Business Loans
Clear ATO and tax debt with property-secured funding.
Stop the ATO pressure before it escalates — refinance tax debt into a property-secured facility, placed across our panel.
Take the ATO off your back.
An ATO debt left to grow can sink an otherwise healthy business — garnishee notices, director penalty notices, interest charges and a stalled tax clearance that blocks other finance. As a brokerage rather than a lender, X Private places deals, it doesn't fund them: we arrange property-secured funding to clear ATO and tax debt and place it with the right funder from our panel of 50+ non-bank and private lenders.
Paying out the ATO with a single property-secured facility stops the escalation, removes the pressure, and replaces a hostile creditor with a structured loan and one repayment. This is business-purpose finance for owners with an ABN and real property security — not consumer lending.
Banks are slow and often won't touch a business with current tax arrears, which is exactly the gap our non-bank panel fills. We move fast, look at the asset and the path forward rather than just the arrears, and give you an indicative answer within 24 hours.
Why clear tax debt through X Private.
Stop the escalation
Pay out the ATO before garnishees, DPNs or wind-up action turn a debt into a crisis.
Lenders that look past arrears
Our panel assesses the property and the way forward, not just a tax balance the banks recoil from.
One structured repayment
Replace a hostile creditor with a single, manageable, property-secured facility.
Restore your tax position
Clearing the debt can unblock tax clearances and other finance that arrears were holding up.
Fast where it counts
Indicative answer in 24 hours and settlement in days when the clock is ticking.
1st or 2nd position
Structured as a first mortgage or behind your existing loan, depending on the equity.
When tax-debt finance fits.
Property-secured funding to resolve a genuine business tax problem. Common scenarios:
- Paying out an accumulated ATO debt
- Responding to a garnishee or director penalty notice
- Avoiding wind-up action over tax arrears
- Clearing BAS, GST or PAYG arrears
- Restoring a tax clearance to unblock other finance
- Settling an ATO payment plan that's fallen behind
- Consolidating tax debt with other business debt
- Bridging until a refinance or sale resolves the position
Three steps from deal to done.
We move at deal speed — an indicative answer within 24 hours and most deals settled in 5–10 business days.
- 01
Submit
Send us the deal. We give you a yes, no, or what-we-need within 24 hours.
- 02
Approved
We take it to the lenders most likely to back it, negotiate terms, and bring you a clear recommendation.
- 03
Settled
We manage the lender, legals and PEXA. Most deals settle in 5–10 business days; urgent ones faster.
Common questions, straight answers.
Yes — it's one of the most common reasons businesses come to us. Most banks decline a business with current tax arrears; our non-bank panel includes lenders who will pay out the ATO against property security and a credible plan forward.
We're a specialist property finance brokerage: we place tax-debt finance with the most suitable funder from our panel of 50+ non-bank and private lenders.
No — everything we arrange is for a genuine business purpose. Clearing business tax debt against property is a business purpose, not a consumer or owner-occupied home loan.
Quickly — speed matters when enforcement is looming. You'll have an indicative answer within 24 hours and many facilities settle in days, often before the ATO escalates further.
You're left with a single property-secured facility and one repayment, the ATO pressure removed, and your tax position restored — which often reopens access to mainstream finance down the track.