ATO tax debt loans:
a debt notice, not a verdict.
A tax debt notice doesn't mean insolvency, it means you need a plan faster than the ATO's timeline allows. We'll compare 50+ lenders who fund against your trading position, not your tax history, so you can clear the debt on terms that don't strangle your cash flow.
Structured before the ATO escalates
Funding based on how you trade, not the debt itself
Repayments that don't compete with wages or suppliers
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We compare your rates with 50+ lenders
- Why Stryve for ATO tax debt
A Tax Debt Doesn't Mean You've Run Out Of Options.
Most business owners assume an ATO debt closes doors everywhere else, that no bank or lender will look past it. That's not accurate. Lenders assess how your business is trading now, alongside the debt, not instead of it. A payment plan already in motion or a clear repayment history can carry real weight.
We start by understanding where the debt sits and what the ATO's actually asked for, then compare lenders around your real trading position, not just the number on the notice. If the ATO's own payment plan is genuinely the cheaper path, we'll tell you that instead of pushing a loan you don't need.
A debt, not a disqualification
Lenders weigh your trading position alongside the notice, it's one factor, not an automatic decline.
Timing matters more than size
Acting before the ATO escalates often matters more than how much you owe.
Compared against your other options
If the ATO's payment plan already beats what a lender can offer, we'll say so.
How ATO debt funding works in your favour
Faster than the ATO's clock
Structured in days, not the weeks a formal ATO negotiation can take, before penalties or interest keep compounding.
No asset tied to the debt
Funding is based on how your business trades day to day, turnover, cash flow, time in business, not property or equipment put up as security against the debt.
One debt, cleared in full
Settle the ATO in one payment, then repay the loan on terms built around your cash flow, not theirs.
Straight answers on what it costs
Rate, fees and repayment structure explained upfront, so there's no surprise once the ATO's paid out.
ATO payment plan vs a tax debt loan
An ATO payment plan is still a loan, just one from the Tax Office, on its terms. Sometimes it's genuinely the cheaper path, and when it is, we'll say so. Here's how the two compare.
The general interest charge (GIC), which compounds daily and is no longer tax deductible for amounts from 1 July 2025.
A commercial rate priced on your trading position; fixed repayments you can plan around.
The general interest charge (GIC), which compounds daily and is no longer tax deductible for amounts from 1 July 2025.
A commercial rate priced on your trading position; fixed repayments you can plan around.
Stays open with the ATO; a missed instalment can default the plan and reopen enforcement.
Settled with the ATO in full on day one. Your obligation moves to a lender on agreed terms.
Stays open with the ATO; a missed instalment can default the plan and reopen enforcement.
Settled with the ATO in full on day one. Your obligation moves to a lender on agreed terms.
Future BAS and lodgments must stay current or the plan can be cancelled.
Standard loan repayments; the ATO relationship is back to business as usual.
Future BAS and lodgments must stay current or the plan can be cancelled.
Standard loan repayments; the ATO relationship is back to business as usual.
Director penalty exposure continues while amounts stay unpaid.
Clearing the debt removes the exposure attached to it.
Director penalty exposure continues while amounts stay unpaid.
Clearing the debt removes the exposure attached to it.
Plans for larger debts can take weeks of negotiation and evidence.
Often structured within days, most lenders assess bank statements, not your tax history.
Plans for larger debts can take weeks of negotiation and evidence.
Often structured within days, most lenders assess bank statements, not your tax history.
Why Business Owners Choose Stryve
An ATO debt looks different depending on who's assessing it. We compare the market and match you to a lender who reads your situation the right way.
The whole market, not one bank
Your own bank may already know about the debt. We compare lenders who don't.
A payment plan isn't your only move
Staying on the ATO's plan can cost more in the long run, we'll show you the alternative.
Advice before a sales pitch
If refinancing the debt isn't the right call, we'll tell you, even if it means you stick with the ATO.
Not sure refinancing the debt is the right move?
We'll compare it against staying on the ATO's plan too, no obligation.
Book an expert callHow Your ATO Debt Gets Refinanced In 5 Steps
Refinancing an ATO debt moves on a different clock than a standard business loan, the ATO doesn't wait, so neither do we. Here's how we take it from first call to the debt being paid out.
Most ATO refinances settle the debt directly with the Tax Office, so the pressure's off before your new repayments even start.
01
Tell us where things stand
How much is owed, what the ATO's asked for, and any payment plan already in place. This shapes which lenders are worth approaching.
02
Matched to your trading position
Lenders weigh the debt differently depending on your turnover and cash flow. We match you to ones who'll look past the notice.
03
Bank statements, not a negotiation
Most applications run on recent trading history, not a drawn-out back-and-forth with the ATO on your behalf.
04
Offers compared side by side
If more than one lender responds, we lay out the real cost, rate, fees, and repayment structure, against what staying on the ATO's plan would cost you.
05
ATO paid out, loan begins
Once you accept, the debt is settled directly and your new repayments start on terms built around your cash flow.
What our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
