Tax debt piling up? The ATO won’t wait, and neither do we. Release the cash in an asset the business, a director or a third party owns, and clear the debt. Funding typically takes 24 to 48 hours once the asset is secured.
Paying the ATO by credit card? See how to pay the ATO without a credit card. Facing a Director Penalty Notice? See DPN funding. New to this? Read what asset-based lending is, or see why every business needs a plan B.
We don’t negotiate with the ATO, give tax advice or set up payment plans. We give you a way to release equity from an asset the business, a director or a third party already owns, so you can pay the debt and get the time you need.
When you’re out of time, you’re not out of options.
For advice on your tax position, speak to your accountant or a tax professional. Accountants and advisors can refer a client through our accountants and advisors page.
The asset can be owned by the business, by a director personally or by a third party, as long as it is owned outright or mostly paid off, ownership is clear and we can secure against it. How we secure it depends on the asset.
If the asset earns for the business, such as a truck, van or machine, we secure it with a GPS tracker and you keep using it for the length of the loan. See Track It.
For a personal asset, or any asset you don’t need day to day, Park It gets you our best rate. We hold onto the asset for the length of the loan and return it when you repay. See Park It.
The ATO has powers most lenders don’t: garnishee notices, director penalty notices and applications to wind up your company. It wants payment, and the longer you wait, the fewer options you have.
The general interest charge (GIC) on unpaid tax is currently 11.51% a year for October to December 2026, and it can no longer be claimed as a deduction. Every day you delay costs more.
We advance cash against assets we can secure against, such as equipment, vehicles and machinery. No credit checks, no financials and no property required. Clear the debt now and repay us over a short term, typically 1 to 3 months.
ATO debt doesn’t sit still. Here’s what happens when you delay.
The GIC is currently around 11.5% a year and compounds daily. On a $100K debt that is more than $30 a day, and it is no longer tax-deductible.
The ATO can issue a garnishee notice to your bank or your customers, so money owed to you goes straight to the ATO. It can happen with little notice.
For unpaid PAYG withholding, super and GST, the ATO can make directors personally liable. That puts your home, savings and wages at risk.
If a statutory demand goes unpaid for 21 days, the ATO can apply to the court to wind up your company. It does not need a court judgment first.
Already have a DPN? See how DPN funding works.
Whether you want to clear it, keep your payment plan on track or get one started, we provide the capital to stop the clock.
Pay off the full amount. No more ATO letters, no more GIC interest and no DPN risk on that debt. The debt is gone and you repay us instead, typically over 1 to 3 months.
On a plan but about to miss an instalment? A missed payment can see the ATO cancel the plan. We fund fast so you stay on track.
Need to make an upfront payment before the ATO will agree a payment plan? We can advance the lump sum, so you get the plan and repay us while you pay the ATO.
The point: We’re not competing with payment plans. We’re the bridge that helps you get one, keep one or avoid needing one altogether.
Need cash for something other than the ATO? See emergency funding and bridge funding, or compare ABL with cash flow lending.
ATO payment plans are not forgiving. Miss an instalment and the ATO can cancel the arrangement. When that happens, the situation can escalate quickly.
Not just the missed payment. The entire remaining balance can become due at once.
Garnishee notices, DPNs and wind-up proceedings are all back on the table.
The ATO tends to be less flexible with businesses that have defaulted on a previous arrangement.
If you are about to miss a payment, call us first. Fast funding can mean you make the instalment and keep your plan intact.
Different situations. Same solution: use what you own to clear what you owe.
Situation: Three quarters of BAS in arrears. The ATO was threatening a garnishee on receivables, and a major contract was at risk if customers found out.
Asset: Fleet of delivery vans worth $180K.
Solution: Advanced $85K via Track It. The vans kept working with GPS. The ATO was cleared in 48 hours and the loan was repaid over 10 weeks from improved cash flow.
Situation: Combined PAYG and super debt. A DPN had already been issued, the director’s personal assets were at risk and there were 14 days to respond.
Asset: CNC machine worth $200K, not in daily use.
Solution: Advanced $120K via Park It. The machine was stored securely, the ATO was cleared and the DPN resolved. The asset was returned after 8 weeks.
Situation: GST debt built up during a slow period. The payment plan was rejected because the ATO wanted 50% upfront, and a major project was about to land.
Asset: Excavator and skid steer worth $150K combined.
Solution: Advanced $65K via Track It. The equipment stayed on site and the ATO was cleared before the project started. Repaid from the first progress payment.
Situation: On an ATO payment plan for a $180K debt, with a $45K quarterly instalment due in 5 days and a major customer payment delayed.
Asset: Delivery van and forklift worth $90K combined.
Solution: Advanced $45K via Track It. The payment was made on time and the plan stayed active. The customer paid 3 weeks later and ABL was repaid.
Three ways to use what you already own. The right product depends on whether you can spare the asset, need to keep using it or are ready to release it entirely. Compare all three products.
| Park It | Track It | Sell It | |
|---|---|---|---|
| In a line | Asset stored. Capital now. | Keep using it. Capital now. | Capital now. The sale completes the loan. |
| Where the asset is | Securely stored | Stays with you, GPS-secured | Prepared for auction |
| Use during the term | None | Continued, as normal | None |
| Asset returns | Yes, when you’re done | Yes, when you’re done | No, the sale closes the loan |
| Best for | An asset you can park for the term | An asset that needs to stay in service | A strategic exit on an asset you’re ready to release |
| Learn more | View Park It | View Track It | View Sell It |
ATO deadlines don’t wait. Indicative terms within 2 hours, and typically 24 to 48 hours to funded once the asset is secured. Our record is six hours.
Your credit score doesn’t drive the decision. We assess the asset, not the borrower.
No BAS. No tax returns. No P&L. Just the asset.
Don’t put your home on the line. Your equipment is the security.
Typically 1 to 3 months. Exit any time after month one with no penalty, and pay only for the days you use.
This isn’t a payment plan. The ATO debt is paid, so the ATO letters stop.
Steve Heavey, Managing Director of Asset Based Lending, explains how a cash out solution works and when it fits: you own the asset, time is short and your other options are slow or closing.
We had an organisation recently that was on the winding-up list at the ATO. The ATO were trying to wind up their transport company, and they were two days from losing the business to liquidation. Within two days we were able to provide enough money for the business to pay the ATO back, get off the winding-up list and keep trading. One of the best outcomes was that their broker came in and refinanced the family home, so they could pay us back, and the business continued. That saved 40 jobs. This business had 20 trucks on the road, and it lives to fight another day.
I think that's the greatest part of asset based lending. We're here to help businesses survive right now. We can do that because we can move quickly. Nine times out of 10, it's the urgency that's required in these situations where ABL is able to come to the fore, and we provide the bridging solution so they can resolve their issues and get the help they need, whether that's through their accountant or their finance broker.
This is a real equity release play. There are a lot of businesses out there that are asset rich but cash poor. They're sitting on assets because they know that at some point they may need them. If you're talking about a construction company, that could be trucks, cranes and excavators, all sitting around waiting for the next job. Those assets are doing nothing, when they could be used to resolve some of the short-term cash flow challenges the business may face.
So it's about educating people that this is a short-term solution that helps businesses smooth out their cash flow and resolve those issues, using assets they already own instead of taking on more lending, which puts them under even more pressure.
Well, you could do that, but a lot of our clients are in urgent need of cash. If you go down the traditional path of selling an asset, or going to a bank to secure finance, you can safely say it's going to take at least two to four weeks before that even happens. In some cases with banks, it could be up to three months before you get a decision on commercial finance.
Asset Based Lending can provide a solution the same day. If you've got assets sitting idle and you're willing to park those assets with us, we can release funds on day one.
Steve: We'll lend money for up to six months. We've probably had several customers in that situation at the end of the term, and every one of them has said to us that they were going to sell the asset anyway. It was one of their exit strategies from the start. What Asset Based Lending does is buy people time. We allow them to resolve the issue and get out the other side. Because you can access the funding straight away, you can resolve that tax debt straight away, take the pressure off, get the wolves from the door, and really focus on your business and get yourself out of trouble.
Update, October 2026: the maximum term is now nine months.
At the end of the term, every single person we've talked to has said, "Steve, we were going to sell the asset anyway, but you provided a short-term solution and got us out of trouble at the time. What we're doing now is what we were going to do right at the start, and it's been a great outcome for us."
Interviewer: That time piece is really interesting. If you're going to sell, you need a valuation anyway, but then the time keeps going while you try to find the person who's going to pay at that valuation. And we know the market: you're never going to get the price it's valued at. It's always going to be under.
Steve: Yeah. You never get full price at a liquidation sale, I can tell you that. So in the situations where we do sell assets at the end of the term, we run a proper four-week campaign. It's all transparent and all online. We've got a business partner in Lloyds Auctions & Valuations, where everything's transparent and you can see live bids coming in on your asset. Because we're lending 70% of the forced liquidation value, not the market value, there's always a surplus at the end of the term. We take our principal and interest back, and whatever's left after the asset's sold goes back to the client.
Traditional business loans assess your trading history, financials and credit. ABL assesses one thing: the value of your asset. That is why we can move much faster.
No. We are specialist funders. We don't negotiate with the ATO, give tax advice or set up payment plans. We give you a way to release equity from an asset the business, a director or a third party already owns, so you can pay the debt and get the time you need. For advice on your tax position, speak to your accountant or a tax professional.
Yes. Funding can be used toward BAS, GST, PAYG withholding, superannuation guarantee, income tax and FBT. If you owe it to the ATO, ABL funding can be used to clear it, for business purposes and subject to the asset we lend against.
That is when speed matters most. We can move quickly to clear the debt before the 21-day deadline, or straight away for a lockdown DPN where you are already personally liable. The main variable is how quickly the asset is made available.
They are different tools for different situations. A payment plan keeps the debt with the ATO, still charges the general interest charge (around 11.5%, no longer deductible) and can be cancelled if you miss a payment. We clear the debt completely, so you owe us instead of the ATO, and you can exit any time after month one with no penalty.
Paying the debt in full should lift the garnishee. We move fast so you can clear the debt and get the notice removed before it affects your cash flow or customer relationships.
We release funding once the asset is secured. Indicative terms come within 2 hours, and funding is typically 24 to 48 hours from enquiry. Our record is six hours. The main variable is how quickly the asset is made available.
Most terms are one to three months, and we can extend up to nine if you need more time. The minimum is one month. You can exit any time after month one with no penalty, and after that you pay only for the days you use.
No. We assess the asset, not the borrower. There are no credit checks, no BAS, no tax returns and no financial statements.
Yes. The asset can be owned by the business, a director or a third party, as long as it is owned outright or mostly paid off, ownership is clear and we can secure against it. If a small balance is owing, the payout can be added to the loan. Work assets can stay in use with Track It. Personal assets are usually best suited to Park It, which gets our best rate because we hold the asset for the length of the loan.
Talk to us early. We work with you on options. If repayment isn't possible, we sell the asset to clear the loan and return any surplus to you.
You could, but it is rarely as fast, and you may be selling under pressure. With ABL you get funding when you need it without being forced into a discounted sale.
Australia's dedicated cash-out solution specialist. We provide a fast equity release against assets we can secure, with no credit checks.
More questions? See all ABL FAQs.
Every day you wait costs more. Put an asset forward and we’ll give you a free desktop valuation, with no obligation.
Pay the ATO Without a Credit Card · DPN Funding · Cash-Out Solution · Our Products · ATO Credit Card Changes · Private Business Lender · Asset Based Finance · ABL vs Caveat Loans · For Accountants & Advisors · For Brokers
ABL is a specialist funder, not a tax adviser or tax debt specialist. Speak to your accountant about your tax position. ATO rates and rules checked 7 October 2026. Page last updated 7 October 2026. ABL provides short-term secured commercial lending. Loans are secured against your asset.
