Who it is for
This is for businesses that are still trading and need a practical review of funding options while tax debt is present.
- Businesses with ATO arrears or a payment arrangement
- Owners trying to reduce pressure before it affects trading
- Businesses with strong current revenue but a past tax build-up
- Operators wanting to understand realistic non-bank options
Common funding uses
Funding connected to ATO debt is usually about stabilising the business and creating breathing room.
- Clearing or reducing tax arrears
- Supporting a payment arrangement while trading continues
- Combining tax pressure with supplier or payroll timing gaps
- Improving working capital after a tax catch-up period
- Refinancing short-term pressure into a clearer structure
What affects eligibility
Tax debt is assessed alongside current turnover, repayment capacity and how the debt arose.
- Current monthly revenue and bank statement conduct
- Size of ATO debt compared with turnover
- Whether a payment arrangement exists and is being maintained
- Recent defaults, director credit issues or dishonours
- Whether the funding plan leaves the business with enough cash flow
What documents are needed
A lender may need more context than a standard working capital request because tax arrears affect risk assessment.
- Recent business bank statements, usually the last 3 to 6 months
- ABN, entity and director details
- Requested amount and a clear funding purpose
- Basic turnover, trading history and contact details
- Current ATO integrated client account or payment arrangement details
- BAS or accountant-prepared context if the arrears are material
Check options
Get a practical view before you apply broadly.
Tell us the funding amount, turnover and purpose. A lending specialist will review what looks realistic and explain the next step if there is a lender fit.