Finance question
Can I consolidate ATO debt without selling assets?
Often yes. Instead of selling trucks, plant or premises to clear the tax office, you release equity from property you already own and roll the ATO balance into one facility at single-digit rates. The assets keep working while the debt is cleared.
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The short answer
Clear the ATO without losing the tools that earn
Selling a good excavator or a delivery van to pay the tax office is the most expensive way out. You lose the earning capacity, take a fire-sale price, and the business shrinks just when it needs to trade its way clear. A property-backed facility avoids all of that by borrowing against equity you already hold, so the ATO gets paid and the fleet stays on the road.
Because the loan is secured by residential or commercial property, it sits at single-digit rates, closer to a home loan than to the interest the ATO charges. The tax office general interest charge sits well above single-digit rates and compounds daily, so moving the balance onto property security usually lowers the ongoing cost of the debt while it is repaid.
ATO arrears do not automatically stop this. Many property-backed lenders will work with a current tax debt, and on a lot of these deals no up-to-date financials are needed because the equity carries the risk. We structure the facility to clear the ATO in full and, where it helps, fold in other pressing accounts at the same time.
Do you qualify?
What makes an asset-sparing consolidation fundable.
Property with equity
Residential or commercial, held by you or the business.
A known ATO balance
An assessment or statement of account we can size against.
Assets you want to keep
Vehicles, plant or fit-out that still earn for you.
A workable story
Arrears are placed with a lender comfortable with tax debt.
Why refinancing beats a fire sale
The asset stays productive
The machine keeps generating revenue instead of being sold under pressure.
Cheaper than the ATO
Single-digit property-backed rates undercut the daily interest charge on tax debt.
One repayment
The tax balance moves off the ATO ledger onto a single structured facility.
A real example
A landscaping company owes the ATO $180,000 and is told to sell its tipper and mini excavator to pay it. The director owns a home with roughly $500,000 in equity. A property-backed facility clears the tax debt in full, the machines stay working, and the balance is repaid at a single-digit rate. Illustrative only.
Common questions
Frequently asked questions
Do I have to sell equipment to pay the ATO?
Not usually. If you hold property equity, a facility can clear the tax debt while the equipment stays in the business earning.
Will a lender work with a current ATO debt?
Many will, especially when property secures the deal. The tax balance is cleared as part of settling the facility.
Is the rate cheaper than the ATO charge?
Property-backed facilities sit at single-digit rates, which sit below the ATO general interest charge that runs well above single digits and compounds daily.
Do I need up-to-date financials?
On many property-backed deals, no. The equity does the heavy lifting, so limited financials are often enough.