Tax Pay
A Smarter Way to Manage Your Tax Debt

Many businesses have used the ATO as a bit of a bank over the years. You kick the can down the road because paying suppliers comes first. If you don’t pay them, you don’t get the stock or services you need to keep operating.

 

But with the ATO now charging around 11% interest (and no longer tax-deductible from 1 July 2025), that strategy has got a lot more expensive. We’ve partnered with a specialist lender to offer our clients a better option. It’s a hassle-free tax payment solution designed to give you greater financial flexibility, control, and choice in managing your cash flow with tax debts.

Let’s Chat

We know the numbers. We’ve seen your books.

And we’re here to help you find the breathing room you need.

Q
How can I stop using the ATO as my emergency cash flow buffer?
Q
How do I manage this debt without it snowballing out of control?
Q
Will this affect my other business lending or my relationship with the bank?
Q
Is there a way to make this debt work for me instead of against me?

Let’s tackle this together – like we always do

ATO
Tax Pay
Interest Rate
~11% (rising)
9%
Deductible
(from 1 July)
Flexibility
Low
High

You didn’t get into business to worry about ATO debt. But when cash flow gets tight, the ATO becomes the easiest bill to push to next month. We get it. We see it. And we’re not here to judge.

 

Through our partnership with a trusted lending provider, we’re now offering eligible Collins SBA clients access to Tax Pay, an always-on, fully revolving facility at 9%, with interest that remains tax-deductible. That’s typically 2% lower than ATO rates, plus you get the deduction back.

 

This isn’t just debt restructuring. It’s about giving you choice and control over your cash flow. Draw up and pay down as you need. Take payment holidays when business is slow. Keep your working capital free for the things that actually grow your business.

 

And here’s the thing: it’s designed not to compromise your existing secured loans or your banking relationships. It’s private, flexible, and there’s no ATO involvement required.
For freedom’s sake.

How Tax Pay Works

Your always-on facility is truly fully revolving – designed to help pay your tax activity smoothly and remove the headaches:

Fixed flat 9% interest, fully tax deductible (compared to ATO’s 11% non-deductible rate)

Evergreen facility – once approved, it’s always available when you need it

Flexible drawdowns – use it for ATO liabilities such as BAS/GST, PAYG instalments or withholding, FBT and Luxury Car Tax

Payment holiday options – up to 3 per year when cash flow is tight

12-month terms That smooth large tax bills into manageable monthly payments

Fast, private approvals with no ATO involvement

Designed not to compromise existing secured lending – keeps your banking relationships intact

We’re Monitoring the Numbers With You

This isn’t just about accessing funding. It’s about making sure you’re staying on top of your obligations and planning ahead:

Regular reviews of your cash flow and upcoming tax obligations
Proactive conversations about when to draw down and when to pay back
Guidance on upcoming changes, like the new Payday Super rules proposed for 1 July 2026
Strategic advice on keeping the ATO from becoming your permanent lender
Integration with your existing cash flow forecasting and planni
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The Collins SBA Approach

You’re already working with us. This is just another tool in our toolkit to help you stay in control:

We’ll assess whether Tax Pay suits your specific situation
No hard sell – if it’s not right for you, we’ll tell you straight
Full support through the application and approval process
Ongoing integration with your existing accounting and advisory work
Face-to-face conversations when you need them (because that’s always easier)
Access to the whole Collins SBA team – you know we’re here

Get The
Foundation
of Financial
Confidence

Contact

1300 265 722 1300 COL SBA
+61 62232616 For Overseas Callers
reception@collinssba.com.au

Start with Conversation

Empowering Australian business owners with financial advice, accounting services and business coaching


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