A lighthouse shining across the sea at dusk

When financial pressure builds, start with a clear picture.

Start with a private assessment for directors under pressure, then let the team review the context and identify the right follow-up conversation.

87%

Plans approved by creditors

92%

Plans completed

30-40c

Average cents in the dollar

84k

ATO penalty notices in FY24–25

Figures relate to specific formal restructuring processes and are not a prediction of any individual outcome.

You may have more options than you realise.

Running a business is never easy. Economic conditions change. Cash flow tightens. The ATO starts calling. Suppliers become impatient. Customers pay late.

Whatever challenges your business is facing, getting the facts in order early can make the next conversation more useful.

Business Recovery Helpline helps Australian business owners explain what is happening, understand broad pathways and decide whether a professional follow-up conversation may be useful.

You do not have to work out the next move alone.

Take the short assessment to explain what is happening and help the team review which follow-up conversation may be appropriate.

Start here

Is your business experiencing…

These issues are more common than many business owners realise. Asking for help early does not mean your business has failed. It means you are getting the facts in order while options may still be open.

Cash flow pressure

Money coming into the business is no longer keeping pace with wages, bills and other commitments.

ATO debt

Tax obligations are overdue, a payment arrangement is under pressure or contact from the ATO is increasing.

Creditor demands

Creditors are following up more often, issuing demands or threatening further recovery action.

Late customer payments

Customer invoices are being paid later, leaving the business short when its own commitments fall due.

Supplier pressure

Suppliers are tightening their terms, requesting payment upfront or placing supply on hold.

Declining sales

Sales, bookings or new work have slowed and current revenue is no longer covering the cost base.

Loan repayment concerns

Loan or finance repayments are becoming harder to meet, refinance or bring up to date.

Financial uncertainty

It is difficult to see the true position, know which commitments to prioritise or plan the next few months.

Working capital shortages

The business lacks the funds to buy stock, pay wages, complete projects or support normal trading.

Sleepless nights worrying about the future

Business pressure is affecting your sleep, decision-making or ability to switch off.

There are more options than you think.

The sooner the position is reviewed, the easier it usually is to see which pathways may still be open. An early assessment can help frame the next appropriate conversation.

A structured assessment can turn the pressure into a clearer set of choices.

The next conversation may cover stabilising the business, negotiating breathing room, restructuring, or planning an orderly change. The point is to understand which pathways may be relevant while decisions can still be considered.

Stabilise cash flow

  • Prioritising immediate payments
  • Improving cash-flow visibility
  • Reviewing working-capital options

Negotiate pressure

  • ATO payment arrangements
  • Creditor conversations
  • Supplier and repayment plans

Restructure while trading

  • Business turnaround planning
  • Small Business Restructuring pathways
  • Operational changes to reduce pressure

Plan a controlled next step

  • Orderly sale or closure discussions
  • Voluntary administration considerations
  • Knowing where professional advice is needed

These are general pathways only. The assessment helps organise the context so an appropriate professional conversation can follow.

How our helpline works.

The assessment is a practical first step. It helps us understand the pressure points, clarify urgency and guide you toward a more useful conversation before decisions are made.

Business Recovery Helpline

Choose the path that sounds most like your situation.

Each path leads into the same short assessment, with wording matched to what the business owner is trying to solve.

Start here