Since July 1, ATO interest is no longer tax deductible. Waiting now costs more Since July 1, ATO interest is no longer tax deductible

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Australia's top ATO debt finance experts

Get the ATO off your back, and your cash flow moving again

We help self-employed Aussies restructure tax debt into one smarter, lower-cost loan

25+ years of experience 120+ lenders on our panel 1000+ satisfied customers

Check your refinance options

60 seconds. Free, no obligation, no impact on your credit score

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Roughly how big is your ATO debt?

How would you describe your credit right now?

How soon do you want this ATO weight off your shoulders?

Do you own property?

What best describes you?

What's your ABN or business name?

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You're all set

We're lining up your options now. We'll be in touch shortly to lock in your free 15-minute ATO Debt Escape Plan, so keep an eye on your phone

5.0 50+ Google reviews

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92%Approval rate for
previously declined

120+Lenders on our panel

$50M+Loans funded

25+Years of experience

The rules changed on July 1

The ATO's general interest charge is over 11%, and since July 1 you can't claim it as a deduction anymore. A payment plan doesn't stop the interest climbing. Tax debt now costs you twice: the interest itself, and the deduction you no longer get. The good news is there are lower-cost loan structures built for exactly this situation, even if the bank has already said no

Out of panic mode and back in control

The ATO Relief Blueprint is our process for self-employed Aussies carrying tax debt, from first chat to refinanced in a matter of weeks

Strategy session

A quick, pressure-free chat about your ATO debt, cash flow, credit history and goals. We map out exactly what's possible for your circumstances

Lender research

No generic advice. We search the non-bank and private lenders on our panel for options that actually work, whether you've been declined before or not

Your finance report

Your best options in one clear, easy-to-read report. Rates, repayments, the thousands you could save, and next steps, with no pressure to commit

We handle everything

Paperwork, lender negotiations, waiting on hold to the banks. We manage the full process while you keep running your business

Debt refinanced

Your ATO debt is gone, your repayments are lower and the stress is off your shoulders. Cash flow back. Mind clear

Ready to see where you stand?

60 seconds, no credit impact, no obligation. Your options, laid out plainly

Helping Aussie business owners just like you

Recent client wins, in their numbers. Most of our clients come to us after the banks say no

$120K

From ATO nightmare to breathing room

Project delays and inconsistent cash flow left a Sydney builder $120,000 behind with the ATO. Outdated tax returns and poor credit meant the banks said no. We refinanced using equity in his home, clearing the debt and unlocking working capital

$64K

Refinanced and avoided legal action

After a tough year the ATO was circling a Victorian truckie, and he feared losing everything, including his trucks. We refinanced his truck loans and rolled the tax debt into a lower cost structure that protected his assets and kept his business alive

$37K

One simple payment instead of a tax burden

A small family-run Sydney retailer fell behind during COVID and owed $37,202. We arranged a refinance through a specialist lender that paid out the debt and replaced it with one clear, predictable repayment

$670K

Restructured the debt and saved the business

Deferred PAYG and Super through the pandemic left a Sydney hospitality group $670K behind, with legal threats looming. We refinanced their commercial property, cleared the full debt and helped them requalify for funding. They kept their staff

We've helped clients turn crushing tax debts of $64k, $120k, even $670k into manageable structures, so they can finally breathe again, grow and move forward

Sanjay Verma Finance Group

Which finance options are actually available to people in your situation

How to reduce your 11% ATO debt interest rate to 6 to 7% and free up cash flow quickly

What you can realistically do today, even if your credit isn't perfect

Clarity and peace of mind, in one no-pressure 15-minute strategy call

Stop struggling in silence. Let's get you a way out

Don't just take our word for it

Every review below is real and on our Google page, one click away

Read all the reviews on Google

Why business owners choose Verma Finance

We handle everything

Forget chasing lenders, filling out paperwork and explaining yourself ten times over. We take care of it all behind the scenes, so you can get back to running your business

1,000+ loan options

Most brokers have a tiny toolbox. We've got the whole shed. With over 1,000 loan products across our lender panel, we can structure the right solution for your unique situation

Our help is free

There's no cost for our service. The lender you go with pays us a commission for bringing them your business

Got questions? We've got answers

What if my credit's not great? Will anyone still help me?

Absolutely. We work with over 60 non-bank and private lenders who specialise in helping self-employed Aussies with imperfect credit. Banks might shut the door, but we know which lenders actually listen and approve. Bad credit isn't the end

Will this hurt my relationship with the ATO?

Nope. In fact, it does the opposite. By paying out or refinancing your ATO debt you reduce the risk of legal action, penalties and account freezes. The ATO just wants to get paid. You're giving them what they want, and protecting your business in the process

Is this legal? I thought banks didn't allow tax debt refinancing

It's 100% legal, and smart. Major banks don't like ATO debt, but non-bank lenders do things differently. We structure everything above board, through licensed lenders, with clear terms

How long does the process take?

We move fast. Most clients get approved in a few short weeks. Once we've had the strategy call and collected what we need, we handle everything behind the scenes so you can keep running your business

How much does this cost me?

Nothing. Zero. Zip. We're paid by the lender you choose, so you don't pay us a cent out of pocket. That means you get expert advice, a tailored solution and end-to-end support for free

What if I've already been declined by the bank?

You're in the right place. Most of our clients come to us after banks said no. We're not here to squeeze you into a rigid box. We find a lender and structure that fits your reality. Declined doesn't mean done, it just means you need a better approach

See exactly where you stand, before things get worse

Your 15-minute ATO Debt Escape Plan. Completely free to explore. No strings attached