Lender Insights

No. ATO general interest charge and shortfall interest charge incurred on or after 1 July 2025 are not deductible. Interest on separate business borrowing used to pay tax may have …

Yes, some commercial lenders may consider finance used to clear ATO debt, subject to lender policy and credit assessment. The business still needs to show viable trading, current l…

Compare total dollars paid and monthly cash flow, not only the headline rates. ATO GIC is 11.43% p.a. for July to September 2026 and is not deductible when incurred from 1 July 202…

An ATO payment plan does not automatically prevent a business loan approval. Lenders may still assess the outstanding tax balance, payment-plan conduct, current lodgements, new tax…

If an ATO payment plan defaults, the arrangement is no longer active and the full overdue balance can become immediately payable. The ATO may take firmer recovery action. Contact t…

If an ATO payment plan defaults, the arrangement is no longer active and the full overdue balance can become immediately payable. The ATO may take firmer recovery action. Contact t…

Yes, some commercial lenders may consider finance used to clear ATO debt, subject to lender policy and credit assessment. The business still needs to show viable trading, current l…

ATO business tax debt is not automatically disclosed to a credit reporting bureau. The ATO may disclose eligible business tax debt where statutory criteria are met, including at le…

Lender Insights Business finance in Australia is not complicated. But it is poorly explained. These guides cover what lenders actually look for, what most applications get wrong, and how to give your business the best po…

A business line of credit in Australia provides access to a revolving credit limit that the business draws from as needed and repays as revenue arrives. Interest accrues only on th…