Business debt help — keep trading while you sort it out

The commercial reality that works in your favour

Creditors generally recover far more from a workable deal than from forcing a business under — where they might get little or nothing. That simple fact is the lever behind most business debt negotiation: a smaller, certain outcome now often beats a larger, unlikely one later. We use that to negotiate reductions, interest freezes and manageable payment terms.

What can usually be negotiated

• Bank and business-loan debt — settlements, restructures, and paused interest.
• ATO debt — payment plans and, where possible, remission of interest or penalties.
• Supplier and trade debt — discounts and staged payment arrangements.

A word on personal guarantees

Many business debts are backed by a director's personal guarantee — meaning if the company can't pay, the creditor can pursue you personally. This changes how a debt should be handled, and settling the company's debt doesn't automatically release you. Where guarantees are involved we work carefully and, where needed, bring in a solicitor to protect your personal position.

When negotiation isn't the answer

Sometimes a business isn't viable even with a better deal — and in that case the honest answer is formal restructuring or insolvency advice, not a negotiation that only delays things. If that's your situation, we'll say so and refer you to a registered specialist. Getting the right advice early protects you personally.