What actually happens, step by step.

Fifteen to thirty minutes, usually by phone. You tell us the honest position — what is owed, to whom, what is secured and what is not, and what has already been tried. We do not need documents yet. We need the truth early, because the whole plan is built on it.

We collect the file: ATO integrated client account, BAS lodgement status, last two years of financials and tax returns, bank statements, existing loan statements, and a credit check with your consent. If lodgements are behind, that becomes the first job — most lenders cannot assess a file that the ATO has not been told about either.

We tell you what we think is achievable, what it will likely cost, and what it will not solve. If the answer is that consolidation is the wrong tool for your situation, you hear that here, in plain words, before you have spent anything.

We work out which security to use, which lender type fits, and in what order things need to happen. A file with a deadline on it — a director penalty notice, a garnishee, a statutory demand — gets structured for speed first and price second, and we say so.

We package the application properly and present it to the lender with the story attached. A tax debt in a file is not automatically a problem; a tax debt with no explanation almost always is. This is where forty-plus lenders and a well-written submission earn their keep.

The lender assesses, usually comes back with conditions, and we work through them. Valuations, further documents, clarifications. We chase them so you do not have to, and we tell you when something is going sideways rather than letting you find out.

Documents are issued, signed and settled, and the debts are paid out directly wherever possible so nothing is left half-done. You get one facility, one repayment and one date.

We stay long after the paperwork is signed. Rates move, businesses change, and a structure that fit last year may not fit next year. An annual review costs you nothing and occasionally saves a great deal.