Early Action, Better Outcomes.

Protect your business and personal assets from ATO debt, cash flow crisis, and financial distress before it's too late.

We work for you — the business owner — not the creditors. We explore every alternative before formal insolvency to protect your company record and your personal assets.

Schedule Your Discovery Call — Let's figure out how we can help you.

Trusted Australia wide
Confidential & Private
Experienced advisers

Early advice is the most powerful tool you have.

Australian Financial Advisory is a pre-insolvency advisory firm helping business owners and individuals facing ATO debt, cash flow challenges, and financial distress. Early action protects your personal assets and keeps your business future open.

Warning: The ATO is escalating Director Penalty Notice (DPN) issuance aggressively — even for debts in the tens of thousands. A DPN makes you personally liable. The earlier you act, the more options you have.

Reduce Debt

Negotiate and consolidate ATO debt and creditor obligations before they spiral out of control.

ATO payment plan negotiation
Creditor debt consolidation
Interest reduction strategies

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Restructure Your Business

Explore every option before formal insolvency. We protect your company record and your future.

Small business restructuring
Director liability assessment
Pre-insolvency planning

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Wind Down Safely

When closure is the right decision, we make sure your personal assets and company record are protected.

Asset and liability review
Personal asset protection
Managed company wind-down

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Credit Repair & Funding

Rebuild your financial position with expert credit repair and funding solutions through our broker partners.

Credit repair for individuals
Funding solution referrals
Broker partnership network

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DPN

Are You at Risk of a Director Penalty Notice?

The ATO is issuing Director Penalty Notices aggressively — even for debts in the tens of thousands. A DPN puts your personal assets at risk. Early action is the only protection.

Once a DPN is issued, the protection of the corporate structure is removed. You become personally liable for unpaid PAYG withholding and superannuation. Don't wait for the letter — act now.

Learn More About DPNs →Schedule a Discovery Call

how it works

Four Steps to a Clear Path Forward

We review your situation, assess every available option, and work directly with you to implement the right path forward.

Discovery Call

Tell us your situation — ATO debt, creditor pressure, cash flow position. No obligation. We listen and give you an honest first read on your options.

Financial Review

$3,300

We assess your full financial position — ATO exposure, creditor obligations, and every available pathway. You get a complete picture of where you stand.

Written Report

We deliver a clear written report with recommended action steps tailored to your situation. No jargon — a straight-forward plan of what to do next.

Implement & Support

We implement the recommendations in the report, working directly with the director every step of the way.

AFA

australian financial advisory

Why Choose Australian Financial Advisory?

We support business owners at the earliest stage of financial difficulty — when the most options are still available to you.

We Work for You — Not the Creditors

Unlike insolvency practitioners appointed by creditors, we represent you — the business owner. Your interests come first, every time.

Every Alternative Explored Before Formal Insolvency

Formal insolvency is a last resort. We exhaust every negotiation, restructuring, and advisory pathway before recommending it.

Formal Insolvency Appears on Company Records — We Help You Avoid That

A formal insolvency appointment stays on the record permanently. Our pre-insolvency approach protects your company history and future reputation.

Personal Assets Are at Risk from DPNs — We Act Fast

Director Penalty Notices remove the corporate veil. Once issued, you are personally liable. We move quickly to protect what you have built.

Professional, Urgent, and Reassuring

We understand that financial distress is stressful. Our approach is fast, confidential, and designed to give you clarity and a clear path forward.

the team

Experienced Advisers in Your Corner

Our team combines accounting, negotiation, and insolvency expertise — so you get the right advice at the right stage, without being pushed into a formal process prematurely.