Our Services
Practical advisory, built around where your business is right now.
No two businesses arrive at financial distress the same way, and no two paths out look the same either. Our services are designed to meet you at your current stage - from early warning signs through to planning and execution - and to give you a clear, honest view of what's genuinely achievable.
Pre-Insolvency Advisory
What it is: A confidential assessment of your business's financial position, obligations, and risk exposure — conducted before insolvency becomes unavoidable.
Who it's for: Directors who are seeing early warning signs — cashflow strain, mounting arrears, difficulty meeting ATO or supplier obligations — and want clarity on their options and their duties as a director.
What's involved:
Confidential review of financial position and trading performance
Assessment of director duties and personal risk exposure
Identification of realistic options: restructure, refinance, negotiate, or wind down
A clear, written summary of findings and recommended next steps
Business Restructuring & Turnaround
What it is: Hands-on restructuring support to address the underlying causes of financial distress and rebuild a sustainable operating model.
Who it's for: Businesses that are fundamentally viable but under pressure from cost structure, debt load, underperforming divisions, or operational inefficiencies.
What's involved:
Diagnostic review of business operations, cost base, and debt structure
Development of a practical turnaround plan with clear milestones
Support implementing operational and financial changes
Ongoing monitoring and adjustment as the business stabilises
Funding & Refinancing Solutions
What it is: Access to appropriate funding and refinancing pathways to relieve immediate pressure and support a turnaround.
Who it's for: Businesses that need capital, breathing room, or a restructured debt position to execute a recovery plan.
What's involved:
Assessment of funding requirements and existing debt structure
Introduction to appropriate lenders and funding partners
Support with refinancing negotiations
Structuring of funding to align with the broader restructuring plan
Safe Harbour Guidance
What it is: Advice and support for directors seeking to develop a course of action reasonably likely to lead to a better outcome for the company, in line with Safe Harbour protections.
Who it's for: Directors who are actively developing a restructuring plan and want to understand how Safe Harbour provisions may apply to their circumstances.
What's involved:
Assessment of eligibility and requirements
Support developing and documenting a compliant course of action
Coordination with your legal and accounting advisors
Ongoing advice as circumstances evolve
Bermuda Advisory does not provide financial advisory services. Safe Harbour eligibility and its legal application should always be confirmed with your legal advisor.
Creditor & Lender Negotiation
What it is: Structured, professional negotiation with creditors, financiers, and the ATO on your behalf, aimed at achieving workable arrangements.
Who it's for: Directors facing pressure from creditors, statutory demands, default notices, or lender enforcement action, who need experienced representation at the table.
What's involved:
Review of creditor claims and lender positions
Development of a negotiation strategy
Direct engagement with creditors and financiers
Structuring of payment arrangements, standstills, or settlements
Not Sure Which Service You Need?
That's completely normal — most business owners aren't sure until they've had a proper conversation about their situation. Book a confidential consultation and we'll help you identify the right path.
Get In Touch
To help us best serve your inquiry, we recommend that you first describe the issue you’re having before telling us what you want to achieve. You may also email or call us to make an appointment.
service@bermudaadvisory.com.au
Sayed Saad - 0421 773 533
Max Szarycz - 0468 549 905