Erase your ATO debt.
Refinance with Recharge.
Payment plans are a trap. From July, tax debt becomes even more expensive. Get lower repayments & better terms without the tax office Bulls**t.
Wake up call
The real cost of ATO debt.
You can no longer deduct ATO interest
- Every dollar of interest now hits your bottom line directly
- ATO debt is now the most expensive debt your business carries
The ATO is reporting debts over $100k to Equifax
- Destroys your ability to borrow or refinance
- Applies even if your business is otherwise trading well
Director Penalty Notices are at an all-time high
- Your house, savings and personal credit are all at risk
- Directors personally liable for PAYG, GST and super
ATO debt is blocking your ability to grow
- Banks treat ATO debt as an immediate red flag
- Locks you out of equipment finance, credit lines and overdrafts
Payment plans are getting harder to access
- Post-COVID ATO leniency is completely gone
- Garnishee notices and court recovery timelines have accelerated
Payday Super will hit your cash flow immediately
- Super must be paid with every payroll run from July 2026
- Immediate weekly cash flow impact on every payroll
THE PROCESS
Four steps to eliminate ATO debt.
Get Free Assessment
Tell us about your situation. No credit check, no commitment.
Provide documents
Bank statements only. No financials, no tax returns.
Experts step in
We review your situation and match you with the right structure.
Debt erased.
ATO debt cleared. Repayments structured around your cash flow.
Real results
Recent Recharge Refinances.
$300k ATO debt restructured in 3 days
A construction company in Melbourne had accumulated $300k in GST and PAYG debt over two years. Their bank declined to add onto the mortgage. A cash flow lender declined to offer more lending. Their accountant flagged it had to be resolved urgently. Recharge structured a 36-month facility at lower rates than his existing lenders.
You
Hi Shane, we've finalised settlement on your ATO debt. Funds will be with you this afternoon.
We've got the remittance already. Can't explain how grateful I am. I'll be over your way next week to take you out to lunch. Thank you so much.
Shane T., Director, Melbourne
$250k ATO debt restructured in 4 days
A pest control business in Brisbane had built up $250k in PAYG and GST arrears after a rough two years of growth. Their accountant had them on an ATO payment plan that was strangling cash flow. Three lenders had already said no. Recharge found a non-bank solution and had the debt cleared inside four days.
You
Hi Dan, just confirming the ATO payment has gone through. Your debt is fully cleared as of today.
Mate, that's the best news I've had in two years. Honestly thought this was going to break us. You guys are unreal. Thank you.
Dan K., Owner, Brisbane
$150k ATO debt cleared in 24 hours
A physiotherapy practice in Sydney had $150k in outstanding GST and PAYG debt after expanding to a second clinic. The ATO had started enforcement proceedings. Their bank wouldn't touch it. Recharge assessed on bank statements only and had the full amount cleared within 24 hours of approval.
You
Hi Melissa, the funds have been released and the ATO debt is fully settled. Took us less than 24 hours from approval.
I literally cannot believe this. I've been stressed about this for six months and you sorted it in a day. My accountant is in shock. Thank you from the bottom of my heart.
Melissa R., Practice Owner, Sydney