Confidential · No obligation · Free to use

Drowning in business debt? You have more options than you think.

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 60 seconds, confidentially, what's open to you.

Read how it works

🔒 100% confidential ⏱ 60 seconds, no documents ✓ No obligation

You're not the only director facing this.

Tens of thousands of Australian companies are carrying unmanageable debt right now — most of them owner-managed, most of them owed primarily to the ATO. The thing they have in common isn't poor management. It's that life happened: a customer didn't pay, a margin collapsed, an interest rate moved.

And almost all of them think their only option is to liquidate. They're wrong. Most don't know there's a faster, cheaper alternative — one where you keep running the business.

This site exists to fix that, in 60 seconds, without you having to phone a stranger first.

"I thought we were finished. I'd been losing sleep for months and was on the verge of calling a liquidator. Turns out we qualified for something I'd never heard of. We're still trading."

Director, services businessNSW · Composite illustration based on typical client journey

What relief actually looks like.

Depending on your situation, the right path looks different. The eligibility check identifies which.

Restructure under SBR

If you're an incorporated company with under $1M in unsecured debt and insolvent or near it, Small Business Restructuring can compromise the debt — including ATO arrears — while you keep trading.

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Buy time with Safe Harbour

Not technically insolvent yet but worried? Safe Harbour protection lets you trade through difficulty without personal liability risk — provided it's set up before things deteriorate.

Stop ATO recovery action

If you've received a DPN or garnishee, there are concrete steps to take in the right order — and quickly — to manage personal exposure.

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Informal workouts

For sole traders, partnerships and trusts — or smaller debt loads — direct creditor negotiation often resolves things without any formal process.

How this works.

No documents. No commitment. Just a few honest questions and a personalised result.

Answer six quick questions

Plain English. About 60 seconds. No documents needed.

See your position

Personalised — strong candidate, borderline, remediation, or alternative pathway. With a clear next step.

Book a free 30-minute strategy call

Confidential. No obligation. A specialist walks you through the options that fit your situation.

Common questions

Is this really confidential?

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.

What does it cost?

The 60-second 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.

What if I don't qualify for SBR?

Every result on this site has a next step. SBR is one tool — there are others (Safe Harbour, informal workouts, Voluntary Administration, personal insolvency) that may fit better. The qualifier tells you which.

How quickly can someone speak with me?

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.