Tax debt doesn't end the conversationATO debt refinance, confidential and fast
ATO debt refinance in Australia: typically $50k to $5m at 70–75%, over 3–24 months, settling in 2–7 days once security and entity documents are in hand. A property-backed loan that clears an ATO tax debt or payment plan before a director penalty notice or garnishee escalates it.
- Handled in strict confidenceWhat we bring
- Fast indicative termsWhat we bring
- Can refer to an insolvency practitionerWhat we bring
Indicative terms in three minutes
Business-purpose and investment finance only. No credit check at this stage.
“It's too late to fix this”
We hear this constantly. The honest answer is that it depends on security, exit and documentation — which is exactly what the enquiry form asks — and that the lenders on our panel — banks, private lenders and specialist funds alike — price those three things, not the label on the borrower.
“I don't want anyone finding out” — a fair concern, and one we address in writing before any application is lodged.
“A private lender will just make it worse” — a fair concern, and one we address in writing before any application is lodged.
Typical pain points: DPN deadline is days away; Garnishee notice already issued; Payment plan default about to happen; Bank won't refinance with ATO debt; Worried this becomes personal liability. What we bring: handled in strict confidence, fast indicative terms, can refer to an insolvency practitioner.
How we work.
From the first call to the final drawdown, each step is led by a principal — not a queue.
Tell us the scenario
Purpose, amount, security and timeframe — the qualifier takes about three minutes and every answer maps to how our lender panel assesses ato debt refinance.
Indicative terms
A specialist reviews the scenario and comes back with an indicative structure, pricing range and the documents needed. Urgent scenarios get a call within minutes during business hours.
Credit and valuation
The lender assesses security, entity and exit. For ato debt refinance this is typically 2–7 days end to end.
Settlement
Solicitors settle, funds are released, and the deal is tracked to its exit in our CRM so refinancing or the next facility is ready before the term ends.
Questions we are asked.
Can I get finance to pay off an ATO debt?
Yes, a facility secured against property or business assets can be arranged specifically to clear an ATO debt, often faster than the Tax Office's own payment plan timelines allow. Lenders on our panel see this regularly and assess the underlying business rather than treating tax debt as an automatic decline.
I've received a director penalty notice — is it too late to refinance?
Not necessarily, though the timeline matters, since a DPN carries a fixed response window. Caveat loans and short-term facilities can move quickly enough to meet that deadline where the security and exit are workable; the sooner we're engaged, the more options are available.
Will a lender share my situation with anyone else?
No, this is handled in strict confidence between you, the lender and Solara, in the same way any commercial finance arrangement is. There is no requirement to disclose it beyond what your own accountant or legal adviser already needs to know.
Can I still borrow if I'm on an active ATO payment plan?
Often, yes. Lenders look at whether the plan is being maintained and how the new facility affects overall serviceability, rather than treating an active plan as a bar to lending. In many cases the new facility is used to clear the plan outright.
What security do I need to refinance a tax debt?
Property is the most common security — a caveat, a second mortgage, or occasionally a first mortgage depending on what's already encumbered — though a general security agreement over the business can support smaller amounts. We confirm what's workable once we understand the debt and the assets available.
Should I speak to an insolvency practitioner as well as a lender?
⚠ If the debt has reached the point of a DPN, garnishee action, or real doubt about the business's viability, this is worth raising with a licensed insolvency practitioner alongside arranging finance, since refinancing addresses the immediate debt but not necessarily the underlying position. We can refer you to one on request.
How fast can ato debt refinance settle?
Typically 2–7 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.
How much can I borrow with ato debt refinance?
Our panel typically funds from $50,000 to $5,000,000, at 70–75%. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.
What security is needed?
Caveat, second or first mortgage. The stronger and more liquid the security, the sharper the pricing.
Is this a consumer loan?
No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.
Related finance.
Not quite the right product? Every loan type we arrange.
Most scenarios can be structured more than one way. Browse the alternatives, or tell us the situation and we'll recommend the structure.
Business cash flow
Property-backed
Situational
- ATO debt refinance
- Impaired-credit commercial loans
- Debt restructure & workout loans