Will you lend to me with a credit or tax hiccup?

Often, yes. A default doesn't automatically rule you out of a business loan. Lenders look at how big it was, how old it is, whether it's been paid and what's happened since.

Yes, often. Being on an ATO payment plan that you're keeping up with shows a lender you've faced the tax debt and are managing it.

Case by case. Unmanaged ATO debt worries lenders because it can escalate — credit bureau reporting, garnishees, director penalty notices.

Possibly, once you've been discharged. Lenders generally won't lend to someone who is still bankrupt, but a discharged bankrupt can be considered, especially with property security.

It's limited while the agreement is running, and case by case after it ends.

Case by case. A court judgment tells a lender a creditor went to court to recover a debt, which is more serious than a default.

Often, yes.

Usually, yes, with an explanation. A cluster of recent credit enquiries makes lenders wonder whether others have already said no, or whether you're taking on several debts at once.

Case by case. A past liquidation doesn't automatically stop you borrowing for a new business, especially if you weren't disqualified and there are no personal debts left over from it.