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You’re not alone — let’s fix this together.

If your business is under pressure, there’s a government-backed way to reduce your debt — without closing your doors.

When the pressure’s on, it’s hard to see a way out.

Between rising costs, slow-paying clients, and ATO debt piling up, it can feel like you're barely staying afloat. And with every call from a creditor or warning letter, the stress just builds.

We get it — and we’re here to help.

Debtfixer supports small business owners with a government-backed solution that doesn’t involve shutting your doors.

With the Small Business Restructuring (SBR) process, we help reduce what you owe — so you can keep trading, keep your team, and move forward with confidence.

A smarter way to deal with business debt.

SBR isn’t a payment plan — it’s a government-introduced process that gives small businesses real relief.

Reduce what you owe
Negotiate down your total debts, not just your repayments.


Stay in control
You keep running the business while we handle the restructure.


Quick turnaround
Typically completed in just 35 business days.


No shutdowns
Even if creditors don’t accept the plan, you stay trading.

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What to Expect:

Your Step-by-Step Process

  • Person holding and examining a document with a clipboard nearby on a desk.

    Pre-Appointment

    2-3 Business Days

    We confirm your eligibility for SBR and conduct a high-level review of your records. This is where we lay the groundwork for your restructuring plan.

  • Two people in a business meeting reviewing documents, with a laptop, a potted plant, and a clipboard on the table, and a large '202' overlayed with a financial icon.

    Proposal Period

    20 Business Days

    Together, we’ll craft a restructuring plan that suits your business. During this time, you can continue running your business.

  • Two people shaking hands during a business meeting, with documents and office supplies on the table, and a graphic icon with a handshake and gear with the number 03 overlayed.

    Acceptance Period

    15 Business Days

    Creditors vote on the plan. If more than 50% by value approve, the plan becomes binding. If not, we’ll work with you to determine the next steps.

Let's take the first step

“We’re here to help you take back control and move forward with confidence.”

— The team at Debtfixer

Case Study:
T1 Labour Services

Debt Reduced:
From $450,000 to $89,550

T1 Labour Services, a scaffolding company based in Sydney, faced overwhelming financial pressure. After the impacts of COVID-19, rising material costs, and high-interest loans, they found themselves with more than $450,000 in debt — mostly owed to the ATO and insurance bodies. Their cash flow was tight, and the business was at risk of going under.

Black and white image of metal scaffolding structure with shadows on a concrete wall, including a stairway section.

The Solution

When T1 Labour Services reached out to Debtfixer, we immediately worked with the directors to take charge of the situation.

Through the Small Business Restructuring process, we helped them submit a plan that significantly reduced their debt. Together, we tailored a strategy that involved a lump-sum contribution to creditors amounting to just 19.71% of the total debt.

Donut chart showing 19.7% debt paid via SBR and 80.3% debt reduction with respective amounts $89,989 and $366,453.

The Result

Over $360,000 in debt savings and a structured path to recovery — all within three months.

Wondering if SBR could work for you too?

Let’s have a quick, obligation-free chat to see what’s possible.

Just choose a date and time that suits you — we’ll have a 30-minute call at your convenience.
No pressure, just expert guidance.

FAQs

  • It’s a practical, government-backed way to reduce business debt — including tax debt — without losing control or shutting down.


    You stay in charge, keep trading, and a restructuring expert negotiates with your creditors.
    With rising pressure from the ATO, more businesses are turning to SBR over traditional insolvency options.

  • A lot — often up to 75%.


    We’ve seen successful reductions from $114,000 to over $850,000.
    Even the ATO is on board, regularly supporting these plans.

  • It’s much more affordable than traditional insolvency.


    You’ll typically pay a fixed fee (around $15K) and about 25% of your total debt as a lump sum to creditors.


    The result? A major debt reduction — often worth much more than what you pay.

Every business deserves a second chance.

Together, we'll find the right solution and help you get your business back on track.

You don’t have to face financial struggles alone — with our support, you can move forward with confidence.