Bank debt
Refinancing and managing bank debt
Covenant pressure, a tough annual review, a reduced overdraft or a facility the bank won't roll — what each signal means, and how established businesses refinance or restructure on their own terms.
Refinance business debt
When and how established Australian SMEs refinance business debt: leaving the bank, consolidating facilities, break costs and security releases.
Read more →Covenant breach
Breached, or about to breach, a loan covenant? How banks respond, what waivers and resets involve, and when refinancing is the better answer.
Read more →Annual bank review
How banks run the annual review of business facilities, what credit teams test, how to prepare an SME's information pack, and what to do if limits are cut.
Read more →Overdraft limit reduced
Bank cut or froze your business overdraft? Why banks reduce limits, how to respond, and replacement working capital options for established Australian SMEs.
Read more →Bank won't renew
Your bank won't renew a business loan at maturity. Why it happens, how to use the notice period, and how established SMEs refinance before expiry.
Read more →Bank wants more security
Your bank wants more security or a new guarantee. Why it happens, how to negotiate, and alternatives that keep the family home out of business debt.
Read more →Consolidate business debt
How established SMEs consolidate short-term loans, equipment contracts, cards and ATO debt into a simpler structure — and when it isn't worth it.
Read more →ATO debt
How ATO debt affects an established SME's bank facilities, credit reporting and directors — and when refinancing tax debt makes sense.
Read more →Measure before you borrow. The working capital cycle calculator shows how much cash your trading cycle ties up; the debt service cover calculator tests whether earnings carry the repayments.
See if you qualify →See what the balance sheet can support
One short enquiry, no credit check at the first step, and a specialist who calls back with structures that fit the business.
No credit check to enquire
No spray-and-pray
A specialist, not a queue