As Seen On
Our team has appeared across Australian media to discuss small business restructuring and the options available to directors managing business debt.
Watch Our Media Appearances Small Business Restructuring
What Is It and How Does It Work?
Small Business Restructuring (SBR) is a formal process under the Corporations Act 2001, introduced by the Australian Government to give eligible small businesses a structured way to manage company debt — without requiring directors to hand over control of their business.
Unlike voluntary administration, where an external administrator takes charge, SBR allows directors to remain in control of day-to-day operations while working with an appointed restructuring practitioner to develop a plan for creditors.
SBR may be suitable for directors who want to continue trading while formally addressing outstanding debts, including ATO liabilities, supplier accounts, and business loans.
Learn More About SBREligibility at a Glance
To access SBR, a company generally needs to meet the following criteria:
- Currently incorporated as a company (Pty Ltd)
- Total company debts under $1 million (excluding employee entitlements)
- All tax lodgements (BAS, super, income tax) are up to date
- Company and directors have not used SBR within the past 7 years
~35 Business Days Typical process timeframe from start to finish
Our Process
How It Works
1
Check Your Eligibility
Use our 30-second assessment to see if your business qualifies for Small Business Restructuring.
2
Speak With Our Team
We'll assess whether restructuring is the right fit for your situation and explain how the process works.
3
Financial Review
We review your accounts, debts, liabilities, and creditor positions to build a clear picture of your financial standing.
4
Engage a Practitioner
Once eligible, you formally appoint a registered restructuring practitioner to manage the process.
5
Restructuring Begins
The formal process commences — a restructuring plan is developed and put to creditors, typically within 35 business days.
Our TestimonialsWhat Customers Say
What Customers Say
About Our Services
I was very hesitant at first to trust any one with my financial future, however 2 years on and I can say the stress, tears and fears of having no future are over!!I got to a very dark place over debt,however now it’s settled and I can breathe again!!I cannot overstate the caring, humane and genuine experience I have had working with Laurence.I would definitely recommend
Sharyn Calf
GoogleTrust the Process and Dont be hesitant! I had fallen victim of a Scam and a loan of 40K with 17% Interest rate by CBA during pandemic which resulted me to look for a debt negotiator. I had 50K Gross yearly salary at that time due to Job Keeper. I have found credit reboot and due to my scam experiences at first I was hesitant to deal with someone virtually. They however have given me monthly updates to keep me at peace. The process took nearly two years for me as CBA sold my debt to 3rd party however the great news came about that CBA took back the loan amount for me and waived my entire debt - without impacting my credit report. I worked hard with two jobs to be able to save up an amount I assumed payable once negotiaton end but due to debt waiver I am now able to allocate this funds to something more important. I can now finally put the debt and scam memories past behind me and start again.
Charles
Trust PilotDebts reduced or cancelled with great service! I engaged credit reboot to manage my excessive credit card debt. I’ve repaid most at a significant debt reduction or payment plan. Thanks for the excellent service!
michael david MCDONALD
TrustPilotGREAT OUTCOME !!! Had a great experience. Dyan was very helpful and keep you posted from time to time. It takes a bit of time for negotiations, but there's a great results at the end. Highly recommended! Thanks for all your help.
Dante Estanislao
TrustPilotExcellent service and support with an outstanding outcome
Juanino Caruana
TrustPilotGreat results! Is been a long process due to the virus, but thank God now everything is getting sorted out. I had few cards that I had to pay but cause of the virus I could not work for few months then I got sick and could not work at all. They arrange up to now 3 of my cards. One I had to pay only $1340 on dept of $6000. Second one monthly payment of $66 on depth of $6000. The best one was the third one they erased my debt of $4000 completely. One more to go. I am grateful for their help.
Asimina
ProductReviewFast and efficient! Thanks for your amazing service! Mark was so efficient in finding a fast solution for my business needs. Very grateful!
Stacey F.
ProductReviewGreat debt negotiators! Very helpful and friendly team who were able to find resolutions to all of my debt.
CJB
ProductReviewFantastic Service and Support! The staff have been so helpful and supportive with excellent results to sort out my situation
Brian from Queensland
ProductReviewBrilliant service! Said exactly what they would do neg and saved me money