Struggling with debt? An SBR plan can resolve ATO and creditor pressure for long-term stability.
Small Business Restructuring (SBR) helps you cut debt, avoid liquidation, and regain control without shutting down. If eligible, our experts create a repayment plan to put your business on the path to future growth.
Why business owners choose mySBR:
- We only proceed if your company meets all SBR requirements.
- Every plan is 100% ATO and ASIC compliant.
- 90% of SBR plans we've managed have been approved.
Book your zero-obligation meeting with an SBR expert.
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What is Small Business Restructuring?
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What to expect during a Small Business Restructure.
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Who is eligible for Small Business Restructuring?
What is Small Business Restructuring?
Small Business Restructuring (SBR) is a government-backed option for businesses under financial pressure, including those with ATO debt or creditor demands.
Eligible businesses can cut and negotiate debts while staying in control of daily operations.
SBR is a practical alternative to Voluntary Administration. It protects your relationships with staff, suppliers, and customers, and gives you a clear path to stability.
Thousands of Australian business owners have used SBR to avoid liquidation and get support from creditors, including the ATO.
What to expect during a Small Business Restructure.
The SBR process usually takes about 6–8 weeks from your first meeting to plan approval.
If approved, you can repay the agreed amount over a period up to 3 years.
Throughout the process:
- You stay in control of your company
- We work with your accountant or bookkeeper
- We engage with the ATO and other creditors before submitting your plan
- You avoid the disruption of liquidation or voluntary administration
mySBR has a near-perfect success rate because we only proceed when we’re confident the plan is achievable.
We won’t recommend SBR unless we believe it will work.
Who is eligible for Small Business Restructuring?
To qualify for SBR, your business must:
- Have less than $1 million in total liabilities
- Be up to date with employee entitlements
- Have lodged all required tax documents (BAS, income tax returns, etc.)
- Have not used SBR or simplified liquidation in the past 7 years
If you meet these criteria, you could qualify for a plan that protects your business and cuts your debts.
Ready to clear the roadblocks? Check your eligibility today.
How we've helped businesses restructure for future growth.
Our small business restructuring specialists have helped owners across a range of industries secure a lasting legacy for their businesses.
- November 2025
Restaurant
- Approximately $381k in unsecured debt
- Total restructuring contribution of $150k
- Creditors received a 32¢ return for every dollar over 36 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- November 2025
Painter
- Approximately $184k in unsecured debt
- Total restructuring contribution of $70k
- Creditors received a 30¢ return for every dollar over 18 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- May 2025
Website Developer
- Approximately $788k in unsecured debt
- Total restructuring contribution of $197.5k
- Creditors received a 20¢ return for every dollar over 18 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- October 2024
Restaurant
- Approximately $204k in unsecured debt restructured
- Total restructuring contribution of $55k
- Creditors received a 16¢ return per dollar over 1 month
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- September 2024
Plumbing Business
- Approximately $450k in unsecured debt restructured
- Total restructuring contribution of $165k
- Creditors received a 30¢ return per dollar over 12 months
- Unanimously approved plan, saving business from liquidation
- Jobs and employee entitlements protected, customer obligations continued
- July 2024
Electrical Contractor
- Approximately $320k in unsecured debt restructured
- Total restructuring contribution of $85k
- Creditors received a 19¢ return per dollar over 18 months
- Unanimously approved plan, saving business from liquidation
- Workforce protected, customer work obligations met
- August 2024
Custom Boat Builder
- Approximately $420k in unsecured debt restructured
- Total restructuring contribution of $155k
- Creditors received a 30¢ return per dollar over 24 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected, customer contracts honoured
- December 2024
Tanning Salon
- Approximately $280k in unsecured debt
- Total restructuring contribution of $77.5k
- Creditors received a 20¢ return for every dollar over 18 months
- Staff jobs and employee entitlements protected
- Unanimously approved plan, saving business from liquidation
- November 2025
Restaurant
- Approximately $381k in unsecured debt
- Total restructuring contribution of $150k
- Creditors received a 32¢ return for every dollar over 36 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- November 2025
Painter
- Approximately $184k in unsecured debt
- Total restructuring contribution of $70k
- Creditors received a 30¢ return for every dollar over 18 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- May 2025
Website Developer
- Approximately $788k in unsecured debt
- Total restructuring contribution of $197.5k
- Creditors received a 20¢ return for every dollar over 18 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- October 2024
Restaurant
- Approximately $204k in unsecured debt restructured
- Total restructuring contribution of $55k
- Creditors received a 16¢ return per dollar over 1 month
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected
- July 2024
Electrical Contractor
- Approximately $320k in unsecured debt restructured
- Total restructuring contribution of $85k
- Creditors received a 19¢ return per dollar over 18 months
- Unanimously approved plan, saving business from liquidation
- Workforce protected, customer work obligations met
- August 2024
Custom Boat Builder
- Approximately $420k in unsecured debt restructured
- Total restructuring contribution of $155k
- Creditors received a 30¢ return per dollar over 24 months
- Unanimously approved plan, saving business from liquidation
- Staff jobs and employee entitlements protected, customer contracts honoured
What is small business restructuring?
Our free guide explains how SBRs differ from Voluntary Administration and help you avoid Liquidation.
- Understand the basics of Small Business Restructuring
- Navigate the SBR process step-by-step
- How to leverage expert guidance for lasting recovery
- Explore the long-term financial benefits of company restructuring
Backed by trusted insolvency experts.
mySBR is a division of SALEA Advisory and was born out of the growing demand for effective Small Business Restructuring services. Our experienced professionals combine deep industry expertise with a caring, collaborative approach to debt restructuring.
We work side-by-side with you, your accountants and your advisors to uncover the root causes of business debt and develop a tailored plan that protects your company, preserves jobs, and builds a future beyond financial distress.
Our team is committed to finding the best possible debt restructuring solutions with the ATO and other creditors, ensuring the best outcome for you and your company.
Restructuring isn’t a new beginning; it’s a new future.
