lendcap may receive fees or commissions in connection with finance arranged through participating lenders. Relevant fees and commissions should be disclosed before you proceed.