Small Business Restructuring (SBR) Finance

We provide restructuring finance to support viable small businesses navigating financial pressure, creditor negotiations, or formal restructure processes. Our funding solutions are designed to deliver immediate liquidity, preserve enterprise value, and create stability while longer-term recovery strategies are implemented. We move quickly, take a commercial approach, and structure facilities aligned to the practical realities of business recovery.

What is SBR Finance?

SBR finance is funding provided to small businesses undergoing the Small Business Restructuring (SBR) process. It gives companies access to working capital during restructuring, helping them continue trading, manage cash flow, pay suppliers and staff, and support the implementation of their debt repayment plan. It’s typically offered by specialist lenders and structured to provide stability while the business works towards recovery.

Common examples of circumstances where SBR finance may be used include:

• Cash flow pressure while implementing a restructuring plan
• ATO or statutory debt requiring structured repayment
• Trade creditor arrears impacting supplier relationships
• Urgent working capital to continue trading
• Short-term funding needed to stabilise operations
• Bridging finance ahead of asset sale or refinance
• Funding to support employee wages and essential expenses during restructure