The ATO have stated that small business tax debt is sitting at $35.9 billion, and they have firmly set their sights on targeting this debt in 2026.

84,000 DPN’s have been issued in 2025. Directors Penalty Notice (DPN) is issued when businesses are not meeting their tax obligations. This makes directors personally liable to pay overdue tax debt.

ATO interest rate currently sits at 10.96% with daily compounding and is not tax deductable. Payment plans usually last for 24 months.

So, if you are carrying a large ATO debt and you would like monthly repayments at a more manageable amount, call me for a confidential discussion.

Commercial property loans can be used for business or investment purposes. Whether you are looking for a new office space or to purchase a space to rent out, or development finance used for construction. We can help you find a public or private lender to finance your next project. We will help you understand:

• What is your borrowing capacity?
• What type of loan features and structure are suited to my business needs?
• Does the loan make sense and minimise risk from a lender’s perspective.

Sometimes a business just needs access to finance to cover a short-term cash flow problem, to cover seasonal expenses, or to be an available cash resource for unexpected expenses.

The benefits of a line of credit are:

• It only needs to be set up once – no repeat fees for each loan amount.
• It can be switched on and off to suit you and your cash flow needs
• You only pay interest on the balance with no ongoing monthly fees.
• There are no early repayment penalties.
• Competitive rate of interest, especially if you repay the balance quickly.

So, if you need access to short term cash, then this may the facility for you.

One of the major issues faced by many small businesses is cash flow. Cash flow is affected when cash is tied up in raw materials/ stock and customer invoices.

Debtor finance allows businesses to free up to 80% of the invoiced amount up to 90 days before an invoice is due to be paid. The final 20% being released upon payment of the invoice. Insurance is also available with some lenders to cover the invoiced amount giving peace of mind to the business owner.

Trade finance works in a similar way. Cash can be made available for up to 180 days before invoices become due for payment allowing businesses to purchase raw materials/ stock at advantageous prices.

If you would like to improve your cash flow, hold large amounts of stock and/ or would like to free up cash held in invoices, let’s discuss this and see if this approach would benefit your business.

For cash poor and asset rich businesses, asset-based finance is a short-term loan solution to release cash secured against an asset. An asset can be almost anything – vehicle, equipment, inventory, plant, boats, tools, gold, art and more. You can even secure a loan against vehicles or equipment that are in daily use.

If you need a short-term loan, let’s discuss a clear repayment strategy and determine if this is an approach you would like to take.

A Self-Managed Super Fund is a great way to purchase commercial property. You can use the funds in your superannuation toped up with a loan to purchase a property. Potentially, you can rent back this property to your business and pay rent (tax deductible) to your own superfund.

If you already have a superfund with a loan, consider refinancing to a more competitive rate adding more savings to your super.

We are accredited with many specialist superfund lenders. So, if you are considering an SMSF property purchase, talk to me to discuss funding options.