Self-Employed? ATO Debt?
Too Many Repayments?
We Can Help
Complex income, tax debt, or multiple loans shouldn’t lock you out of a better deal.
We specialise in self-employed lending, ATO debt refinancing, and debt consolidation, including situations other brokers turn away.
Why Babo Finance?
We work with self-employed borrowers and business owners every day, including the ones other brokers turn away.
- Self-employed income is our everyday. Trust structures, add-backs, BAS statements, low-doc lending, we know how to make it work.
- We consolidate debt properly. Rolling high-interest debts into one manageable repayment, structured so it actually improves your position.
- ATO debt doesn't rule you out. We structure a way forward, not just a refusal.
How It Works
A free, no-pressure process built for self-employed borrowers and business owners. Here’s what happens when you reach out.
Let's Talk
First things first, we'll schedule a free, no-pressure consultation, either in person at our Preston office or online. We'll talk through your income, whether that's PAYG, self-employed, or a mix, any ATO debt or existing loans, and what you're actually trying to achieve. This is a genuinely confidential conversation. We're not a bank, so nothing you share here goes anywhere near a lender until you're ready.
We Build the Plan
Once we understand your full picture, we search across our panel of 30+ lenders, including specialist and low-doc lenders that mainstream banks don't offer, to find a structure that actually fits. Whether that's a lender comfortable with trust income and add-backs, a pathway around ATO debt, or a way to consolidate multiple repayments into one, we build the plan around your situation, not a generic checklist.
We Get It Done
From there, we handle the paperwork, liaise directly with the lender, and keep you updated at every step, so you're never left wondering what's happening. You keep running your business. We manage the process, the follow-ups, and the fine print, right through to settlement.
Sound Familiar?
- Your income doesn't fit a bank's standard box
- You've got ATO debt and assumed refinancing wasn't possible
- You're juggling credit cards, personal loans, or car repayments and want it simplified
- A bank or broker has already said no
If any of that sounds like you, you're exactly who we built this for.
Sterling Financial Group Pty Ltd is a Credit Represenative (494207) of Connective Credit Services Pty Ltd (Australian Credit Licence Number 389328)
Contact Us
- admin@babofinance.com.au
- (03) 9466 0250
- 0447 750 412
- Level 1, 12 Cramer Street, Preston VIC 3072
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