ATO debt loans

Clear the ATO debt at settlement.

Business purpose loans secured by residential property, for company and trust borrowers. We pay the ATO directly from the loan on the day it settles, so your client doesn't have to clear it first.

Standard rate: From 7.95%
Max LVR: 75%
Term: 3 to 24 months
Income: No verification

Standard Term figures. Loans from $200,000 to $15,000,000 across our three products. See the full matrix

How we read it

01
We read the equity, not the debt list.
A live tax debt doesn't stop us looking. A person in credit assesses the security and the exit.
02
The ATO is paid at settlement.
Paid directly from the loan on the day it settles, with any existing lender or caveat paid out alongside it.
03
What's left can work for the business.
Equity above the payouts can be released as working capital, as long as the purpose is business.

Real deals from our desk

Deals like this, funded.

Just fundedDover Heights, NSWRefinance and ATO payout
An existing lender and the ATO, both paid out on the day it settled.
$4.42M
55.25% LVRStandard max 75%
8.35% · 12 months
Read the deal
The scenario
A company borrower, with three trusts and four guarantors behind it, held a house in Dover Heights carrying an existing facility and an outstanding ATO position.
The catch
Most lenders want a tax debt resolved before they will look at a deal. This borrower needed the funding in order to resolve it.
How we read it
Valued at $8M, the security carried both debts comfortably. We paid the existing lender and the ATO directly at settlement, so neither had to be solved first.
$4.42M settled at 55.25% LVR. The existing facility and every ATO liability were cleared from one first mortgage.
ATO debtMorayfield, QLDRefinance and equity release
Bank debt, a caveat and an ATO debt. Cleared in one facility.
$727.5K
75% LVRStandard max 75%
7.85%
Read the deal
The scenario
A construction business needed to refinance its mortgage, pay out a business caveat and clear an outstanding ATO debt.
The catch
Three separate creditors sitting behind one property, one of them the ATO. Most lenders won't touch live tax debt.
How we read it
Assessed on the equity, not the debt list. One facility to refinance, pay out the caveat and clear the ATO.
$727.5K settled in 7 days. Bank refinanced, caveat paid out and the ATO debt cleared, all from one facility.
Just fundedSouth Penrith, NSWEquity release
Three business debts cleared, with working capital left over.
$640K
55.65% LVRStandard max 75%
7.99% · 12 months
Read the deal
The scenario
A business owner with a project under way needed to clear the ATO and two business lenders, and fund the work still to come.
The catch
Short-term business debt stacked against one property, and a project that still needed cash to finish.
How we read it
Assessed on the security and the exit. We paid the ATO and both lenders directly at settlement and released the balance as working capital.
$640K settled at 55.65% LVR. The ATO and two business lenders paid out, and working capital released for the project.

Client details anonymised. Figures reflect the approved structure and are subject to Titan Capital's credit criteria. Terms and conditions apply.

Where it fits.

A good fit

A company or trust borrower with an ATO debt to clear
A residential house, townhouse, unit or apartment, with the equity to cover the payouts
Other lenders or a caveat to pay out in the same settlement
At least one guarantor with a credit score of 550 or above

Not for us

Second mortgages
Commercial or industrial property as security
Individuals borrowing in their own name
Consumer or personal purpose loans

Not sure where a deal sits? Check it against the matrix

Questions brokers ask

The short answers.

If yours isn't here, call 1300 304 770.

Products and rates

Does the ATO debt need to be resolved before you'll look at the deal?

No. That's what the loan is for. We pay the ATO out at settlement, from the loan, as we did on the Dover Heights and South Penrith deals above.

Can the loan pay out other lenders at the same time?

Yes. On recent deals we've paid out an existing lender, two business lenders and a business caveat alongside the ATO, each time from one first mortgage.

Do you need to verify income?

No income verification is required. We assess the security and the exit, not a servicing calculator. At least one guarantor needs a credit score of 550 or above.

Can the borrower be an individual?

No. The borrower must be a company or trust, and the loan must be for a business purpose. Clearing ATO debt is a business purpose we lend for.

What does it cost?

Standard Term rates start from 7.95%, with a line fee of 0.10% per month. The establishment fee is set per deal and your RM confirms it with the indicative terms. There is no exit fee, and brokerage is paid once, on settlement, with no clawback.

Rates and fees are indicative, current as at October 2026, and subject to Titan Capital's credit assessment. Business purpose lending only. Terms and conditions apply.

Got a scenario?

Two lines is all we need.

01The security
02Roughly how much
03What it's for

Send it the way you'd explain it on a call.

Call 1300 304 770

Clear the ATO debt at settlement.

How we read these deals

Deals like this, funded.

An existing lender and the ATO, both paid out on the day it settled.

Bank debt, a caveat and an ATO debt. Cleared in one facility.

Three business debts cleared, with working capital left over.

Where it fits.

A good fit

Not for us

The short answers.

Two lines is all we need.