Finance question
Can I refinance ATO debt and supplier debt together?
Often yes. One property-backed facility can roll an ATO balance and your outstanding supplier and trade-creditor accounts into a single repayment at single-digit rates. Instead of juggling the tax office, unpaid subbies and merchant accounts separately, it all becomes one manageable facility.
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The short answer
Pull several pressures into one repayment
When money is tight the same business often has a few fires burning at once, a BAS or PAYG balance with the ATO, unpaid subcontractors, a merchant account on stop-credit and maybe a supplier threatening to hold deliveries. A property-backed consolidation clears all of them at settlement, so the whole pile becomes a single facility with one repayment rather than a dozen phone calls a week.
The consolidation is sized against your property equity, which is why it reaches into the millions if needed and prices in single digits. That matters most for the ATO portion, because the tax office general interest charge sits well above single-digit rates and compounds daily, while overdue supplier accounts can carry their own late fees and choke your supply. Rolling them together usually lowers the blended cost.
Consolidating also repairs relationships. Paying trade creditors in full gets you off stop-credit and back onto normal terms, and clearing the ATO takes the arrears off your file. On many of these deals limited financials are needed because the equity carries the risk, so we can move quickly once the security is confirmed.
Do you qualify?
What makes a combined refinance fundable.
Property equity
The security that sizes and prices the whole facility.
A list of debts
The ATO balance plus supplier and creditor accounts to clear.
Trade creditors
Subbies, merchants and suppliers you want paid out.
One clear target
A number that consolidates the lot in a single settlement.
Why one facility beats many
Blended cost drops
Single-digit property-backed pricing replaces ATO interest and supplier late fees.
Supply restored
Paying creditors in full gets you off stop-credit and back to normal terms.
One repayment to manage
Several deadlines collapse into a single, predictable payment.
A real example
A commercial builder owes the ATO $120,000 in BAS arrears and another $160,000 across unpaid subcontractors and a suspended supplier account. The director owns a home with strong equity. One property-backed facility clears all of it, the subbies are paid, credit is restored, and it is repaid at a single-digit rate. Illustrative only.
Common questions
Frequently asked questions
Can tax and supplier debt go into one loan?
Often yes. A property-backed facility can clear the ATO balance and outstanding creditor accounts at the same settlement.
Does paying suppliers restore my credit terms?
Usually. Clearing trade creditors in full gets you off stop-credit, so you can trade on normal terms again.
Is a blended facility cheaper than the parts?
It often is. Single-digit property-backed pricing typically undercuts the ATO interest charge and supplier late fees combined.
How much detail do you need from me?
A clear list of the debts to clear and the security details. On many deals limited financials are needed because the equity carries the risk.