ATO Debt & Financial Trouble
Director Penalty Notice (DPN) Stopping ATO Legal Action ATO Payment Plans Tax Debt Negotiation Small Business Restructuring Debt Consolidation & Credit Repair Bankruptcy, Administration & LiquidationTax & Legal
Tax Planning & Compliance ATO Dispute Resolution Corporate & Business Law Property & Investment Tax International TaxWhen debt is closing in, restructuring can be the difference between losing everything and getting a genuine fresh start. We help small business owners protect what they've built and find a clear way forward.
Most businesses can be saved
Talk to us before assuming the worst. There are usually more options than you think.
Protect your personal assets
We structure things properly so your home and savings aren't at risk.
Reduce what you owe
Restructuring can significantly reduce your debt exposure and creditor obligations.
Keep trading
The goal is to keep your business open and operating — not shut it down.
Small business restructuring is a formal legal process that allows eligible businesses to restructure their debts while continuing to trade. It's not bankruptcy — it's a tool designed to give businesses a genuine second chance.
You stay in control of your business throughout the process. Unlike administration or liquidation, restructuring keeps you at the wheel while we work with creditors to reach a viable arrangement.
Small Business Restructuring Plan (SBR)
A formal plan under the Corporations Act for businesses with less than $1M in liabilities. You propose a repayment plan and creditors vote on it.
Asset Protection Restructuring
We restructure your business entities to protect personal assets — your home, savings, and personal finances — from business creditors.
Creditor Negotiation
We negotiate directly with creditors — including the ATO — to reach settlements and payment arrangements that allow the business to survive.
A clear, step-by-step process — and we're with you at every stage.
Free consultation — we assess your situation
We review your business, your debts, and your options. We give you an honest picture of what's possible — including whether restructuring is the right path for you.
We develop a restructuring strategy
We design a plan tailored to your business — whether that's a formal SBR plan, asset protection restructuring, or creditor negotiation.
We handle creditors and the ATO
We communicate with all creditors on your behalf — negotiating terms, managing the legal process, and keeping collection activity at bay.
Your business gets a fresh start
Once the restructure is in place, you have a clear path forward — reduced debts, protected assets, and a business that can keep trading.
Most businesses can be saved. Find out your options in a free, confidential 15-minute call.
No — quite the opposite. Restructuring is specifically designed to keep your business open and trading. Unlike liquidation or administration, you remain in control of your business throughout the process. The goal is a viable future, not a closed door.
To access the formal SBR process, your business generally needs to have total liabilities under $1 million and be up to date with employee entitlements and tax lodgements. If you don't meet these criteria, there are still other restructuring options available — we'll explore all of them with you.
Creditors — including the ATO — generally prefer to recover something rather than nothing. A well-structured plan that offers a realistic repayment is usually more attractive to creditors than the alternative of liquidation. We know how to put forward a compelling case.
The formal SBR process typically takes around 35 business days from appointment to creditor vote. Other restructuring approaches may take longer depending on complexity. We'll give you a clear timeline after assessing your situation.
Your first call is completely free. After that, fees depend on the complexity of your situation. We offer fixed-fee options wherever possible and will always be transparent about costs before we start any work.
Tax Debt Negotiation
We work to reduce what you owe the ATO — often a key part of any restructuring plan.
Learn more →Director Penalty Notice (DPN)
Restructuring often goes hand in hand with DPN issues. We handle both simultaneously.
Learn more →Bankruptcy & Liquidation
If restructuring isn't the right path, we'll explain all the alternatives honestly and without pressure.
Learn more →No obligation, no pressure. Just honest advice about what's possible for your business.
