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Submit your enquiry online or speak with a Surge specialist about your current restructuring arrangement and funding needs.
Exit your Small Business Restructure and move forward with confidence.
Fast, secured funding to pay out SBR arrangements in full, avoid default risk, and keep your business trading normally.
- Over 10yrs responsible lending
- Fast funding in days, not months
- Loans from $50K to $50M
- Up to 80% LVR
When restructuring plans become high risk.
For many businesses, a Small Business Restructure (SBR) provides critical breathing room with the ATO through a formal repayment arrangement. But these plans can be fragile.
If repayments are missed or the arrangement defaults, the consequences can escalate quickly, including creditor enforcement, wind-up proceedings, liquidation, and loss of business control and assets.
Funding designed to exit an SBR completely.
By exiting the SBR completely, businesses can remove the immediate risk of default and continue trading under normal conditions.
Our funding is secured against residential or commercial property, allowing directors to move quickly when traditional lenders are unable to assist. Instead of remaining constrained by restructuring obligations and escalating pressure, businesses regain stability, protect assets, and focus on rebuilding momentum.
Helping businesses regain control
Our Business Restructure Finance solutions are designed for directors and advisors managing urgent restructuring scenarios. We move quickly to provide practical funding outcomes that remove pressure and restore operational stability.
Exit the SBR in full
Pay out ATO restructuring arrangements completely and remove the ongoing risk of default.
Avoid liquidation risk
Reduce exposure to creditor enforcement, wind-up action, and loss of business control.
Continue trading normally
Stabilise operations and exit administration without the restrictions and pressure of an active restructuring arrangement.
How We Get You Funded
Fast, practical funding designed to help businesses exit restructuring arrangements and move forward.
- 1
- 2
Assessment
We assess your available property security, repayment strategy, and the amount required to exit the SBR.
- 3
Approval
Valuations and documentation are completed quickly so formal approval can proceed without unnecessary delays.
- 4
Settlement
Funds are released immediately to pay out the restructuring arrangement in full and restore business stability.
It’s so simple when you partner with Surge Finance.
- Money available from 24h of approval
- Choose 1–12m Term flexibility
- Over $300M Funding to Australian SME
Exit restructuring and regain certainty.
Speak with a Surge specialist about fast funding solutions to pay out your Small Business Restructure and keep your business moving forward.
Frequently Asked Questions
We help businesses, directors, and advisors navigate urgent restructuring situations with practical, fast funding solutions.
What is Small Business Restructuring (SBR)?
Small Business Restructuring is a formal process that allows eligible businesses to negotiate a repayment arrangement with the ATO, while continuing to trade.
What happens if an SBR defaults?
If a restructuring arrangement defaults, the ATO may resume recovery action, which can include wind-up proceedings, liquidation, and possession of assets.
How does Surge help businesses exit an SBR?
Surge provides fast, secured funding that can be used to pay out the restructuring arrangement in full, allowing the business to exit the SBR completely and continue trading normally.
What security do I need?
Residential or commercial property in Australia, supported by a clear exit plan.
Do you work with turnaround advisors and accountants?
Yes. We regularly work alongside turnaround advisors, accountants, insolvency practitioners, and legal representatives managing restructuring matters.