ATO Debt Just Got More Expensive (Here's How to Fix It)

From July 1, 2025, ATO interest is no longer tax-deductible. Discover how refinancing your ATO debt with a lender can save you thousands while improving your business financials.

  • Understand the July 2025 tax change that makes ATO debt effectively 14.9% (up from 11.17%)
  • Learn how refinancing at 14-18% can be cheaper because interest becomes tax-deductible
  • Discover which specialist lenders work with ATO debt (most traditional lenders won't touch it)
  • See exactly when refinancing makes sense vs when to stick with an ATO payment plan
  • Get a clear action plan to improve your balance sheet and creditworthiness before EOFY
The Quick Guide to Refinancing ATO Debt for Aussie Businesses

Get Your Free ATO Debt Refinancing Guide

Learn how the July 2025 tax change affects your ATO debt and discover smarter refinancing strategies.

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What's Inside The Guide

Everything you need to make informed business financing decisions

The July 2025 Tax Change Explained

Understand exactly how the removal of tax deductibility changes the real cost of ATO debt from 11.17% to an effective 14.9% - and why this makes refinancing a smarter option for many businesses.

ATO Debt vs Lender Refinancing Comparison

See the side-by-side comparison - ATO's non-deductible 11.17% vs lender's tax-deductible 14-18%. Learn why structured, transparent facilities can actually cost less and improve your credit profile.

Should You Refinance? The Decision Checklist

Clear criteria to assess your situation - when refinancing makes sense ($50K+ debt, regular revenue, current compliance) versus when to hold off (behind on lodgements, small manageable debt, accepted payment plan).

Pros & Cons Breakdown

Honest analysis of the benefits (deductible interest, avoid penalties, stronger financials) and drawbacks (14-18% rates, setup fees, higher short-term payments) so you can make an informed decision.

Which Lenders Work With ATO Debt

Discover the specialist funders who understand ATO debt situations and know how to structure deals that work. Learn exactly which lenders to approach and how to present your business in the best light.

Your Action Plan - What To Do Next

Step-by-step roadmap showing how to assess eligibility, gather required documents, structure the refinance, and improve your balance sheet before EOFY. Know exactly what to do and when.