Ways out
Funded out, not wound up: the routes before insolvency
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 →Safe harbour and refinance
Safe harbour protects directors developing a plan likely to beat administration. How refinancing fits, the conditions that must be met, and what can void it.
Read more →Creditor settlement funding
Many creditors will accept less for a quick lump sum. How to negotiate an informal settlement, get it in writing, and fund it so the debt is closed for good.
Read more →Not sure where you stand? The debt letter triage tool counts your deadline, and the which-debt-first sorter puts several pressures in order. When you're ready, a 60-second enquiry gets a real person on it — no credit check to enquire.
See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
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