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Eligibility check

Turn your client’s ATO debt into one simple repayment

When tax debt eats into cash flow, a Banjo business loan can consolidate it into one structured facility, with terms of up to 60 months — helping your client get back to running their business.
$20K - $2M*
Facilities, sized to the debt
No credit score impact
To get an initial assessment
Real people
Direct access to decision makers
Use the eligibility quick-check tool to see if your client may be a fit ->

ATO obligations a challenge to manage?

If your client is falling behind on tax obligations, the warning signs are usually clear. The good news: there may still be a practical way forward.
  • An ATO payment plan that's grown harder to keep up with
  • General interest charge (GIC) adding up faster than it's being paid down
  • Cash flow going to old debt instead of new opportunities
  • A director penalty notice risk they'd rather not think about

    • Banjo sees tax debt for what it usually is

    Many SMEs are growing, seasonal, or catching up after a tough stretch. Banjo looks at the whole business — including trading performance, cash flow and the story behind the numbers — so ATO arrears do not automatically mean a knockback.
    Banjo backs SMEs every day. We’re built around how business really works.

    Check the deal before your client commits

    An initial rate offer assessment is the first step in Banjo's application process. It lets you check suitability on your client's behalf, and reach a conditional approval with indicative terms — without heavy client involvement, and without impacting their credit score.
    Enquire — Share the basics of your client's situation with your Banjo contact, or through the partner portal
    Assess — Banjo's credit team reviews suitability against the client's trading and cash flow position
    Indicative terms — You receive a conditional approval with indicative rate and terms to take back
    Confirm — Once your client is on board, the full application and verification process begins
    No credit score impact. Less client involvement. A fast, clear view on whether the deal stacks up — so you're not raising false hope with your client.
    Read more ->
    Eligibility check ->

    Is your client a good fit?

    Banjo helps clients who:
    Operate an Australian-registered business with an active ABN and current GST registration
    Have been trading for at least 24 months
    Have an existing or historical ATO payment plan, or current ATO debt they need to consolidate
    Can show consistent trading revenue and cash flow to support a new repayment
    Are seeking a facility between $20k to $2m*
    Every scenario is different. This is where a quick chat can help.

    Why bring ATO debt deals to Banjo

    One repayment, not many — Consolidate ATO debt and other liabilities into a single, structured facility
    Fast, clear answers — An initial rate offer assessment gives you indicative terms without a full application
    No credit score hit to start — Checking suitability doesn't touch your client's credit file
    Real people, real decisions — Speak directly with Harry and Alicia — no call centres, no guessing
    Loans from $20k to $2m — Sized to fit the debt, not the other way around
    Built for how SMEs actually work — Assessed on the business's trading story, not just a credit score

    Clients we’ve assisted to pay off ATO debt

    FAQs

    Does the initial credit assessment affect my client's credit score?

    No. The initial assessment is designed to check suitability and give you indicative terms without impacting your client's credit file. Read more here.

    Does my client need to be heavily involved at this stage?

    No. You can enquire and get an indicative answer on their behalf. Deeper client involvement only happens once there's a deal worth progressing.

    What kind of ATO debt can be consolidated?

    Existing payment plans, accruing general interest charge, and current ATO debt not yet on a plan can all be considered — talk to Banjo about the specifics of your client's situation.

    How much can my client borrow? 

    Banjo business loans for this purpose range from $20k to $2m*, sized to the debt and the business's trading position.

    What security is required?

    Directors guarantees are always required however other forms of security depends on the size and structure of the facility. Your Banjo contact will confirm what applies to your client's specific scenario as part of the assessment.

    How quickly can we get an indicative answer? 

    The initial rate offer assessment is designed to be fast — talk to Banjo about current turnaround for your scenario. Call 1300 22 65 65 to discuss.

    What if my client already has other business finance in place?

    That's common, and it's factored into the assessment. Banjo looks at the whole business, including existing facilities, not just the ATO debt in isolation.

    Who do I talk to if I'm not sure where a deal fits? 

    Harry is your direct contact for exactly this — try the eligibility tool first and then book a session with Harry to workshop the scenario further if needed.

    Your Banjo × Podium team

    Harry Kirkwood

    Partner Success Officer

    Banjo Loans

    Steven Dang

    Senior BDM

    Banjo Loans

    Alicia Bui

    Senior Credit Manager

    Banjo Loans

    Tom Boyd

    Head of Partnerships

    Podium Money

    Disclaimer

    This Tax Debt Eligibility Tool (Tool) is provided for general informational purposes only and does not constitute a loan offer, pre-approval, or any form of assessment by Fundit Limited in its capacity as trustee for the Banjo Small Business Loan Fund (Banjo, we, us, our) or by Podium Money.

    Any result generated by the Tool is indicative only and is based solely on the limited information you provide during this session. All applications remain subject to Banjo's standard assessment criteria, credit and eligibility checks, and approval processes, and Banjo retains absolute discretion to approve or decline any application, irrespective of the result shown by this Tool.

    The Tool and its results must not be relied upon as financial, taxation, legal or credit advice, or as a substitute for independent professional advice. As this Tool relates to overdue taxation obligations, you should seek advice from a registered tax agent, your accountant, or the Australian Taxation Office, in addition to any independent financial advice, before making any decision.

    Podium Money is an independent business that has referred you to this Tool. Podium Money is not an authorised representative or agent of Banjo and has no authority to make any representation, give any assurance, or make any commitment on Banjo's behalf. Podium Money receives a referral commission from Banjo if you are approved for and proceed with a loan following a referral made through this Tool. The information you provide via this Tool will be provided to Podium Money, as the business that referred you to this Tool. Podium Money will use this information to manage your referral and is separately responsible for how it handles your information once it receives it, in accordance with its own Privacy Policy.

    Other than as set out above, Personal and financial information you provide via this Tool will be collected, used and disclosed in accordance with Banjo's Privacy Policy.

    The eligibility criteria, indicative rates and other assumptions applied by the Tool may change at any time without notice, and results may differ if you use the Tool again.

    To the maximum extent permitted by law, Banjo excludes all liability (including for direct or indirect loss or damage) arising from your use of, or reliance on, this Tool or its results.
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    * Disclaimer: Fees, lending criteria, terms and conditions apply (including an origination fee on each advance). Actual fixed fee (or interest expense) and repayments will vary based on your individual circumstances. Advertised rates are subject to change at any time. Fixed fee (or interest expense) accrues upfront and is paid in instalments. While Banjo does not generally take security over assets, director guarantees may be required and a general security deed or other security may be required for larger loans or in respect of some loan types. Statements regarding timing in relation to applications, approvals and funding are only indicative. Any advice given does not take into account your personal circumstances and you should carefully consider what products are appropriate for you and obtain professional advice where relevant.

    Copyright © 2022 Banjo® Loans. Banjo® and Banjo Score® are registered trade marks used under licence by Banjo Loans. All loans are provided by FundIT Ltd ACN 601 130 527 in its capacity as trustee of the Banjo Small Business Loan Fund ABN 32 713 685 984 (AFSL 468033). All loans are subject to eligibility criteria and approval by Banjo. Upfront fee, terms and conditions apply.