Finance question
Can I consolidate business and tax debt together?
Yes. One property-backed facility can clear business debt and ATO tax debt at the same time, rolling both into a single repayment at single-digit rates. Because property secures it, many of these deals settle without full financials.
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The short answer
Two debts, one repayment
Business debt and ATO arrears are often carried separately, at different rates and on different terms, which is hard to manage and expensive to service. A property-backed refinance can fold both into one facility, secured against residential or commercial property, so you make a single repayment instead of juggling several. That structure is usually cheaper to service than the debts sitting apart, and it puts the whole picture on one term you can plan around.
The ATO piece is why many owners look at this. Tax debt is workable when property secures the deal, and the pricing lands in single-digit rates, closer to a home loan than to the interest the ATO charges, which sits well above single-digit rates. Clearing the balance can also lift the weight of a payment plan.
Because property carries the facility, many deals settle without up-to-date financials, and new businesses can qualify without a long ABN history. Ventas is a broker, not a lender, so we structure the consolidation and take it to the lender most likely to approve it, subject to lender assessment. There is no upfront fee to you.
Do you qualify?
What makes a consolidation fundable.
Property to secure it
Residential or commercial equity to back the facility.
An active ABN
Sole traders and companies both qualify.
Debts to combine
Business loans, tax debt and other arrears in one facility.
ATO debt is workable
Arrears do not automatically stop a property-backed deal.
Why one facility beats several
Lower cost to service
Single-digit rates on property security usually beat scattered business and tax debt.
One repayment
Both debts roll into a single facility, so cashflow is easier to plan.
ATO pressure eased
Clearing tax debt can lift a payment plan and the charges that come with it.
A real example
A builder owes $120,000 across a business loan and a BAS bill, both eating into cashflow. With equity in a home, the two are refinanced into one property-backed facility at a single-digit rate, leaving a single monthly repayment in place of several. Illustrative only, subject to valuation.
Common questions
Frequently asked questions
Can I include ATO debt in the consolidation?
Yes. Tax debt is workable when property secures the facility, and it can be combined with business debt in one loan.
Will consolidating lower my rate?
Often. Property-backed facilities sit at single-digit rates, which usually beats the cost of scattered business and tax debt.
Do I need financials to refinance?
For many property-backed deals, no. The equity in your property carries the application.
Can a newer business do this?
Yes. New businesses can qualify without a long ABN history when property secures the deal, subject to lender assessment.