Financial distress is one of the biggest sources of anxiety for small and family business owners. So it is important to prioritise your financial wellbeing by regularly reviewing your business finances and asking for help when needed.


  • If you notice your business is struggling, don’t delay in seeking help.
  • Check lending requirements with the Australian Financial Complaints Authority (AFCA). If you are seeking a business loan, always use a lender that is an AFCA member.
  • Read your contract/agreement before signing and be aware of interest rates and penalties for non-payment. If you are unsure of anything, ask for more information.
  • Talk with someone who can help you review your financials to develop a plan to help you get back on track such as your accountant, financial/business advisor, tax agent or financial institution.
  • Speak to your local Chamber of Commerce and/or relevant industry association. They may have local resources available for small business owners experiencing financial distress.
  • Visit our mental health webpage for more information and resources to help small business owners manage their stressors.

Below is a list of programs and services for small business and family enterprise owners experiencing financial distress.