Rev Finance

For Australian business owners carrying ATO debt

Refinance Your ATO Tax Debt Into One Manageable Repayment

Banks run a mile from tax debt. We work with lenders who don't — refinancing ATO debt into a single structured repayment, so the payment plan stops eating your month. You'll hear from us within 10 Minutes of applying. Confidential, no judgement.

Watch first — 60 seconds
Watch: how ATO debt gets refinanced

See where you stand in 60 seconds.

Next step

Book a Free, Confidential Chat

A real broker calls you within the hour. No credit enquiry. No judgement — we've seen it all before.

Which best describes your situation?
Roughly how much is owed to the ATO?
How long has the business been trading?
Where do we send your options?

By continuing you agree to be contacted by Rev Finance about your enquiry. Your details stay confidential. No credit enquiry is made at this stage. See our privacy policy.

Good move. Help is on the way.

Keep an eye on your phone — one of our brokers will call you within the hour during business hours, for a confidential chat about where things stand.

We're finance brokers, not tax agents, and we're not affiliated with the ATO. For advice on your tax position, speak with your accountant — we work alongside them to structure the refinance.

Testimonials

Rated 5.0 from 71 Google reviews

Every review is a verified Google review. See them all on our Google Business Profile.

5.0★★★★★
Based on 71 Google reviews
Read all →
★★★★★

"Julian was great, couldn't recommend him more. It was a very tricky and long process for us as things had to be changed multiple times. Julian was extremely calm and patient throughout. Will definitely be getting Rev Finance to help me out again in the future."

Brianna C.Google review · 5 stars
★★★★★

"Absolute machine. Julian has gone above and beyond to settle my purchase. Very smooth journey from start to the end. Will be definitely returning for future business — thanks Julian."

Ricardo L.Google review · 5 stars
★★★★★

"I had an amazing experience with Rev Finance. Ben and Julian made the whole process quick, easy and completely stress-free. They were clear with communication, always responsive, and genuinely worked to get me the best outcome."

Oliver B.Google review · 5 stars
See my options →

Self check

Does this sound like you?

The letters keep coming and opening the mailbox has stopped being fun

The payment plan eats your cash before the month even starts

Your bank said no the moment tax debt showed up on the file

You just want it rolled into one repayment you can actually plan around

Sounds like me →

Frequently asked

Straight answers, no jargon

Can ATO tax debt actually be refinanced?
Yes. Mainstream banks generally won't touch it, but specialist lenders on our panel will — the tax debt gets paid out at settlement and replaced with a structured business loan, typically secured against property or business assets. One repayment, on terms built around your cash flow.
I'm already on an ATO payment plan — can I still do this?
Usually, yes. Being on a plan doesn't rule you out; in many cases we refinance the remaining balance so the plan is finalised and you're dealing with one lender on one schedule instead.
Why refinance instead of just staying on the payment plan?
A few reasons owners make the switch: the ATO's general interest charge is no longer tax-deductible (from 1 July 2025 — confirm with your accountant what that means for you), payment plans can be inflexible when a slow month hits, and outstanding tax debt sitting on your file can block other finance your business needs. Refinancing turns it into a predictable repayment you can plan around.
Will tax debt stop me getting other finance?
It often does with mainstream lenders — visible ATO debt is a common reason banks decline otherwise healthy businesses. Dealing with it properly can restore your options; we'll tell you honestly what's realistic for your situation on the first call.
My credit isn't great on top of the tax debt. Am I wasting my time?
No. A rough patch on your file doesn't automatically rule you out. We know which lenders will look at the full story, and we can often explain a default away as part of packaging your application.
I don't have up-to-date financials. Is that a problem?
Not necessarily. Low-doc options exist, and where financials are needed we deal with your accountant directly — you're busy running the business, let us do the chasing.
Will enquiring hurt my credit score?
Filling out this form does not trigger a credit enquiry. We only run checks with your permission, once we've talked through your situation.
Is this confidential?
Completely. We're an independent finance broker — not the ATO, not your bank. Your conversation with us stays between you, us, and any lender you choose to proceed with.
What happens after I submit the form?
A broker — a real person, not a call centre — phones you within the hour during business hours for a confidential chat. We look at the debt, the business, and the options, and give you an honest read on the path forward.
See my options →

How it works

Three steps. Off your back for good.

From first click to the ATO paid out.

Step 01

Tell us where things stand

Three questions and your details — takes under a minute. A broker calls you within the hour for a confidential chat about the debt, the business and what you're trying to protect. No judgement, no lectures.

Step 02

We work the panel

We match your situation to the lenders who actually understand tax debt, package the application, and put the story behind the debt in front of them properly — structure, term and security built around your cash flow.

Step 03

The ATO gets paid out

At settlement the tax debt is paid out and replaced with one structured repayment. The letters stop, the plan's finalised, and your month belongs to the business again.

See my options →

Rev Finance · ABN 13 667 870 868 · Credit Representative Number 549563, authorised under Australian Credit Licence [INSERT LICENSEE ACL NUMBER].
This service is for commercial and business purposes only. Consumer credit (regulated by the National Credit Code) is not offered through this page. Rev Finance is not affiliated with, or endorsed by, the Australian Taxation Office, and does not provide tax or accounting advice. Approval and settlement times are indicative and depend on lender criteria, security and your circumstances. Any credit is subject to the credit provider's assessment and approval. This page provides general information only and does not take your personal objectives, financial situation or needs into account.

1300 738 669 [email protected] Privacy Terms

© Rev Finance 2026. All rights reserved.