Guide topic
Tax, BAS and ATO Debt Finance Guides
BAS, ATO debt, deductions and finance around tax time.
Tax obligations are some of the most predictable bills a business faces and yet they cause more cash flow stress than almost anything else. GST and withholding collected during a busy quarter is easy to spend, and an ATO balance can grow faster than owners expect.
These guides explain the options when tax and cash flow collide, how lenders view ATO debt, and how to plan so the next BAS is not a surprise. For tax advice on your own position, always speak with your accountant.
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ATO payment plan or business loan: how to decide
An ATO payment plan versus a business loan to clear tax debt: costs, interest deductibility, cash flow, director penalties and which suits you.
Got a director penalty notice? What it means and what to do
How the ATO uses director penalty notices, the company tax debts in scope, why lodging on time matters and the steps directors can take within the deadline.
BAS and GST cash planning for small businesses
How to plan cash for BAS, GST and PAYG so the quarter never ambushes you: holding accounts, forecasting due dates, pricing and what to do if you fall short.
Is business loan interest tax deductible?
When interest and borrowing costs on business loans are generally deductible, why the use of funds matters, mixed-use loans and what to ask your accountant.
The instant asset write-off and equipment finance
How the instant asset write-off interacts with financing equipment: eligibility basics, timing, chattel mortgages versus leases, cash flow and common mistakes.
End of financial year finance planning
An EOFY finance checklist for small businesses: reviewing facilities, planning asset purchases, tax timing, cash for July and lender reporting.
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