What We Do
We Assess Every Option Before Recommending a Path
Not every business in distress needs to close. And not every business that needs to close should do so through formal insolvency. We assess the full picture before making any recommendation.
Business and financial review
We review your business structure, financials, and creditor position — building a clear picture of what you owe, who you owe it to, and what options remain available.
Small Business Restructure assessment
We assess whether a formal Small Business Restructure (SBR) is available to you — a process that allows eligible directors to restructure debts while remaining in control of their business.
Administration and liquidation options
Where restructuring is not possible or not appropriate, we assess administration and liquidation options — and help you understand the implications of each before committing to anything.
Written report and specialist referral
We issue a written report with clear recommended action steps, then refer you to the right specialist in our network to execute the pathway — whether that is restructuring, administration, or an orderly wind-down.
Small Business Restructure
The Small Business Restructuring process allows eligible businesses to restructure debts while the director remains in control — unlike administration, which appoints an external controller.
It is less disruptive, less expensive, and carries a lighter long-term stigma than voluntary administration or liquidation.
It requires early action. Once cash flow collapses and the business cannot meet its obligations, the SBR pathway may no longer be available.
Voluntary Administration
Voluntary administration gives your business breathing room — it pauses most creditor action while an administrator assesses options.
The outcome may be a Deed of Company Arrangement (DOCA) that restructures the business and allows it to continue, or an orderly wind-down if that is the better outcome.
If Liquidation Is Inevitable — Choose Your Own Liquidator
This is one of the most important decisions you can make in a distressed situation.
A liquidator appointed by creditors works for the creditors — not for you. Their job is to recover money for the people you owe.
A liquidator you choose through our network understands your position from the outset — and can manage the process in a way that protects directors where possible.
Early engagement means more control over the outcome — and directors who act first are in a far stronger position than those who wait for a creditor to force the issue.
Do not wait for a creditor to appoint a liquidator against you. By the time that happens, you have lost all influence over the process.
The information on this page is general in nature and does not constitute legal, financial, or insolvency advice. Australian Financial Advisory Pty Ltd provides assessment and advisory services only. All specialist services are referred to appropriately licensed partners. You should seek independent professional advice before acting on any information on this page.
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