Small Business Restructure Finance
Is Your Client Headed Toward Liquidation?
Your Small Business Finance Specialist
Finance X is Australia’s trusted commercial finance brokerage, working nationally with offices in Coffs Harbour and Sydney. We specialise in providing Small Business Restructure (SBR) Finance solutions – helping accountants and their clients stabilise and rebuild distressed businesses.
Is Your Client Headed Toward Liquidation? There May Be a Better Way.
Every year, thousands of viable businesses are lost to liquidation unnecessarily. In many cases, a Small Business Restructure (SBR) can offer a clear path to survival — allowing business owners to keep control, preserve value, and repay debts in a manageable, legally compliant way.
Finance X, we provide specialist SBR finance solutions
At Finance X, we provide specialist SBR finance solutions that allow struggling businesses to:
– Avoid liquidation
– Negotiate a debt restructure with the ATO and creditors
– Retain ownership and control of their company
– Access up to 5 years to repay debts under a formal plan
With a panel of over 60 lenders, we source tailored, flexible funding to support SBR proposals and provide working capital for a successful turnaround.
SBR vs Liquidation – What’s the Difference?
|
Aspect |
Small Business Restructure (SBR) |
Liquidation |
|
Control |
Directors retain control of the business |
Control passes to the liquidator |
|
Outcome |
Business continues operating while repaying debts |
Business is wound up and assets sold |
|
Creditor Negotiation |
Creditors vote to accept a restructure plan |
Creditors receive distributions from asset sales |
|
Cost |
Lower and more streamlined process |
Higher professional and legal costs |
|
Impact on Directors |
No automatic director bans |
May result in disqualification or investigation |
|
Timeframe |
Fast-track process (often within 3 months) |
Can take years to finalise |
|
Reputation |
Business remains active and avoids ‘liquidation’ stigma |
Public notice of liquidation and business closure |
Why Accountants Partner with Finance X for SBR Clients
– We understand the SBR framework and work hand-in-hand with accountants and restructuring advisers
– Fast access to capital with over 60 lenders on our panel
– Specialist guidance on how to structure funding that supports the ATO and creditor-approved plans
– Experience across industries, including trades, hospitality, construction, transport, and retail
Let’s Talk – Before It’s Too Late
If you’re an accountant with a distressed client, or a business owner facing insolvency, reach out today.
Our Small Business Restructure Finance team can step in quickly and confidentially to assess options, fund the restructure, and give your client a second chance at success.
Free Consultation & Pre-Approval in 24 Hours
Contact Finance X now to book a confidential SBR finance strategy session.
📍 Offices in Coffs Harbour and Sydney – Working with clients Australia-wide
Testimonials
FinanceX
We understand that behind every asset purchase is a bigger picture — growth, opportunity, and momentum. That’s why we go beyond rates and repayments. We take the time to understand what you’re really trying to achieve and then deliver finance that helps you get there, without the complexity.
Contact
02 9199 9668
Offices
Coffs Harbour, NSW
Sydney, NSW
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