Specialist lending since 1999

When the banks say no, we find a way.

Tax debt, credit defaults, self-employed income or an urgent settlement. We structure finance for Australians whose situation doesn't fit a standard bank box.

Learn more → Book a free appraisal

Credit ledEvery application is assessed under strict internal credit and stress testing guidelines before submission.

Trusted by clients & referrers

Accountants
Lawyers
Mortgage brokers
Financial planners

Fundsnational's Australian Mortgage Awards trophies and certificates

27+ yearshelping Australians since 1999

About Fundsnational

Expert lending support when it matters most

Founder Giulio Avian started Fundsnational in 1999 to help people going through something in life that hadn't gone to plan. More than 27 years on, we're a multi-award-winning specialist broking firm, recognised by our peers for integrity and professionalism.

We believe every Australian deserves honest support with their finances. We don't judge. We give every client an honest appraisal and a practical path forward.

Industry recognition Australian Mortgage Awards and Better Business Awards badges, 2012 to 2017

How we work Meet the team

Why Fundsnational

Why choose Fundsnational?

We've spent decades building relationships with specialist, non-bank and private funders, so the answer isn't limited to one bank's credit policy.

Personalised approach

Every solution is built around your circumstances, not a template.

No judgement

Honest guidance and real support, whatever has happened.

Disciplined process

We provide an early, considered view on whether a loan is achievable, before any application is presented to a lender.

Internal credit assessment

Each file is reviewed by our in-house credit team against strict credit policy and serviceability stress testing, so lenders receive complete, well supported applications.

Our philosophy

Hope, support and a solution

We don't only measure success in approvals. We're proudest of helping individuals and families take back control of their finances.

Hope

An honest view of where you stand, and confidence there's a way forward.

Support

A dedicated team beside you from first call to settlement.

Solution

Finance structured around your circumstances, with a clear exit plan.

Integrity

Recognised across the industry for professionalism since 1999.

Multi-awardwinning specialist broking team

How it works

Your partner from first call to settlement

Every client's situation is different. The way we work stays the same.

Fact find

We gather the full picture: loans, cards, ATO debts, assets and income, in accordance with applicable lending and regulatory requirements.

Assess your position

An open, honest appraisal that pinpoints where the real issues sit.

Develop a solution

We take your application to the right funder and negotiate manageable terms.

Approve & plan

Once the lender approves, a clear plan to get you back on track. Timing varies by lender, and we keep you updated throughout.

Speak with us →

Our results

Results that speak for themselves

27+

Years of specialist lending

Helping Australians outside the major banks' criteria since 1999.

Assessed

Strict credit standards

Rigorous credit processes and stress testing guidelines, applied before submission, support a more efficient approval process.

Awarded

Recognised by our peers

Multiple Australian Mortgage Awards and Better Business Awards for specialist lending.

Don't wait until it's too late

Behind on repayments? The earlier you talk to us, the more options you have. Dealing with the ATO? Act early, and we can put you in touch with an ATO coordination expert.

Book a free appraisal Received a notice? Urgent matters → Call 03 8696 6300

SBR Assist

Bringing the right experts together to help businesses navigate financial challenges.

SBR Assist was established by Giulio Avian, Founder of Fundsnational, and Leo Iermano, a former ATO professional, after recognising that businesses experiencing financial difficulties often require more than simply accessing finance.

Spearheaded by Leo Iermano, SBR Assist was created to help business owners navigate complex ATO debt and financial restructuring challenges by coordinating access to experienced accountants, registered tax agents, insolvency practitioners and legal professionals.

The objective is simple: bring the right experts together to assess the business's circumstances, explore available options and develop an appropriate pathway forward.

Ask about an introduction Visit SBR Assist ↗

Accountants
Registered tax agents
Insolvency practitioners
Legal professionals

Finance is only one part of the solution.

Where funding is required to support an agreed strategy, Fundsnational may assist with exploring suitable finance options.

Disclosure

SBR Assist Pty Ltd and Fundsnational Pty Ltd operate as separate legal entities but share a common director. Fundsnational Pty Ltd does not provide taxation, legal or insolvency advice, which must be obtained from appropriately qualified professionals.

Resources

Webinars, guides & success stories

Practical information to help you understand your options.

View all case studies →

Wed28Oct 2026

Free live webinar · 1 CPD hour

ATO tax debt: repay, refinance or restructure?

When a business can't pay its ATO debt, there are three main paths. Specialists explain what each option is, how to access it, what can go wrong, and when it does and doesn't suit, with real client cases and the ATO Tax Debt Options Calculator.

Giulio AvianManaging Director, Fundsnational
Leo IermanoStrategic Financial Coordinator, SBR Assist
Jarvis ArcherRestructuring Practitioner & Registered Liquidator, Business Reset

1:00pm AEDTMelbourne & Sydney12:00pm QLD · 12:30pm SA · 10:00am WA

Hosted by Business Reset. Presented jointly with Fundsnational Pty Ltd and SBR Assist Pty Ltd. General information only and not financial, tax, legal or insolvency advice.

Guide · 5 min read

How tax debt funding works

What lenders look for, typical costs, and why getting the right experts involved comes first.

Guide · 4 min read

Self-employed? How to prove your income

Alternative ways to verify income when your tax returns aren't up to date.

Case study · 3 min read

$130,000 ATO debt resolved in 14 days

How a funded Small Business Restructure beat a Director Penalty Notice deadline.

Free, no-obligation appraisal

Tell us your story. We'd love to help.

Share a few details and a specialist will call you, usually within one business day. No judgement, and no impact on your credit file to have a conversation.

Phone03 8696 6300

Emailsupport@fundsnational.com

OfficeLevel 4, 24 Albert Road, South Melbourne VIC 3205

Start your free appraisal

Fill in your details on our secure appraisal form and a Fundsnational specialist will be in touch.

Free and no obligation
No impact on your credit file to have a conversation
No judgement, whatever your situation

Start my free appraisal

Opens our secure appraisal form in a new tab. Prefer to talk? Call 03 8696 6300.

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Meet the team

The people behind Fundsnational

An experienced, close-knit team based in South Melbourne, working together on every file from first call to settlement. Hover over or tap a card to get to know us.

Giulio Avian

Director

Get to know

Giulio “Gulz”

Born and raised in Melbourne, Giulio, or “Gulz”, represented Victoria in soccer growing up.

When he's not at work, you'll find him out on his kayak, fishing, or cruising around in his 1989 Toyota Hilux that just keeps on running.

Joseph Bautista

Manager

Get to know

Joseph “Joe”

Joe moved to Australia from the Philippines with his wife, and still holds the record at ANZ for the most asset lending approvals in a single day.

Away from work, Joe loves building Lego, and he's always on the road taking his kids to pick up their latest awards, whether it's for academics, gymnastics or music.

Ethan Guy

Marketing Officer

Get to know

Ethan

Ethan grew up in rural Victoria, where his dad runs a beef farm. At 18 he moved from Wangaratta to the city for his studies.

When he's not at work, he's training in the gym, listening to his techno music or playing footy at a high level.

Ethan also helps run the family business, one of the highest quality beef box businesses in Victoria. If you're after some great beef, reach out to him!

Sam Sabili

Team Leader / Credit and Offshore Operations

Get to know

Sam

Sam loves getting out into nature, exploring the mountains and finding hidden rivers. It's her way of slowing down and enjoying life beyond the everyday.

When she's not at work, she's discovering new cafés over a good coffee or travelling to experience new cultures and local food.

Kecy Resolme

Settlements Officer

Get to know

Kecy

When she's not at work, Kecy is all about quality time with family and friends, a good crime documentary or courtroom show, and plenty of music.

Out and about, she loves relaxing in nature. At home, it's all about taking it easy.

Christian Resolme

Credit / Broker Support

Get to know

Christian

When he's not at work, Christian is either planning his next trip somewhere new or settling in for a gaming session.

He loves getting out to see new places and coming home with a few good stories to tell.

Back home, you'll usually find him unwinding with a controller in hand, whether it's a big solo adventure or a few rounds online.

Jonathan Guevarra

Head of IT

Get to know

Jonathan

Jonathan is always learning something new about technology, which makes him a natural fit as our Head of IT.

When he's not at work, he's spending time with family, playing online games or out on the court playing basketball and volleyball. He's also a big Kyrie Irving fan.

Olivier Avian

Business Development Manager / Support

Get to know

Olivier

Olivier played soccer to a high level growing up.

When he's not at work in summer, you'll find him out on the tinny in Port Phillip Bay chasing snapper during the season.

Come winter, it's 18 holes of golf and playing soccer, with a new hobby always on the go.

Talk to our team

Tell us about your situation and the right person will be in touch, usually within one business day.

Book a free appraisal Call 03 8696 6300

Case studies

Real clients, real outcomes

How we've helped Australians the banks turned away.

Business & tax debt Home loans Property & investment Debt restructuring

Business & tax debt

Funding that helps business owners resolve ATO debt, once the right experts have a plan in place.

ATO debt · SBR

$130,000 ATO debt resolved through a funded Small Business Restructure

$130kATO debt at peak

$65kFunding required

14 daysTo unconditional approval

The situation: A construction business owner's ATO debt grew from around $60,000 to $130,000 after a previous accountant mishandled the business's tax compliance. Once the debt passed $100,000 it could be reported to credit bureaus, and a Director Penalty Notice set a hard deadline.
What we did: A Small Business Restructure was the right path, needing $65,000 to cover the SBR payment and administrator fees. We arranged private funding secured against equity in the client's home (valued at around $785,000 with a $220,000 mortgage).
The outcome: Funding was unconditional in 14 days, ahead of the DPN deadline. The SBR was completed, the ATO debt resolved, and the administrator's fees and outstanding super were cleared in one step.

ATO debt · Business recovery

From the brink of insolvency to long-term stability

The situation: After COVID-19 hit their building business, a client faced mounting cash flow problems, growing tax debts and creditor pressure. The business and the family home were both at risk.
What we did: First, we arranged funding to support a Small Business Restructure and pay out a caveat loan that was straining cash flow. Six months later, with the business recovering, we refinanced the first and second mortgages and several work vehicles, with extra funds for equipment.
The outcome: The client moved from short-term distress to a sustainable repayment structure, keeping both the business and the family home.

ATO debt · Late lodgements

Jane & Colin: consolidating a tax debt into the home loan

The situation: Jane and Colin run a successful printing business. After a difficult period, two years of BAS and tax returns went unlodged, and once their accountant caught up they faced a sizeable ATO debt.
What we did: Their accountant's review showed the business was profitable, so we refinanced their property and combined the mortgage and tax debt into one loan.
The outcome: One manageable loan, with the tax debt cleared and repayments the business could comfortably cover.

Home loans

Home loans for people whose income or history doesn't fit a bank's checklist.

Self-employed

Joanne & Geoff: refinancing with 12 months of ABN

The situation: Joanne and Geoff had run their own bakery for just over a year and wanted to refinance to expand. The bank declined them because it needed two years of trading history.
What we did: We secured a loan based on 12 months of ABN, supported by their clean credit history and strong cash flow.
The outcome: Approved at a competitive rate comparable to the big banks, so they could buy a larger oven and hire an apprentice.

Unusual employment

Andrea: a home loan while on probation

The situation: Andrea started a new role as an Accounts and Administration Officer. The bank told her to wait until she had passed probation and been employed for six months.
What we did: We matched her with a lender that looks at her actual employment situation rather than a fixed waiting period.
The outcome: Andrea got her home loan without delay, at a competitive rate.

Poor credit

James: refinancing after a divorce with nine defaults

The situation: While James's divorce was being finalised, joint bills went unpaid and nine defaults were listed on his credit file. The bank declined his refinance.
What we did: With his strong employment history and a clean record of mortgage repayments, we showed he could afford a refinance that paid out every default.
The outcome: All defaults paid off and the property settlement finalised, with James keeping the house.

Property & investment

Structuring finance across property portfolios when the situation is complex.

Property portfolio · ATO debt

$852,000 ATO debt and a wind-up notice, with three properties kept intact

$1.67MFacility arranged

63%LVR

12 monthsBack to a mainstream lender

The situation: A self-employed client had an $852,000 ATO debt and a formal wind-up notice. Two of their three properties were in arrears ($22,000), with $35,000 in unpaid council rates. Total debts were $1.47M against around $2.5M in assets.
What we did: We structured a $1,667,750 private facility on a seven-month prepaid interest term, clearing the ATO debt, the mortgage arrears and the council rates in one settlement, with the exit to a mainstream lender mapped out from day one.
The outcome: The wind-up notice was extinguished and, within 12 months, the client refinanced into a mainstream loan without selling a single property.

Debt restructuring

Bringing multiple debts into one manageable repayment.

Debt consolidation · After liquidation

$641,000 refinance consolidates four debts after a liquidation

$641kRefinance approved

In fullAll debts cleared

4 → 1Debts into one loan

The situation: A couple whose company had been liquidated were now in PAYG work, but carried a mortgage, a Part 10 personal insolvency agreement, an ATO debt and a high-rate caveat loan, totalling $641,000. Mainstream lenders couldn't help.
What we did: We reviewed their income, property and repayment capacity, built a clear long-term exit strategy, and found a specialist lender with appetite for prior insolvency history.
The outcome: A $641,000 refinance was approved, clearing all four debts in full and replacing them with one principal and interest loan and a clear repayment plan.

Debt consolidation

Grant & Trish: from maxed-out cards to one repayment

The situation: When two builders Grant relied on stopped trading, this plumbing business used personal credit cards to cover costs. The business recovered, but servicing the home loan and maxed-out cards was a struggle.
What we did: We showed them the true cost of their current debts and consolidated everything into one loan with one repayment.
The outcome: Lower interest costs and better monthly cash flow for the family and the business.

Financial hardship

Peter & Monique: back on track after job loss

The situation: After Peter lost his job, the family relied on short-term loans and credit cards for everyday living costs.
What we did: Once Peter was back at work, we negotiated the credit card debts and consolidated what remained into their home loan.
The outcome: A lower overall interest rate and a monthly saving that adds up to thousands of dollars.

Could we help you too?

Every situation is different. Tell us yours and we'll give you an honest appraisal of your options.

Book a free appraisal Call 03 8696 6300

Case studies are examples only. Every application is assessed on its own merits and outcomes depend on individual circumstances and lender criteria.

Urgent matters

Received an ATO notice? Get the right support on your side first.

We don't give tax advice. Let us know what's happened and we can put you in touch with an ATO coordination expert. Once a plan is in place, we can see whether finance can help.

Talk to us now Call 03 8696 6300

Let us know

A quick, confidential chat about the ATO notice you've received.

Get ATO coordination

Based on your scenario, we can put you in touch with an ATO coordination expert.

We see if we can help

Once a plan is in place, we look at whether funding could be part of it.

Before you decide

Thinking of borrowing against your family home to pay a business tax debt?

Ask yourself: is gearing up your home, which you're personally liable for, really the smartest way to pay off a business liability? Or is it just shifting bad debt onto your family home?

Talk to an expert first, then make the decision once everything is on the table.

Connect me with an expert

Urgent matter

Received a Director Penalty Notice?

A DPN can make directors personally liable for company tax debts, and strict deadlines apply. Act quickly. We can put you in touch with an ATO coordination expert.

Connect me with an expert

Urgent matter

Received an ATO garnishee notice?

A garnishee notice allows the ATO to collect money directly from your bank account or your customers. Let us know and we can put you in touch with an ATO coordination expert.

Connect me with an expert

Urgent matter

Behind on your mortgage?

Arrears and default notices can escalate quickly. This is where we can help directly. Talk to us early about refinancing options before your lender takes further action.

Talk to us now

Fundsnational is a finance broker and does not provide tax advice. For ATO matters, we can put you in touch with an ATO coordination expert. All funding applications are independently assessed by the lender.

For referrers

Stuck on a client's file? Talk to us.

If a deal has been declined, stalled or doesn't fit the usual boxes, call us before you give up on it. We'll take a look, give you an honest view of the options and keep you informed at every step.

Talk to us about a file Call 03 8696 6300

Accountants Lawyers Mortgage brokers Financial planners

Working together

Your firmAccountant, lawyer or broker

Partnerwith a specialist for your hardest files

For accountants, lawyers & brokers

Experts in the files others decline

Refer clients with ATO debt, credit issues or declined applications. We keep you informed at every step and protect your client relationship.

Funding for clients with ATO debt, alongside your tax advice
Private and bridging finance, fast
Broker-to-broker referrals for non-conforming deals
Clear updates from appraisal to settlement

Talk to us about a file Call 03 8696 6300

No file is too hard to ask about

These are the situations referrers most often bring to us. If yours isn't here, call anyway.

Declined by the bank

A second look with specialist and non-bank lenders.

ATO debt or a DPN

An introduction to an ATO coordination expert, then funding options.

Self-employed, patchy financials

Alternative ways to verify income.

Defaults or arrears

Lenders who look at the whole story, not just the credit file.

Urgent settlement

Short-term and bridging funding when time is tight.

Complex structures

Trusts, companies, SMSFs and multiple entities.

How we work with you

We work alongside you, and your client stays your client.

For accountants

Clients with ATO debt, lodgement backlogs or a bank decline are often the ones who need finance most.

ATO debt, DPNs and garnishee notices, with introductions to an ATO coordination expert
Self-employed clients with patchy or late financials
You stay your client's trusted adviser, and we keep you updated

Talk to us about a file →

For lawyers

Property settlements, family law and estate matters often come with deadlines and no room for delay.

Refinances to finalise a property settlement
Funding for estate and deceased estate matters
Short-term funding when a settlement date is fixed

Talk to us about a file →

For mortgage brokers

When a deal falls outside your panel, refer it to us rather than letting it go.

Non-conforming and specialist lending scenarios
Clients with defaults, arrears or past insolvency
We protect your client relationship and keep you informed

Talk to us about a file →

For financial planners

When debt is getting in the way of a client's plan, we can help restructure it.

Debt consolidation to free up cash flow
Refinancing out of high-rate or short-term debt
A clear plan back to a mainstream lender

Talk to us about a file →

Call or send a summary

A quick call or a few lines about the client and what's holding the deal up.

Get an honest view

We'll tell you what's possible, usually within one business day.

Stay in the loop

We keep you updated from appraisal through to settlement.

Refer a client

Tell us about the file

A few details is all we need to start. If it's easier, just pick up the phone.

Phone03 8696 6300

Emailsupport@fundsnational.com

Refer a client

Use our secure form to send through your client's details, and a Fundsnational specialist will be in touch with you both.

A quick look at what's holding the deal up
An honest view, usually within one business day
Updates for you from appraisal through to settlement

Open the referral form

Opens our secure form in a new tab. Please share client details only with your client's consent. Prefer to talk? Call 03 8696 6300.

Loans & services

Finance built around your real situation

We work with a broad panel of specialist, non-bank and private lenders, so the answer isn't limited to one bank's credit policy.

Business & tax Home loans Property Debt restructuring

Broad lender panelSpecialist, non-bank and private lenders
Internal credit assessmentStrict credit processes and stress testing before submission
Free appraisalAn honest view of your options, no obligation

Business & tax debt

Funding for business owners with ATO debt, once a plan is in place with the right experts.

Tax debt funding
Private lending
Business & commercial

See case studies →

Home loans

Home loans for people the major banks don't understand.

Self-employed & low doc
Poor credit & arrears
Unusual employment

See case studies →

Property & investment

Structured to make the most of your borrowing capacity across entities.

Investment property
Construction & development
SMSF lending

See case studies →

Debt restructuring

Combine debts into one manageable repayment and regain control.

Debt consolidation
Complex scenarios
Divorce & estate matters

See case studies →

Not sure which loan fits?

Tell us your situation and we'll give you an honest appraisal of your options.

Book a free appraisal Call 03 8696 6300