Cash flow pressure can hit any business at any time. Whether it’s a late invoice, a seasonal downturn, or a surprise ATO bill, the timing rarely works in your favour. At Woodward Finance, we provide fast, flexible cash flow loans for small business that keep your operations running while you get back on solid ground.
We specialise in short-term business finance and small business loans designed for the moments when cash is tight but the bills won’t wait. From payroll gaps and supplier payments to tax debts and unexpected costs, our funding solutions range from $10K to $2M+ with terms from 3 to 24 months.
With access to 50+ trusted lenders and 24–48 hour pre-approvals, we help Australian businesses secure a short term business loan in Australia even when the banks have said no.
A cash flow loan for small business is one of the most common ways to bridge the gap between incoming revenue and outgoing expenses. Working capital loans typically run from 3 to 12 months, cover essentials like payroll, rent, and supplier payments, and are available in unsecured options from $10K to $500K.
If your cash is tied up in unpaid invoices, invoice finance lets you access 70–90% of the value upfront rather than waiting 30–90 days for payment. This is ideal for contractors and B2B businesses dealing with slow-paying clients.
For businesses that experience regular cash flow fluctuations, a line of credit provides flexible access to capital. You only pay interest on what you draw, making it a cost-effective option for seasonal gaps and short-term needs.
If you’re facing a tax bill you can’t pay, a loan to pay ATO debt can relieve the pressure immediately. We help businesses pay their ATO debt in full, stopping enforcement action in its tracks and converting the tax liability into a manageable business loan with longer terms and lower rates than the ATO’s own payment plans.
This approach helps you avoid director penalty notices (DPNs), prevent garnishee action on your bank accounts, stop credit file defaults, and save on the ATO’s General Interest Charge, which currently sits at 11.42% p.a. We helped a Melbourne tradesman pay $85K in ATO debt and avoid wind-up proceedings through this exact pathway.
Here’s a guide to how typical short-term business loans might look:
|
Purpose |
Loan Amount |
Term |
Est. Rate |
Monthly Repayment |
Total Repaid |
|
Payroll gap |
$30,000 |
6 months |
9.5% |
$5,130 |
$30,780 |
|
ATO debt |
$85,000 |
12 months |
10.0% |
$7,458 |
$89,496 |
|
Stock purchase |
$150,000 |
18 months |
8.5% |
$9,015 |
$162,270 |
Figures are examples only. Actual rates depend on business profile, credit history, and security offered.
For businesses considering an ATO payment plan versus a private loan, here’s how the two compare:
|
Factor |
ATO Payment Plan |
Woodward Finance |
|
Maximum term |
2 years |
Up to 5 years |
|
Interest rate |
11.42% GIC |
7–12% p.a. |
|
Upfront payment |
5–10% required |
No upfront payment |
|
Monthly cash flow |
Higher repayments |
Lower, more manageable |
A loan to pay ATO debt is a private business loan structured to pay the ATO in full and immediately. It converts your tax liability into a standard business loan with fixed repayments, stopping all ATO enforcement actions at the point of settlement.
Once a DPN is issued, directors have just 21 days before they become personally liable for company tax debts. A loan settles the debt before personal liability kicks in.
The ATO can freeze bank accounts and garnish income from clients. Paying in full removes this risk entirely.
The ATO reports debts that are 90+ days overdue to credit bureaus. Clearing the debt protects your credit rating.
The ATO’s GIC currently charges 11.42% p.a. A structured business loan often comes in between 7–12% p.a.
ATO payment plans are capped at two years. Business loans can range from 3 to 5 years, easing monthly cash flow pressure.
The ATO typically requires 5–10% upfront. Loans through our network often require no upfront payment at all.
Businesses with $20K or more in tax debt, those who have failed a previous ATO payment plan, businesses that can’t afford the ATO’s two-year maximum term, operators facing DPN or garnishee action, and businesses looking to clear their credit file before refinancing.
We assess your total ATO debt (GST, PAYG, super, penalties), structure a loan to pay the ATO in full, negotiate repayment terms that suit your cash flow, and in urgent cases, settlement and ATO payment can happen within 48 hours.
Act Fast: Once the ATO issues a Director Penalty Notice (DPN), you have 21 days to respond before directors become personally liable for company tax debts.
Not every business has pristine financials ready to hand over. Our low-doc pathways are designed for self-employed operators, contractors, and startups who need fast access to a short term business loan in Australia without the paperwork burden.
With 15+ years of experience in business finance and debt restructuring, we’ve built strong relationships with lenders who specialise in fast turnaround and flexible terms. Here’s what sets us apart:
Banks, specialist lenders, and private funders, giving you access to competitive rates and structures the banks won’t offer.
Same-day settlements available for urgent ATO cases facing enforcement action.
We understand DPNs, garnishee orders, and wind-up proceedings, and we know how to move quickly.
From $10K to $2M+, with terms from 3 to 60 months.
And a personal broker service, not a call centre.
Unsecured business loans, secured loans (property, equipment, vehicles), invoice and debtor finance, lines of credit, and bridging finance.
Whether you’re chasing a cash flow loan for small business to cover a short-term gap or you need a loan to pay ATO debt before enforcement action escalates, Woodward Finance is here to help. Contact our team today for a free, confidential assessment.
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Most applications are pre-approved within 24–48 hours. For urgent ATO cases facing enforcement action, we can arrange same-day settlements with specialist lenders.
Yes. We specialise in ATO debt finance and have helped hundreds of businesses pay tax debts ranging from $20K to $500K+, avoiding director penalties and garnishee actions.
ATO payment plans have a maximum two-year term, require 5–10% upfront, and charge 11.42% GIC. Our tax debt loans offer terms of up to five years, no upfront payment, and rates as low as 7–9% p.a. with better monthly cash flow.
Not always. Unsecured options are available for loans up to $150–250K depending on your business profile. Larger amounts or better rates may require security such as property, equipment, or vehicles.
Yes, but requirements vary. Businesses with 12+ months of trading typically have more options. Some specialist lenders accept businesses with just six months of trading history, provided they have strong cash flow and contracts.
We can assess your eligibility with a soft inquiry that doesn’t affect your credit. A formal credit check only occurs when you proceed with an application.
Most lenders allow early repayment. Some charge exit fees, others don’t. We make sure you understand all terms upfront so there are no surprises.
We work with 50+ lenders including specialist and private lenders who use different assessment criteria to the major banks. A previous rejection doesn’t automatically disqualify you.
Yes. We can structure debt consolidation loans that combine ATO debt, supplier arrears, overdrafts, and other business debts into one manageable repayment.
