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Small Business Restructuring (SBR)

The Small Business Restructuring (SBR) Program is a government-backed process that helps small businesses in Australia get back on their feet if they’re struggling with debt. It’s designed to be simple, quick, and cost-effective, giving business owners a fair chance to fix their finances without losing control of their company.
How It Works (In Simple Terms)
If your business owes less than $1 million, you can apply for the program.
You keep running your business while a specialist (called a Small Business Restructuring Practitioner) helps you come up with a repayment plan for your creditors.
If creditors (people or companies you owe money to) agree to the plan, your business can continue trading while you pay off debts over time.
  • Benefits for a Small Business Owner / Director
Stay in control
Unlike traditional insolvency processes, you keep managing your business during the restructuring.
Avoid liquidation
This program gives you a second chance to fix your finances instead of shutting down.
Debt relief
If creditors accept your plan, they can’t take legal action against you to recover debts.
Faster and cheaper
The process is much quicker and more affordable than other insolvency options like voluntary administration.
Keeps jobs and customers
By staying open, you protect your income, employees, and business reputation.
This program is for small business owners who believe their business can survive if given the right financial breathing room. It’s about fixing problems early and getting back on track.
At SBR Assist, we understand that facing financial distress can be overwhelming. That’s why we take on the weight of the process before it even reaches you—allowing you to focus on your business while we handle the complexities. Before you formally enter an SBR, we act as the nucleus of the process, undertaking critical pre-work to ensure a smoother transition and the best possible outcome. This includes:
  • Negotiating with the insolvency practitioner to secure a viable pathway forward.
  • Coordinating funding arrangements with the ATO to manage liabilities effectively.
  • Liaising with your accountant and creditors to align all moving parts and minimize disruptions.
  • Our philosophy is rooted in stoicism—we approach challenges with calm, disciplined and strategic foresight. We focus on what is within our control: securing stability, reducing stress, and guiding you through uncertainty with clear, decisive action. While the situation may be difficult, we stand as a steady hand, ensuring that your business can endure and emerge stronger.

  • If you have any questions or would like to discuss the next steps, please don’t hesitate to reach out.
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