Refinance your ATO debt and get back in control
BAS, GST, PAYG and income tax debts refinanced into a business loan with one fixed repayment, so the non-deductible interest stops building up.
ATO debt refinancing with Dosh
GIC no longer deductible
From 1 July 2025 the ATO’s general interest charge can’t be claimed as a tax deduction.
Protect your credit file
The ATO can report business tax debts over $100,000 overdue by 90+ days to credit bureaus.
One fixed repayment
Replace a payment plan with a loan over 1 to 5 years.
Secured or unsecured
Property-backed options are cheaper; unsecured options exist.
Keep suppliers onside
Clearing tax debt helps protect trade terms and future finance.
Free first assessment
We tell you which lenders will consider it before any credit check.
Matched by AI, structured by a specialist
Tax debt has become more expensive to carry. The ATO’s general interest charge is set at the 90-day bank bill rate plus 7 percentage points, and since 1 July 2025 it is no longer tax deductible for businesses. Interest on a business loan used for business purposes generally is deductible.
Lenders usually want to see your lodgements up to date and a clear picture of the debt, so start with your ATO statement of account (or a rough figure). We’ll tell you what’s realistic and which lenders on our panel will consider it.
Every deal is AI-matched across our panel of 30+ lenders (Big 4, mid-tier and private) for the best fit and quickest turnaround. Larger or more complex deals are handled personally by one of our finance professionals. After settlement you get access to our client portal to track your loans, upcoming payments and documents.
ATO debt refinancing: common questions
Can I refinance an ATO payment plan?
Yes. Many lenders will pay out the ATO debt so you have one loan repayment instead of a payment plan.
Do my lodgements need to be up to date?
Most lenders require it. Tell us if they aren’t; we’ll work through options with you and your accountant.
Is the interest tax deductible?
Interest on a business loan used for business purposes is generally deductible, unlike the ATO’s GIC since July 2025. Confirm with your accountant.
Will the assessment affect my credit score?
No. There’s no credit check until you choose to apply.
Other finance we arrange
*24-hour turnaround applies to eligible applicants for loans under $500,000. Approval and timing depend on the lender’s credit assessment. General information only; it doesn’t take your objectives, financial situation or needs into account. Speak to your accountant about tax.
Find out what you can borrow
Free assessment, no credit check. We’ll come back to you within one business day.