ATO Debt Relief Loans for Australian Business Owners
Fast, flexible ATO debt relief loan to settle your tax obligations, avoid penalties, and improve your business’s cash flow.
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Funding from $250k
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Short 3 – 36 month terms
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First or second mortgage options
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Ideal for clearing ATO tax debts, avoiding penalties and interest, and avoid enforcement action
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Why ATO debt loans are a good option
Are you an Australian business owner struggling with outstanding ATO tax debts and unable to secure an ATO payment plan or bank finance? Many business owners are unable to access ATO payment plans due to:
- Missed lodgements or late BAS filings
- Previous defaults on ATO arrangements
- Multiple outstanding tax types (PAYG, GST, Super)
- Cash flow challenges affecting repayment ability
- Enforcement notices already issued by the ATO
If your business faces any of these issues, a private ATO debt relief loan can provide the funds needed to settle your debts quickly.
How an ATO Debt Relief Loan Works
Our loans are designed to simplify your tax obligations:
- Lump sum payment directly to the ATO to clear outstanding debts
- Stops penalties and interest accumulation immediately
- Converts complex tax debt into manageable loan with prepaid term to suit cashflow
- Flexible repayment options, including interest-only arrangements if required
- Assessment focuses on your business exit strategy and overall asset position, not just past tax compliance
- Can be consolidated with other debts for simplicity of repayments
Who Is This Loan For?
Our ATO debt relief loans are ideal for:
- Australian SMEs with outstanding ATO debts
- Business owners declined by the ATO for payment plan
- Businesses unable to secure a bank loan due to ATO debt
- Companies facing enforcement action, interest, or penalties
- Borrowers with business or personal equity but temporary cash flow issues
Common ATO Debts We Can Help Pay
We can assist with funding for:
- PAYG withholding tax arrears
- GST and BAS arrears
- Income tax liabilities
- Superannuation guarantee charges
- Any other ATO liabilities that require immediate settlement
How We Help Australian Business Owners
Our loans are designed to provide fast access to capital, allowing you to:
- Avoid escalating penalties and interest
- Protect business operations
- Retain control of your company without ATO intervention
Why Business Owners Choose Private Mortgages Australia
Fast settlements
Flexible terms
(3–36 months)
Up to 75% LVR
Up to $5 Million
Response time of
4
business hours
10+ years of private
lending expertise
How it works
Submit a scenario via the Quick-App form
Receive Indicative Offer
Formal Offer & Settlement (within 5 days)
We have a guaranteed response time of 4 business hours after receiving your Quick-App. Upon return of the fully executed documents the approval fee, legal costs and prepaid interest are deducted from the loan and the balance is paid to the borrower.
Brokers & Referrers: Earn Fees on Successful Deals
If you’re a broker or a referrer you can earn generous referrer fees when you introduce qualified borrowers.
Referrer fees paid within 24 hours of settlement - no clawbacks!
Your commission is guaranteed.
Transparent process and communication throughout.
If you have a client in need of finance, get in touch to find out how we can help and what you could earn by referring the scenario to us.
Case Study: Clearing ATO Tax Debt for Property Developers
Client: Queensland-based business owners with outstanding ATO tax debt, unable to secure bank finance due to their tax position.
Challenge:
The business had accumulated significant ATO liabilities, restricting cash flow and resulting in bank loan declines. Without an approved ATO payment plan, penalties and interest were continuing to accrue.
Solution:
Private Mortgages Australia provided a fast, asset-backed ATO debt relief loan, secured by an industrial property. The funding allowed the borrowers to fully settle their ATO debt, immediately stopping penalties and interest.
- Prepare updated financials while operating the restaurant
- Refinance to a mainstream lender once financials were completed
This strategy enabled them to move forward with their business purchase without waiting for traditional finance approval.
Loan Summary
- Loan amount: $590,000
- Security: Industrial property
- LVR: 28.99%
- Term: Short-term first mortgage
Outcome:
The ATO debt was cleared quickly, restoring financial stability and giving the business a clear pathway to refinance once their tax position improved.
Do you have a scenario you want to discuss now?
We’ll respond in 4 business hours.
Client Success Stories & Testimonials
★ ★ ★ ★ ★
Had a great experience working with PMA. The process was smooth, communication was clear, and they were professional throughout. We were able to get the clients settled on time, and I look forward to working together again in the future....
Anna N. - Projectmore
2024-10-14 16:47:41
★ ★ ★ ★ ★
Our sincerest gratitude to Peter, Shanta, Gerry and the team at Private Mortgages Australia. Their financing solutions have enabled us and our business Kullcorp Precast to continue development of our world first Low Carbon Concrete (LCC) precast concrete panel business here in Moss Vale, NSW....
Geoff Kull - Repeat Borrower
2021-04-06 04:57:06
★ ★ ★ ★ ★
As a Finance Broker I have found the team at Private Mortgages to be quick, responsive and practical in supporting my clients finance needs. Quite refreshing to have a lender working so positively to achieve an outcome satisfactory to all parties....
Rod - Melbourne, VIC
2026-09-04 15:19:11
★ ★ ★ ★ ★
Great service, clear and open communication and easy to deal with. Very happy to recommend....
Cameron Heap - Repeat Borrower - Victoria
2022-09-16 01:07:37
Have more questions?
Book a call with one of our Relationship Managers and they can further explain the lending process and how the referral fee structure works.
Meet the team
Dushen Tissera
Dushen has a holistic understanding of the credit process from start to finish and is able to ensure that our loans are all in line with the customers and investors requirements.
Phone: 0477 509 779
Brendan Barry-Murphy
With a remarkable career spanning over 30 years at the Commonwealth Bank of Australia and experience as a mortgage broker, Brendan brings a wealth of knowledge and an insider’s perspective on what brokers and clients need most.
Phone: 0427 981 081
Our Relationship Managers will walk both brokers and borrowers through the entire process, from initial application to settlement.
