Helpline

1800 413 828

Paying Your Bills

The costs of running a small business can add up quickly.

When you’re doing it tough, it can be easy to fall behind on your regular payments. Sometimes this can even lead to the threat of legal action against you.

If you’re worried about cash flow, services being disconnected, or you owe money to suppliers, there are steps you can take to get on top of your debts. The most important thing is to get help now.

When to seek help

Sometimes it can be hard to know when to reach out.
You may think your business is surviving or that it’s going to get better. Recognising that things aren’t going well is important – you can get help. But the longer you leave it, the more difficult things can become. Act now if:
  • you’re worried about your financial situation and don’t want things to get worse
  • you have overdue bills that you’re struggling to pay
  • your business suppliers are chasing you for money
  • you’re locked into a contract, such as a commercial lease, which you can’t afford
  • you’ve been threatened with legal action, repossession or you’ve received a court order.

Get free and confidential advice from a professional financial counsellor.
CALL THE SMALL BUSINESS DEBT HELPLINE TODAY ON 1800 413 828.
The sooner you call, the sooner we can help.

How we can help

We’ll listen to you to understand your situation. Together, we can talk through your options to find the right solution for your business.
We can give you advice on:
  • your rights and responsibilities as a small business owner
  • talking to business suppliers and service providers about your situation
  • negotiating a repayment arrangement – for example, paying in instalments
  • asking for a payment deferral or extension
  • dealing with disputes
  • government grants and concessions.
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.

Don’t wait to get help, start taking control of your finances today.

Call the Small Business Debt Helpline on 1800 413 828

Support Line Hours

  • Mon to Fri: 9am to 5.30pm AEDT

Get Help

Quick Links

ABOUT US

  • The Small Business Debt Helpline was set up in 2020 by Financial Counselling Australia (FCA) with funding from the Australian Government. The Helpline was originally established as the Small Business Bushfire Financial Counselling Support Line.