1800 413 828

Managing debts and finances

When you run a small business, you have to learn a lot on the job – from customer service and IT to finance.

So when things aren’t going well, it can be hard to know what’s wrong and what you should do.

Don’t wait for things to get worse. If you see early signs of financial problems, get support as soon as you can to avoid deep financial difficulty.

We can give you free information and advice to help you manage your debts, understand your business finances and improve your cash flow.

When to seek help

You may not know what’s wrong or what you need, but you know something isn’t right.
Act now if:
  • your business is surviving but your income is low
  • you’re struggling to manage your cash flow – for example, payments are late
  • you’re having trouble paying your bills
  • you can’t pay your tax or BAS on time
  • you don’t think your business can recover from a disaster, such as bushfires or coronavirus (COVID-19)
  • you’re being chased for repayments
  • you’re worried about the future of your business, such as selling, succession or retirement
  • you’re thinking about closing, bankruptcy or insolvency.

Get free and confidential advice from a professional financial counsellor.
The sooner you call, the sooner we can help.

How we can help

We can discuss options for your business, no matter what your financial situation is. The earlier you get help, the more options you’ll have and the more confident you’ll feel.

We can help you:

  • understand your rights and responsibilities as a small business owner
  • understand the current state of your business
  • find ways to reduce costs and improve your cash flow
  • manage and prioritise debts and avoid getting into more debt
  • learn about handy tools to help you better manage your business and avoid financial trouble
  • understand what’s involved in closing your business.

We can also connect you with services that provide support in other ways, such as legal advice, face-to-face financial counselling and emotional support.

Who you'll talk to

When you call us, you’ll speak to a trained financial counsellor who specialises in debt management, negotiating and counselling for small business. Our service is free, independent and confidential.
We’ll give you options, tips and advice to manage your debts and get your finances under control. Find out more About us.

Get help today

We’ve helped hundreds of small business owners just like you. Don’t wait to get help, start taking control of your finances today. 
Call the Small Business Debt Helpline on 1800 413 828.