Business Debt Restructuring · Commercial Finance
One repayment the cash flow can carry, instead of five it can’t.
ATO arrears, short-term loans, an overdraft that never clears: facilities that no longer fit can usually be consolidated and re-termed. Tell us what the business owes and you get a straight answer.
$1.5b in settled lending
MPA Top Commercial Brokers
5.0 Google rating
Phone answered 24 hours
What happens next
Complex commercial transactions may carry a fee for service, quoted upfront: half at application, the balance only on approval. Enquiring won’t affect your credit score.
Why commercial through Evolve
Commercial is where we do our best work
Every facility, one view
ATO, overdraft, equipment finance, private loans and guarantees are laid out together, so the plan fixes the position rather than one loan.
Lenders comfortable with arrears
Deep working relationships with 15 to 20 lenders, several of which will refinance tax debt, arrears and fresh financials that the majors decline.
Alongside your accountant
Structure, tax and the ATO side stay with your accountant. We handle the lenders, and the two of us work from the same numbers.
The exit, mapped first
Where a specialist facility is the right first step, the route back to mainstream pricing is set before you sign, not hoped for later.
Example scenario
Six facilities and a tax plan, brought back under control
A commercial services business with fifteen years of trading had strong revenue and good contracts, but thinner margins. An overdraft that never reduced, equipment finance, a short-term loan, trade creditors and an ATO payment arrangement were competing for the same cash every month. We set the whole position out in one view, separated the short-term cash gap from the long-term debt, built a 13-week cash flow forecast and opened early talks with the main lender, with refinance and asset sales assessed alongside. Repayment terms were revised and the directors had a plan instead of a monthly scramble. A composite example drawn from several client files; details changed.
“It is refreshing to deal with a expert who really knows his stuff. At no time do you feel Mark and his team are not focused on delivering the very best for your situation. Thank you Mark and the team at Evolve Lending & Finance.”
Daniel, Google review
“Evolve Lending & Finance have looked after us a number of times we have always found the team to be very friendly courteous and they just get the job done we would not go anywhere else.”
Lyn, Google review
In plain terms
Corporate debt restructuring, without the insolvency label
Business debt rarely arrives all at once. It builds: an equipment loan here, an overdraft there, a tax bill deferred through a hard year, a short-term loan taken to cover the gap. Each facility made sense on its own. Together, the repayments can swallow the cash a busy business needs for wages and materials, and none of that means the business has failed.
Corporate debt restructuring is the practical fix: consolidating and re-terming what the business owes so repayments match the way cash flows. Done early, it is a lending solution, well short of insolvency. We read the whole position, work alongside your accountant and take the file only to lenders comfortable with tax debt. Where new business lending options are the answer, we arrange them; where paid business debt advice without a loan is, we say so.
Tell us what the business owes and to whom. The answer will be straight: possible now, possible with changes, or not yet, and what changes it.
How it works
From the full picture to one repayment
- Step
The first conversation
A call, usually within one business day, about what is owed, to whom, what each lender has said and when a decision is due.
- Step
Documents and the debt schedule
Financials, BAS, ATO portal statements, facility letters and a full debt schedule, read the way an assessor reads them before any lender sees the file.
- Step
The recommendation
Structure, lender, costs and any fee, in writing: consolidate, re-term, refinance the tax debt, or wait. Nothing is lodged until you agree.
- Step
Application to settlement
One complete application to the lender that fits. We manage the valuation, payout figures from each existing lender and settlement through to one repayment.
Understanding debt restructuring
The questions behind a restructure
What is business debt restructuring?
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Can ATO debt be included in a restructure?
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What do lenders look for in a restructure?
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When is restructuring the wrong answer?
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Run your numbers
What would the repayments look like?
$7,604
estimated monthly repayment
Estimate only, excludes fees. Commercial pricing is set deal by deal; enter your own rate. Not an offer of credit or financial advice.
Start with the full picture
Call 1300 112 355