GST debt
Understand the BAS position, cash-flow cause and plan for reserving future GST.
GST debt guide →Tax debt funding
Planned business funding for tax liabilities and the cash-flow reset after them.
SME Capital Partners is preparing a business-purpose tax-debt funding product for established Australian SMEs. Credit is not currently being offered through this website; the information below helps businesses prepare for a future assessment.
A practical funding purpose
Create a clearer path through the liability.
A tax liability can place pressure on cash flow, suppliers and growth plans. Subject to assessment and final terms, a business loan may provide funding to address eligible tax liabilities while preserving operating cash for the business.
$50k+Indicative minimum facility
$200kIndicative facility ceiling
36 mo*Potential term, subject to offer
What may be requested at launch
- ATO integrated account or other evidence of the liability
- Recent financial statements and management accounts
- Business bank statements
- Details of existing finance and security
- Information about revenue, cash flow and intended repayment source
What we do not promise
Future funding approval will never be guaranteed. We do not provide tax advice and we do not promise that borrowing will reduce a borrower's tax liability or make interest deductible. Businesses should obtain their own tax advice.
Understand the liability
Different tax debts create different business risks.
Separate the balance by type before discussing funding. GST, PAYG withholding, company income tax, SGC and GIC/penalties should not be treated as one undifferentiated number.
PAYG withholding
PAYGW arrears can have director-level implications and need careful handling.
PAYGW guide →ATO payment plans
Compare the existing payment-plan burden with the business’s wider cash-flow plan.
Payment plan guide →Director penalty notices
General information on the interaction between company funding and DPN-related tax debt.
DPN information →Document checklist
Prepare the tax breakdown, financials, ATO information and forward cash-flow forecast.
Tax debt checklist →Tax debt vs working capital
Identify whether the ATO balance is the problem or a symptom of a broader cash-flow issue.
Read the guide →Decision resources
Understand the liability before choosing the funding response.
Tax debt can have very different implications depending on the debt type, interest cost and whether formal recovery action has started.
ATO enforcement stages
Distinguish an overdue balance from a DPN, statutory demand or court process.
Read enforcement guide →GIC & carrying cost
Understand the ongoing cost of leaving an ATO balance outstanding and the post-1 July 2025 deductibility change.
Read GIC guide →Industry cash-flow context
See how tax debt can interact with construction, hospitality and transport cash cycles.
Explore industry tax debt →