Restructure & Trade On · independent guidance since 1988
Sometimes the business is worth saving. We’ll tell you straight.
Independent guidance on Small Business Restructuring and trading on — reorganise the debt and keep the doors open where it stacks up.
- Not a liquidator
- Not a trustee
- Paid by you, no one else
Private and confidential.
36 yrs
hands-on experience
1,000+
cases navigated
$50M+
in assets protected
100%
confidential, always
Not every distressed business needs to close. If there’s a viable business under the debt, Small Business Restructuring can let you keep trading while you deal with what’s owed — often for cents in the dollar. But it isn’t for everyone, and the eligibility rules are tight. We’ll tell you honestly whether it fits, instead of selling you a process you don’t qualify for.
What SBR is, in plain terms
Small Business Restructuring lets an eligible company propose a deal to creditors to settle its debts — while the director keeps control and the business keeps trading. It’s designed for businesses worth saving.
Who’s eligible
The rules are specific. We check this first — before anyone gets their hopes up or wastes money.
- Total liabilities under the legislated threshold (currently $1 million)
- Tax lodgements substantially up to date
- Employee entitlements such as super paid up
- The company hasn’t used the process recently
When it’s not the right move
If the business isn’t actually viable, restructuring just delays the inevitable and adds cost. Part of being independent is telling you when liquidation is the honest answer — even though it earns us nothing either way.
What we’ll do
- 1 Check eligibility before anything else.
- 2 Assess whether the underlying business is genuinely viable.
- 3 Model what a restructure could settle the debt for.
- 4 Coordinate the restructuring practitioner and the proposal.
- 5 Help you keep trading and rebuild from a clean base.
Plain-English FAQ
Can a sole trader do SBR?
SBR is for companies. Sole traders have different options. We’ll point you to the right one — see our insight on sole-trader eligibility.
Will I keep control of the business?
Yes — that’s the point of SBR. The director stays in control while the proposal is put to creditors.
What if my tax lodgements are behind?
Lodgements substantially up to date is an eligibility condition. Sometimes that’s fixable first — we’ll tell you whether it’s worth it.
How much does it cost?
It varies with the situation. We work to fixed, clear fees with no surprises, and we’ll set that out before anything starts.
Talk it through — no cost, no pressure.
Pick a time that suits you, by phone or video. We’ll talk through your situation and your options, privately. Since 1988.
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