Commercial finance
ATO Debt Refinance
ATO debt is one of the most expensive liabilities a business can carry, and the General Interest Charge compounds daily. Finstead arranges refinance facilities from our lender panel so you can clear the debt into a single, structured repayment and move on. We act for you, not the lender.
Finstead is a broker, not a lender. We arrange finance from our 100+ lender panel. No cost to get started.
How it works
- 1
You tell us the debt position, the security available and the cash flow picture.
- 2
We assess the file and match it to lenders on our panel who fund ATO positions.
- 3
We arrange a facility, secured or unsecured depending on your circumstances, that clears the ATO balance.
- 4
The ATO is paid out and you make one repayment to the new facility instead of fighting a compounding charge.
Who it suits
- Businesses with a sizeable ATO balance where the GIC is compounding
- Owners whose ATO payment plan has lapsed or is at risk
- Profitable businesses with a short-term tax timing problem
- Companies with property or assets that can support a refinance
Indicative criteria
A guide only. Lending criteria are set by the lender and vary across the panel.
- Trading history and recent activity statements
- Evidence the underlying business is viable
- Security can strengthen terms but is not always required
- A clear plan for the funds and the repayment
Frequently asked questions
In some cases, yes. Finstead arranges both secured and unsecured options from the panel. Where there is no hard security, we source lenders who assess cash flow strength instead.
Related
Related settled deals
Proof, not promises
Recent ato debt refinance and related work arranged by Finstead.
A$1M-1.5M
Construction
Refinanced against commercial property. The ATO was cleared and replaced with a single repayment.
A$1M-1.5M
Retail
Arranged a multi-part facility combining a refinance and an acquisition tranche.