AVA Advisory

30/09/2025

Debt isn’t the end of the story and for many small businesses, it’s the start of a stronger future. Through Small Business Restructuring, we help owners reduce debt, protect jobs, and keep doors open.

📌 If financial pressure is weighing on you, know there are options worth exploring.

18/07/2025

Another strong outcome for a valued client!

We’re proud to have supported the successful approval of a Small Business Restructuring (SBR) plan, resulting in over 80% of company debt being reduced - a total of $565,000+ in savings.

This outcome reflects our client’s proactive mindset and commitment to tackling financial challenges head-on. It’s been a pleasure guiding them through the process and delivering a sustainable solution that protects their business and future growth.

If you or someone you know is under financial pressure, reach out to learn how we can help.

16/07/2025

July 2025 Market Insights:
1,504 insolvencies.
A new sector in the top five.
ATO enforcement ramps up.
And ASIC sharpens its focus on creditor conduct.

This month’s report reveals where credit risk is quietly escalating, and what that means for lenders, credit teams, and business operators heading into H2.

⚠️ Key risk signals we’re seeing
📉 Trade defaults rising again
📍 Logistics, retail, and services under pressure

Tap the link in bio to read the full July report.

14/07/2025

Sounds backwards, but here’s why:

When you close a loan (especially a long-standing one), you also close off:

✖️ Your repayment history
✖️ Your credit mix
✖️ The length of your credit file

Think of it like removing a gold star from your record, your score may dip temporarily, even if it feels like a win.

📊 Still worth it? Usually, yes - debt-free is a flex. But it’s helpful to know why scores sometimes react this way.

11/07/2025

That old ATO bill you’ve been meaning to get to?
It might be hurting your credit score now more than ever.

🧾 Since 2022, certain unpaid tax debts can be disclosed to credit reporting agencies, especially if they’re:

✔ Over $100,000
✔ 90+ days overdue
✔ Not actively managed (payment plan, dispute etc.)

If you’ve seen a dip in your score recently, this might be why.

📌 Save this post if you’ve got tax debt in the background.

10/07/2025

Sometimes your credit score shifts even when nothing’s changed on your end.
Confusing, right?

Here’s what can quietly impact your score:
🔹 ATO debt being reported
🔹 Increased credit inquiries
🔹 Higher credit utilization
🔹 Changes in reporting frequency by lenders

👉 Ever seen your score drop and wondered what caused it? Drop a 💬 if this has happened to you.

25/06/2025

Another outstanding result for one of our clients!

With the support of AVA Advisory, this business successfully navigated financial challenges through a small business restructuring (SBR) plan, achieving a massive 98.73% reduction in company and trust debt.

That’s over $427,000 saved! What is even more remarkable? The inclusion of trust debt in the restructure - an exceptionally rare outcome, especially with the ATO.

Congratulations to our clients on their perseverance and proactive approach. We’re proud to be part of your journey.

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14/05/2025

Another win for one of our clients!

We’ve just helped another Australian business achieve an incredible 82% reduction in company debt. Saving them over $250,000 through a tailored SBR solution.

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18/02/2025

When a business encounters financial difficulties, there are various insolvency options available. Whether you’re a company director managing a struggling enterprise or an advisor guiding one, liquidation is a potential outcome. Surprisingly, even profitable businesses may choose liquidation in certain circumstances. But why does this happen, and what does liquidation involve? Let’s break down what business liquidation means, the process, and why it might be the right choice for some businesses.

https://avaadvisory.com.au/understanding-business-liquidation-in-australia/

When a business encounters financial difficulties, there are various insolvency options available. Whether you’re a company director managing a struggling enterprise or an advisor guiding one, liquidation is a potential outcome. Surprisingly, even profitable businesses may choose liquidation in ce...

12/02/2025

The Australian Taxation Office (ATO) has ramped up its enforcement efforts against businesses failing to meet their Goods and Services Tax (GST) and Pay As You Go (PAYG) withholding obligations. With billions in unpaid tax liabilities affecting the economy, the ATO is taking a firm stance on compliance. If your business has outstanding GST or PAYG debts, now is the time to act.

The Australian Taxation Office (ATO) has ramped up its enforcement efforts against businesses failing to meet their Goods and Services Tax (GST) and Pay As You Go (PAYG) withholding obligations. With billions in unpaid tax liabilities affecting the economy, the ATO is taking a firm stance on complia...

30/01/2025

Imagine owing over $1 million in personal debt, feeling trapped with no way out. That was the reality for one of our clients—until they came to AVA Advisory.

Through expert negotiation and a strategic financial plan, we helped reduce their tax debt by over 99%, giving them a fresh start and a future free from financial stress.

No one should have to carry the burden of unmanageable debt alone. If you're struggling, reach out to us today—because the right advice can change everything.

Send us a message to find out how we can help.