Private Lending to Pay Out ATO Debt: A Fast, Strategic Solution

gareth150
Aug 4
2 min read

Private Lending ATO Debt - For business owners and self-employed individuals, outstanding ATO tax debt can quickly spiral into a serious problem — especially when it starts to impact credit, cash flow, or financing options.

At Assurity Capital, we regularly help clients pay out ATO debt using private loans, giving them breathing room to get back on track, avoid enforcement action, and prepare for long-term refinancing.

Why ATO Debt Is a Red Flag for Traditional Lenders

Many banks and non-bank lenders won’t approve finance if a borrower has unpaid tax liabilities. Even when a payment plan is in place, it can be seen as a sign of financial distress.

ATO debt can:

Disqualify borrowers from getting a loan
Trigger Director Penalty Notices (DPNs) for company directors
Lead to garnishee notices or wind-up proceedings
Affect cash flow, credit ratings, and supplier relationships

How Private Loans Can Help - Private Lending ATO Debt

Private lending focuses on the strength of the security property and the exit strategy — not the borrower’s credit score or ATO history.

Assurity Capital provides fast, asset-backed loans to help:

Pay out ATO or other statutory debts
Consolidate liabilities into one manageable facility
Protect business continuity and personal liability
Position borrowers for future bank or non-bank refinancing

Common Scenarios We Fund

We’ve assisted borrowers in situations such as:

A business owner needing $400,000 to pay off an ATO payment plan and avoid default
A company director requiring $250,000 to settle an urgent ATO debt and prevent enforcement
A client facing refinance rejection from a major bank due to undisclosed tax debt

In each case, our funding allowed them to retain control, avoid legal consequences, and move forward with refinancing or sale strategies.

What We Offer

Loans from $50,000+
Terms from 3 to 24 months
Residential, commercial or land security
Fast settlements — often in 3–5 days
Flexible structures for companies, trusts, and individuals

The Key Is Acting Early

ATO enforcement action often happens with little warning, and once a garnishee or wind-up notice is issued, options narrow quickly.

That’s why brokers and borrowers turn to Assurity Capital — we understand the urgency and work fast to structure a solution that protects both the borrower and the asset.

Partner With Assurity Capital

If you or your client is facing ATO pressure, don’t wait until it’s too late. Whether it’s a small outstanding balance or a six-figure liability, we can help arrange fast private finance to take control of the situation and buy time for long-term planning. Contact us