If you're stressed about debt, you're not alone — and there's a government-backed framework specifically designed for situations like yours. Find out in 2 minutes, confidentially, what's open to you.
Lying awake at 3am running numbers you can't make balance. The stress doesn't switch off.
Every envelope from the ATO or a supplier sits unopened on the kitchen bench for days.
Ignoring calls, screening texts, putting off conversations because there's no good answer to give.
If any of that sounds familiar — keep reading. There's something most directors in your position don't know exists.
Think of an SBR as a government-approved deal with the ATO and your other creditors. You offer to pay back a portion of what you owe — typically 20 to 30 cents in the dollar — and if they agree, the rest is wiped.
That's it. That's the whole idea.
SBR stands for Small Business Restructuring. The Australian government introduced it in 2021 for Pty Ltd companies under $1M in unsecured debt. Honest caveat: personal guarantees you've signed don't disappear, and personal liability under a Director Penalty Notice is a personal debt SBR can't touch. We'll walk you through those separately.
Concrete things SBR does — in language that doesn't need a translator.
No administrator. No "in administration" notice. You stay director, the business keeps running, customers don't have to know.
The ATO is bound by the plan along with every other unsecured creditor. Arrears typically settle at 20–30 cents in the dollar.
The company stays alive. You keep the name, the ABN, the goodwill, the team. That's the entire point of SBR.
Once the plan is voted in, creditor demands, statutory demands and garnishees against the company are paused or resolved.
Unlike Voluntary Administration or liquidation, control doesn't pass to anyone else. Your role doesn't change.
We're strategic advisors — not insolvency practitioners. We prepare the case, draft the plan, then introduce you to a registered SBR Practitioner from our trusted network. No documents needed to start.
2-minute qualifier plus a 30-minute confidential call. We confirm whether SBR fits — or another path suits better.
Overdue BAS, unpaid super — we map the order of operations so the company is eligibility-ready.
The Restructuring Plan, cashflow case and creditor-by-creditor numbers.
From our trusted network. The right specialist for your industry and circumstances.
We manage the conversations so you can keep running the business.
We stay engaged until the plan is voted in and bedded down.
No documents. No identifying yourself until the result. A clear position with a recommended next step.
Yes. The eligibility tool is anonymous until you choose to give us your details. We never share or sell data, and your enquiry is treated with the same confidentiality as any professional engagement.
The 2-minute eligibility check and the 30-minute strategy call that follows are completely free. If you decide to engage us, fees are quoted upfront before any work begins.
Not eligible? Other options exist. For sole traders, partnerships and trusts, or debt above $1M, the right tool may be Safe Harbour, informal creditor negotiation, Voluntary Administration, or personal insolvency advice. Every quiz result includes a recommended next step.
No. Personal guarantees survive insolvency. A Director Penalty Notice (personal liability for unpaid PAYG/super) is also a personal debt — SBR addresses company debts only. We help map a separate strategy for personal exposure.
For urgent matters — DPN received, garnishee, time-pressured — we aim to respond within one business hour during AEST. For non-urgent enquiries, same business day.
Why directors trust us
Specialists in Small Business Restructuring under Part 5.3B
Director-owned. Level 21, 207 Kent St — not a call centre
Same-day triage when a DPN clock is running
Trusted network of ASIC-registered SBR Practitioners
Strict privacy — no public filings, no leaks to creditors
Langford & Chase — Strategic pre-insolvency advisory
Strategic advisory only. We prepare the plan, model the numbers, and introduce a registered Practitioner from our network. We do not act as the Practitioner ourselves — keeping advice and execution properly separated.