Refinance Your Tax Debt and Regain Financial Control
Clear ATO Debt, Improve Cash Flow, and Focus on Your Business
If you’re overwhelmed by ATO tax debt, you’re not alone. Many business owners and individuals face tax pressure from missed BAS, PAYG, or income tax payments – often during challenging times. At The Lending Circle, we specialise in refinancing tax debt, helping you regain control without needing to sell assets, drain savings, or take on more work.
With access to over 40 lenders, we know which banks and specialist lenders will consider your situation – even when the big banks won’t.
Refinance Your Tax Debt into One Manageable Repayment
We help you consolidate tax debt into your home loan or another secured facility, reducing your interest rate and simplifying your finances.
For business owners: Interest on loans used to refinance ATO tax debt is generally tax-deductible, unlike interest on a tax office payment plan. That means you can manage repayments and improve your tax position at the same time.
Why Refinance ATO Debt?
- Avoid mounting interest and penalties
- Prevent legal action or garnishee notices
- Improve your business or household cash flow
- Avoid business disruption or forced asset sales
- Move forward with confidence and financial clarity
Use Home Equity to Pay Off ATO Debt
Even if your current lender says no, we work with funders that are open to helping you refinance tax debt using equity in your home or investment property.
- Release equity to repay tax obligations
- Consolidate tax and personal debts into one lower repayment
- Avoid legal action or business interruption
- Improve cash flow and gain peace of mind
Client Scenario: Mark & Susan – Business Owners in Victoria
Situation:
Mark and Susan owed $19,278 to the ATO, and were paying a total of $6,643 per month across their existing debts. Cash flow was tight, and they were concerned about possible enforcement action.
Solution:
We refinanced their home loan and consolidated their tax debt into one structured facility.
Outcome:
- New monthly repayment: $4,621
- Monthly cash flow improvement: $2,022
- Tax debt cleared within 30 days
- $49,139 equity released for home renovations
- Interest on ATO portion now tax-deductible for their business
Our 3-Step Process
1. Financial Review
We assess your current debts, cash flow, loan structures, and equity position.
2. Strategic Restructuring
We recommend and implement a refinancing strategy that clears your tax debt and improves cash flow — tailored to your business and financial goals.
3. Long-Term Support
We help you stay on track using offset accounts, loan structuring strategies, and proactive support to reduce stress and loan costs long term.
Why The Lending Circle
Fully licensed and ASIC-accredited
Access to 40+ banks and specialist lenders
Over 25 years of experience in lending, property, and small business finance
Experts in refinancing tax debt, managing cash flow, and structuring loans for business owners, tradies, and professionals
Personalised service with a focus on long-term outcomes
Take the First Step Towards Financial Relief
Book a free, no-obligation call with Domarina Pireh, Founder and Managing Director of The Lending Circle.
Together, we’ll create a clear plan to eliminate your ATO debt, improve your cash flow, and give you back control of your finances – without selling your home or working longer hours.