Business debt rescue, before insolvency
Funded out of trouble, not wound up.
A director penalty notice, a garnishee, a statutory demand or a default notice doesn't have to end with administrators. Read the clock, see your options, and fund a way out with refinance, property equity or cash-flow finance.
- No credit check to enquire
- No spray-and-pray
- Real people on 03 9639 6511
Quick triage
How long do you have?
21 days
Enter the date on the letter to see your deadline.
Garnishee, default notice or winding-up application? Use the full triage tool.
Three promises, plainly
Pressure makes people wary of anyone offering help. Here's what you can hold us to.
No credit check to enquire
Telling us about the letter or the debt doesn't touch your credit file. A credit check is only discussed once you choose to proceed.
No spray-and-pray
Your enquiry isn't auctioned to a list of lenders or brokers. One team works on it, so your phone stays quiet.
A real person on your file
Someone who understands deadlines reads your enquiry and calls you. Accurate form answers let us match the right route the first time.
Letters and notices
Which letter is on your desk?
Each notice has its own clock and its own ways out. Find yours, check the deadline, and read what can still be done.
Director penalty notice
What to do → No countdownATO garnishee notice
What to do → 21 daysStatutory demand
What to do → 21 daysBankruptcy notice
What to do → Hearing dateWinding-up application
What to do → Date on noticeLoan default notice
What to do → Up to 28 daysATO warning letters
What to do → Date in letterCreditor letter of demand
What to do →Two doors
An administrator's door, or a funded way out?
Many "debt help" websites are insolvency firms looking for appointments. Sometimes that's the right door. Often, it isn't the only one.
Door one: appoint an administrator
- The administrator takes full control of the company
- A lockdown DPN isn't cleared by the appointment — only payment clears it
- Personal guarantees you've signed generally survive
- Creditors vote on the company's future about five weeks in
Door two: get funded out
- You stay in charge of the business, the staff and the customers
- Paying the ATO clears the debt and the DPN, lockdown or not
- Creditors are paid, or settle by agreement — no vote, no process
- Works when the business is viable once the pressing debts are gone
44%
of voluntary administrations reached a deed of company arrangement
56%
ended in voluntary or court liquidation
15.4%
of appointments with liabilities of $1 to $250,000 reached a deed
Source: ASIC review of VA appointments from 1 July 2021 to 30 June 2025, published July 2026. What the review means for you.
How it works
From the envelope to a plan, calmly
We keep it simple, because the last thing you need is another process.
More on how we work →- 1
Read the clock
Use the triage tool to see the real deadline on your letter, and work to the day before.
- 2
Tell us in about 60 seconds
The letter, the amount, the business and any property. No credit check when you first enquire.
- 3
A real person maps the routes
Refinance, property equity, a caveat loan, cash-flow funding or a settlement — whichever fits the deadline and the business.
- 4
The debt is paid directly
Funds go to the ATO or creditor at settlement, so the pressure ends and you get back to running the business.
Ways out
The routes that keep you trading
Refinance, property equity, caveat and second mortgage loans, unsecured cash flow funding and creditor settlements. Routes to explore while you still run the business.
Avoid liquidation
How to avoid liquidation when the pressure is building: the questions to answer first and the refinance, equity and cash-flow routes that keep you trading.
Read more →VA alternatives
Considering voluntary administration? ASIC's 2026 review shows how often VAs end in liquidation. The funded alternatives to check before appointing anyone.
Read more →Debt consolidation loan
A business debt consolidation loan can clear ATO debt, supplier arrears and short-term lenders at once. How it works, what lenders check, and when it's wise.
Read more →Caveat loan for deadlines
A caveat loan secured on property can pay out a DPN, statutory demand or default before the deadline. How it works, what it needs, and how to plan the exit.
Read more →Second mortgage for tax debt
A second mortgage to clear ATO debt keeps your first mortgage in place and stops DPNs and garnishees. When it works, the risks, and planning the exit.
Read more →Unsecured rescue funding
No property to borrow against? Unsecured and cash-flow funding sized on turnover can clear ATO debt, BAS, super or creditor arrears for trading businesses.
Read more →Property-secured
$20k – $5m
First and second mortgages, caveat loans
Unsecured and cash flow
$5k – $500k
Sized on turnover and bank statements
Credit history
Case by case
Bad credit and ATO debt considered
Early pressure
Before the formal letters arrive
The cheapest fix is the early one. If any of these sound familiar, there's still time to act without a deadline breathing down your neck.
Guides
Read this before the next envelope
Early Warning Signs of Cash Trouble: A Monthly Check
Spot cash trouble months before ATO letters arrive: a 20-minute monthly check built on official warning signs, what each red flag means and what to do.
Can't Pay the ATO? How the First Phone Call Should Go
Dreading the call to the ATO about a debt you can't pay? What to prepare, what to say, what to ask for, and how to follow up so the call actually helps.
Missed ATO Letters? Fix Your ASIC Registered Address
A DPN's 21 days start when it's posted to your ASIC address, not when you read it. Check your registered details and build a mail routine that works.
Questions
What owners ask us first
What does Remedy Finance do?
We help Australian business owners under pressure from the ATO, creditors or a lender get funded out of trouble before insolvency. That usually means paying out tax debt, a statutory demand or a defaulted loan with refinance, property equity or cash-flow funding, so the business keeps trading.
Can you help if I've received a director penalty notice?
Often, yes. A DPN gives you 21 days from the date the ATO posts it. Paying the company's debt in full clears both lockdown and non-lockdown DPNs, and property-secured or cash-flow funding is a common way to do that within the time.
Will enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check is only discussed once you've decided to go ahead with an option.
Do you send my details to lots of lenders?
No. We don't spray your enquiry across a panel of lenders. One team looks at your situation, and a real person calls you.
How much can a business borrow?
Property-secured business loans range from $20,000 to $5,000,000, as first mortgages, second mortgages or caveat loans over residential or commercial property. Unsecured, cash-flow and line-of-credit options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements.
Can I get funding with ATO debt or bad credit?
Bad credit and ATO debt are considered case by case. Lenders look at the security or trading cash flow, why the debt built up, and how the new facility will be repaid.
Should I call an insolvency firm first?
It's worth checking whether the business can be funded out before appointing anyone, because an appointment can't be undone. ASIC recognises restructuring, refinancing and new equity as alternatives to an insolvency appointment.
Do you publish interest rates?
No. Every loan is priced on the business's own circumstances, so any published rate would be misleading. When comparing options, ask for the estimated total cost of finance.
Tell us about the letter. We'll tell you the way out.
About 60 seconds, no credit check when you first enquire, and one real person on your file — not a list of lenders ringing your phone.
No credit check to enquire
No spray-and-pray
A real person on your file