The Small Business Debt Helpline is a free and confidential service supporting Australian small business owners and sole traders who are experiencing financial difficulty.

Staffed by a team of qualified and independent financial counsellors, the Helpline provides free, practical advice and clear guidance through phone and online chat to help you regain control of your financial situation.

Services include:

• Provides free, confidential and independent financial counselling for small business owners and sole traders
• Helps you understand business and personal debts, including personal guarantees
• Assists with negotiating payment arrangements with the ATO, creditors, suppliers and service providers
• Offers guidance on grants, training and government support programs
• Provides support during financial crises such as natural disasters or economic hardship
• Helps assess business viability and available options moving forward
• Provides information on closing a business, including insolvency and bankruptcy processes
• Refers you to dispute resolution services where appropriate