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Small Business Restructuring
Your Business Is Worth Saving. There Is a Legal Process Designed to Help.
If your business is struggling with ATO obligations, creditor pressure, or cash flow problems — and your total liabilities are under $1 million — you may qualify for the Small Business Restructuring (SBR) program. It is a formal, government-backed process that lets you reduce what you owe and keep trading.
Does Your Business Look Like This?
ATO Balance You Can't Repay in Full
Unpaid GST, PAYG, income tax, or superannuation has accumulated and the full amount is simply out of reach right now.
Creditors Are Applying Pressure
Suppliers, lenders, or the ATO are issuing statutory demands, threatening legal action, or refusing to extend credit.
Cash Flow Is Consistently Tight
Revenue is coming in but not fast enough to keep up with obligations — and the gap keeps widening.
You're Worried About Personal Liability
You've received a Director Penalty Notice or are concerned the ATO may come after you personally for the company's obligations.
The Business Itself Is Still Viable
You have customers, you're generating revenue, and the business model works — it's the accumulated obligations that are the problem, not the business.
You Want to Keep Trading
Closing the business or going into liquidation is not what you want — you want a path forward that lets the business survive.
What the SBR Program Can Do for Your Business
The Small Business Restructuring program, introduced under the Corporations Act 2001, allows eligible companies to formally restructure their obligations through a plan presented to creditors — including the ATO. The plan proposes paying a reduced amount over an agreed period. If creditors vote to accept it, the remaining balance is legally written off and the business continues with a clean slate. Directors remain in control throughout — there is no external administrator takeover. The process takes as little as 35 business days from start to finish, making it one of the fastest formal debt resolution pathways available to small businesses.
What Makes SBR Different From Other Options
You stay in control. Unlike Voluntary Administration, directors keep running the business throughout the entire SBR process.
You can reduce what you owe. The plan can propose paying less than the full amount — the remainder is written off when the plan is accepted.
Enforcement stops. Once SBR commences, ATO recovery actions — including garnishee notices and DPN recovery — are paused.
Directors are protected. A standard Director Penalty Notice can be remitted when the company enters SBR — shielding you from personal liability.
It is fast. The restructuring plan is developed within 20 business days — far quicker than traditional insolvency processes.
It is affordable. SBR is specifically designed to be a low-cost restructuring option for businesses with liabilities under $1 million.
Am I Eligible?
Total Liabilities Under $1 Million
The company's total liabilities must be less than $1 million at the time of entering the SBR process.
Tax Lodgements Up to Date
All tax returns and BAS lodgements must be up to date with the ATO at the time the practitioner is appointed.
Employee Entitlements Paid
All employee entitlements that are due and payable — including superannuation — must have been paid.
Not Used SBR in Last 7 Years
The company must not have used the SBR or simplified liquidation process within the past seven years.
Insolvent or Likely to Become
The company must be insolvent or likely to become insolvent — meaning it cannot pay its obligations as they fall due.
Viable Core Business
The business has ongoing operations and the capacity to generate income to meet the terms of a restructuring plan.
Why Choose Us
Nationwide Coverage
Registered SBR practitioners available across all states and territories.
ASIC Registered Practitioners
We work exclusively with registered SBRPs — the only professionals authorised to conduct the SBR process.
ATO Negotiation Experience
We have direct experience developing SBR plans that include ATO obligations and securing creditor acceptance.
Your Business Stays Open
We are focused on keeping your business trading — not closing it down. SBR is a survival tool, not an exit.
Free Eligibility Assessment
No cost to find out if you qualify — we review your situation and give you a clear answer fast.
How It Works
Free Eligibility Check
We review your liabilities, ATO position, and business situation to confirm whether SBR is the right path.
Practitioner Appointed
A registered SBRP is appointed — enforcement is paused and you keep running your business as normal.
Plan Developed & Voted On
A restructuring plan is developed within 20 business days and put to creditors — including the ATO — for a vote.
Fresh Start
If accepted, you pay the agreed amount and the remaining balance is legally written off — your business moves forward.