SMALL BUSINESS RESTRUCTURING
Restructure & Keep Trading.
ATO Debt. Director Penalty Notices. Statutory Demands. Cash Flow Crisis.
Formal restructuring under the Corporations Act for companies under $1M in liabilities. Submit your details for a free eligibility check.
4.9 / 5.0 Rating
20+ Years
Experience
531570
Australian Credit Licence
Small Business Restructuring (SBR) Program
A Faster, Simpler Way to Restructure Your Business Debt — Without Losing Control.
The Small Business Restructuring (SBR) program gives eligible companies a formal, affordable pathway to restructure their debts and keep trading — with directors staying in control of day-to-day operations.
Is Your Business Struggling With These Issues?
ATO Tax Debt
Unpaid GST, PAYG withholding, income tax, or superannuation obligations you can no longer meet on your own.
Creditor Pressure & Demands
Suppliers or creditors are issuing statutory demands or threatening legal action to recover outstanding debts.
Cash Flow Shortfall
Revenue is insufficient to cover ongoing business obligations, leaving you consistently behind on payments.
Director Liability Risk
You are concerned about personal liability for insolvent trading or unpaid superannuation and tax obligations.
Viable Business, Unviable Debt
Your business is fundamentally sound but weighed down by accumulated debt that prevents it from moving forward.
Facing Insolvency
The business is at risk of being wound up but you want to keep trading and avoid a full liquidation process.
From Where You Are to Where SBR Takes You
ATO Debt That Keeps Climbing
GST, PAYG, and superannuation arrears growing faster than you can clear them — with interest and penalties adding pressure every month.
A Formal Plan That Restructures What You Owe
SBR lets you propose a single restructuring plan under the Corporations Act — giving eligible companies a structured way to settle historic debts under terms agreed by creditors.
Director Penalty Notices Arriving
DPNs from the ATO are landing in your mailbox, exposing you personally to liability for unpaid company tax debts.
DPN Exposure Addressed Through a Legal Process
Entering SBR engages a recognised restructuring pathway, giving directors a formal, government-backed framework for responding to personal liability exposure.
Statutory Demands and Creditor Action
Suppliers and creditors are issuing statutory demands or threatening winding-up action to recover what they're owed.
Creditor Action Paused While Your Plan Is Built
Once SBR begins, a statutory moratorium applies to most unsecured creditor enforcement action while the restructuring plan is developed and put to a vote.
Cash Flow Too Tight to Keep Up
Revenue is coming in but every dollar is being swallowed by historic debts, leaving nothing to reinvest or stabilise operations.
A Clean Slate to Trade Forward From
An accepted SBR plan settles historic debts under agreed terms, freeing up current cash flow to run and grow the business.
Worried About Losing Control of the Business
Traditional insolvency options like Voluntary Administration or liquidation hand control of your company to an external administrator.
Directors Stay in the Driver's Seat
Under SBR, you continue running day-to-day operations while the Small Business Restructuring Practitioner works with you on the plan.
Worried Winding Up Is the Only Way Out
It feels like liquidation is inevitable, meaning the end of the business you've spent years building and potentially personal financial fallout.
A Real Alternative to Shutting the Doors
SBR gives viable businesses a formal, legal pathway to keep trading — built specifically for companies under $1 million in liabilities.
What Is the Small Business Restructuring (SBR) Program?
Introduced in January 2021, the Small Business Restructuring (SBR) program is a formal restructuring process under the Corporations Act 2001 designed specifically for small businesses.
Unlike traditional insolvency processes, SBR allows directors to remain in control of their business throughout — while a registered Small Business Restructuring Practitioner (SBRP) works with the business to develop a restructuring plan to present to creditors.
Creditors then vote on the plan, and if accepted, the business can continue trading under the agreed terms. The SBR process is faster and more affordable than Voluntary Administration, making it an accessible option for eligible companies that have a viable future but need formal relief from accumulated liabilities.
Who Is Eligible for the SBR Program?
Total liabilities of less than $1 million at the time of entering the SBR process.
All tax lodgements are up to date with the ATO at the time of appointment.
All employee entitlements including superannuation that are due and payable have been paid.
The company has not used the SBR or simplified liquidation process in the past seven years.
The company is insolvent or likely to become insolvent, and the directors want to restructure rather than wind up.
The business has a viable core operation that can continue trading under a restructured debt arrangement.
Why Choose Us
Practitioners Across Every State
Registered SBR practitioners available across all states and territories.
ASIC Registered Practitioners
We work with registered Small Business Restructuring Practitioners (SBRPs) as required under the Corporations Act.
Directors Stay in Control
Unlike Voluntary Administration, SBR lets you keep running your business while the restructuring plan is developed.
Affordable & Streamlined Process
SBR is faster and less costly than traditional insolvency options — designed specifically for small business budgets.
Free Initial Assessment
No cost to assess your eligibility — we review your situation and advise whether SBR is the right option for you.
How the SBR Process Works
Explore your options before it escalates.
Free Eligibility Assessment
We assess whether your business may meet the SBR eligibility criteria and explain your options clearly.
Practitioner Appointment
A registered SBRP is appointed, while you remain in control of day-to-day operations as the restructuring plan is prepared.
Restructuring Plan
A restructuring plan is developed within 20 business days and presented to creditors for voting.
Plan Accepted & Moving Forward
If creditors accept the plan, your business can continue trading under the agreed terms and move forward with greater clarity.
Frequently Asked Questions About SBR
Straight answers to the questions directors ask before starting the Small Business Restructuring process.
How is SBR different from liquidation or Voluntary Administration?
Am I still personally liable if my company enters SBR?
What if creditors reject the restructuring plan?
What happens to my ATO tax debt under SBR?
Who Should Consider the SBR Program?
Small Business Owners
Owners of incorporated small businesses with total liabilities under $1 million who want to restructure and keep trading.
Businesses with ATO Debt
Companies carrying significant ATO debt that is preventing growth and attracting enforcement action.
Directors Facing Personal Liability
Directors seeking to limit exposure to insolvent trading claims while keeping their business operational.
Viable But Over-Indebted Businesses
Businesses with strong operations that have accumulated debt and need a formal plan to move forward debt-free.
Businesses Facing Statutory Demands
Companies that have received statutory demands and need a formal restructuring solution to avoid winding-up.
Hospitality, Retail & Trade Businesses
Cafés, retailers, and tradies carrying ATO debt and supplier pressure built up through tighter trading conditions.
Your Business Could Qualify — Find Out Today
The SBR program was designed for businesses exactly like yours — viable, working hard, but weighed down by debt. If your total liabilities are under $1 million, you may be eligible for a faster, simpler path to financial recovery. Get a free eligibility assessment today.
Real Reviews By Real Persons
Helped Us Regain Control
We had multiple financial pressures building up. Taking a structured approach helped us regain control and make better decisions for the business.
Practical and Business-Focused
What stood out was the practical nature of the process. It wasn’t theoretical — it was focused on real business conditions and realistic outcomes.
A Structured Approach Made the Difference
Instead of reacting to problems, we were able to step back and look at the bigger picture. That shift in approach made a noticeable difference to how we managed the business.
Clear Direction When We Needed It Most
We were dealing with ongoing cash flow pressure and needed clarity on what steps to take. The process helped us understand our position and move forward with more confidence.
Find Out If Your Business Qualifies for the SBR Program
Compliance & Privacy Policy
Restructuring and ATO debt support is offered through MCR Partners Pty Ltd, holder of Australian Credit Licence 531570.
We work alongside a registered Small Business Restructuring Practitioner and support you through the process step by step, so you always know where things stand and what comes next.
This is a legal, transparent, and government-backed process designed to help eligible companies and trusts manage tax debt while staying in control of their business and day-to-day operations.
Any examples of savings or outcomes shown on this website are based on real client matters. Because every business is different, results will vary depending on your circumstances, eligibility, and the options available to you.
The information on this website is general in nature and is not personal financial advice. Specific guidance can only be provided after understanding your situation in detail.
We treat your privacy with care. Any details you share with us are kept private, secure, and confidential in line with the Privacy Act 1988 (Cth).
We do not sell your information or pass it around to unrelated third parties. Your information is only used to assess and assist with your enquiry, unless disclosure is required by law or authorised by you.