2-minute confidential assessment
Which best describes your situation right now?
🔒 Anonymous · ⏱ 2 minutes · ✓ No obligation
Think of an SBR as a government-approved deal with the ATO and your other creditors. You offer to pay back a portion of what you owe — typically 20 to 30 cents in the dollar — and if they agree, the rest is wiped.
That's it. That's the heart of it.
SBR stands for Small Business Restructuring (government-introduced 2021, for Pty Ltd companies under $1M unsecured debt). Honest caveat: SBR cannot clear personal guarantees or personal liability under a Director Penalty Notice — those are personal debts and need a separate strategy.
Each result includes a recommended next step.
Small Business Restructuring — the 2021 framework that settles company debt at cents in the dollar while you keep trading.
Behind on lodgments or super — fixable in the right order before formal restructuring becomes available.
Voluntary Administration — used when debt exceeds the SBR cap or secured creditors are complex.
Director Penalty Notice — makes you personally liable for unpaid PAYG/super. 21-day clock or automatic on lockdown.
Section 588GA — lets directors trade through difficulty without insolvent-trading liability, if set up correctly.
Direct ATO or creditor negotiation — often the right tool for smaller debts or non-Pty-Ltd structures.
Five outcomes that distinguish SBR from liquidation and Voluntary Administration.
No administrator. Director stays in day-to-day control of the company throughout the 35-day process.
ATO bound by the plan along with all unsecured creditors. Typical settlement: 20–30 cents in the dollar.
~35 business days for SBR. Voluntary Administration runs 6+ months end-to-end.
Typically under $25,000 in practitioner fees. VA routinely runs $80,000 or more.
Not publicly advertised the way liquidation is. The company keeps its name and trades through.
Langford & Chase prepares the eligibility position, the Restructuring Plan and the financial modelling, then introduces you to a registered SBR Practitioner from our trusted network. The two roles are deliberately separate — we work for you on strategy; the practitioner runs the statutory process.
Confidential 30-minute call. Confirms SBR fit — or recommends a better-fitting framework if appropriate.
Overdue BAS, super arrears — fixed in the right order so the company is eligibility-ready.
The Restructuring Plan, creditor numbers and cashflow case to ATO-vote standard.
Registered SBR Practitioner from our trusted network, briefed and ready.
We manage the conversations. You keep running the business.
Ongoing engagement until the plan is voted in and bedded down.
Six questions. Sixty seconds. A clear position and a real next step — whatever your situation.
The qualifier flags this in question 6 and routes you to an urgent call. DPNs are time-critical — even where personal liability has locked in, options remain.
No. A DPN is a personal debt; personal guarantees survive insolvency. SBR addresses the company's debts only. We map personal exposure separately.
The ATO can pursue personal assets where a DPN has converted to personal liability. It's a process, not automatic — but it's real. Acting before personal liability locks in is the entire point.
No. Engaging professional advisors does not trigger any ATO notification. Your enquiry is entirely confidential.
The qualifier and initial strategy call are free. Any engagement after that is quoted upfront before work begins.
Why directors trust us
Specialists in Small Business Restructuring under Part 5.3B
Director-owned. Level 21, 207 Kent St — not a call centre
Same-day triage when a DPN clock is running
Trusted network of ASIC-registered SBR Practitioners
Strict privacy — no public filings, no leaks to creditors
Langford & Chase — Strategic pre-insolvency advisory
Strategic advisory only. We prepare the plan, model the numbers, and introduce a registered Practitioner from our network. We do not act as the Practitioner ourselves — keeping advice and execution properly separated.