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Restructuring & Insolvency
Financial distress can feel overwhelming but you do not have to face it alone. At Carbon, we provide business restructuring and insolvency guidance to help you regain control, protect your position and take the right next step.
Our role is clear: We assess your situation, explain your options in plain English and connect you with trusted insolvency specialists. Throughout the process, we stay by your side as your advisor and advocate.
What is Business Restructuring & Insolvency?
Restructuring and insolvency are designed to address financial difficulty:
- Restructuring: Turning around a business, improving cash flow or negotiating new terms with creditors.
- Insolvency: When debts cannot be paid, formal processes such as voluntary administration, liquidation or bankruptcy may apply.
With the right support, many businesses recover and trade through hardship.
Spotting the warning signs of financial distress and acting before it escalates
Gaining clarity on your position and exploring options to regain control
Understanding director protections and the available pathways to restructure your business
Helping creditors assess viability, protect their interests and manage communications
Connecting you with trusted insolvency firms and staying by your side throughout the process
Tailored restructuring solutionsfor your business
Every business and individual faces financial distress differently. Carbon tailors solutions to:
- Understand your obligations and risks.
- Identify restructuring or refinancing options.
- Engage insolvency practitioners quickly and effectively.
- Protect your business and personal interests.
For many, this means exploring restructuring plans, small business restructuring arrangements or Safe Harbour protections.
Business insolvency guidance for long-term success
Restructuring and insolvency do not always mean closure. With early action and clear strategy, businesses can recover and grow. Carbon helps you look beyond immediate challenges by:
- Building financial resilience for the future.
- Strengthening creditor and lender relationships.
- Embedding recovery strategies into your wider tax and business planning.
Facing financial stress? We are here to guide you.
Case study: Strategic DOCA saves $1.2M in debt
A regional maintenance company on the brink of insolvency turned to Carbon for support. With severe cash flow constraints, mounting liabilities and creditor pressure, the directors needed a path forward to avoid liquidation.
Working alongside insolvency specialists, we implemented a tailored Deed of Company Arrangement (DOCA) that included director contributions, payroll adjustments and creditor negotiations. The strategy reduced debt exposure by more than $1.2 million, stabilised cash flow and preserved both staff and supplier relationships, ensuring the business could continue trading with renewed confidence.
Restructuring and Insolvency FAQs
Restructuring is about turning a business around by improving cash flow, reducing debt and negotiating new terms with creditors. Insolvency occurs when a business or individual can’t pay their debts as they fall due, which may trigger formal processes like voluntary administration, liquidation or bankruptcy.
The earlier, the better. If you’re struggling with cash flow, facing mounting creditor pressure or unsure about meeting upcoming obligations, it’s time to talk. Early action often means more options to recover and restructure before things escalate.
Safe Harbour is a legal protection that allows directors to explore restructuring options without the immediate risk of personal liability for insolvent trading. It gives breathing space to develop a plan and potentially save the business. Carbon can guide you through whether Safe Harbour applies in your situation.
Not necessarily. Liquidation is one option but others, such as voluntary administration, small business restructuring or refinancing, may help stabilise the business. We work with you to assess all the options and connect you with the right insolvency specialists.
Think of us as your first point of contact. We help you understand your financial position, prepare the right information and then connect you with trusted insolvency experts. We stay by your side throughout the process, ensuring your interests are protected.
Yes, many businesses recover from financial distress with the right plan in place. Restructuring can provide a fresh start by renegotiating debts, improving cash flow and restoring confidence with creditors. While not every business can be saved, early intervention gives you the best chance.
We support both. If you’re a business owner, company director or an individual facing personal debt issues, we’ll guide you through your options and connect you with the right specialists.
We help creditors assess the financial viability of a debtor, protect their position, and communicate effectively during restructuring or insolvency proceedings. Our goal is to help maximise the potential for recovery.
Key documents such as recent financial statements, cash flow forecasts, debt schedules and creditor details are helpful. But don’t worry if you don’t have everything organised — we’ll help you pull it together.
Because we’re on your side from the start. Carbon gives you independent guidance, helps you weigh up your options and ensures you’re connected with the right experts. We make the process less overwhelming and give you confidence in your decisions.
Do not wait until it is too late Book a free consultation
To find out more about our FBT services and learn how they can benefit your business, submit your details below and our accountants will be in touch.
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