The timeline depends on the type of facility you apply for. We have solutions that can be settled within 24 hours and others that require more time. Usually (not always), the fastest solutions are the most expensive so we will always balance out the urgency and the cost to get you the most cost effective solution that you would be eligible for

Your credit report having defaults, missed payments or other negative marks does not mean you are not eligible - it may just change the solutions we pursue. To determine what options exist, we always recommend an upfront and honest conversation with our team so we can present you honest solutions based on your position.

We solve problems. We don't give false hope.

Having an ATO Payment Plan is a great way to reduce the debt recovery pressure from the ATO; However given the repayment terms are usually 24 - 36 months the majority of our clients find the cashflow pressure overwhelming. Alongside this, the ATO General Interest Charge (GIC) for tax debt is currently (January 2026) above 10% per annum and is not tax deductible.

In many instances, our interest rates land below the ATO GIC and is structured in a manner suitable for your accountant to claim the interest as deductible (though always confirm tax and accounting matters with your accountant as we are not tax advisors).

Initial consultations are always free. If we don't believe we can help you, we will tell you honestly and no costs are incurred.

After our initial consultation, if we feel we have suitable solutions for you we will issue a Quote & Engagement that transparently outlines our fees for the solution you are most likely eligible for.

We will always be transparent to disclose fees to you before you incur them so you can decide whether to proceed.

Whilst owning a property will often open up more potential solutions, it is not necessary for all solutions.

The terms will vary depending on a large range of factors and are specific to your scenario. In many instances, we have been able to secure 30 year loan terms to provide maximum flexibility to business owners who have a suitable exit strategy for the proposed loan - even for borrowers over 60 years old.

It is important to reiterate that the exit strategy for the loan upon retirement needs to be clear which is why all applications are assessed individually based on specifics.

In a lot of instances, we are able to access additional funds for a variety of purposes. It's important to mention any additional requirements upfront so that we can determine suitable lenders for your scenario in our assessment.

Apply below to for an initial consultation. We can answer any questions you have upfront.