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Small Business Financial Counselling & Resilience

Supporting small business owners with tailored, confidential and free financial counselling to strengthen capability and build long-term resilience.

Small businesses can receive free, impartial and confidential financial counselling.

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When business feels uncertain, you don’t have to navigate it alone

The Small Business Financial Counselling program provides free, confidential, tailored support to Queensland small business owners facing financial hardship. Our experienced financial counsellors work with small businesses to help them take control of their finances and plan for the future.

We provide practical, tailored support to help you understand and manage your business finances with confidence. By talking with us early, for example when cash flow first starts to get tight, we can help you get the best results. However, our experienced Financial Counsellors can also help you at later stages of your business journey to make the best decisions to manage your business’s money problems and move forward with a plan for a better future.

To be eligible for our service, your business needs to:

have fewer than 20 employees (full-time equivalent) and less than $10 million in annual turnover
be based in Queensland
be experiencing, or at risk of experiencing, financial hardship
have an active Australian Business Number (ABN) and have actively traded in the last 3 months.

Our counsellors are available across Queensland, offering face-to-face or virtual consultations to ensure you can access the help you need to navigate financial challenges and build a stronger future for your business. These services are funded by the Queensland Government, and we are delivering them on their behalf.

Services include…

Business health check

Let’s review your current financial position and identify practical ways to improve your financial management.

Business viability

Support to help you assess the long-term suitability of your business and explore your options.

Risk identification

Understand financial risks and develop strategies to reduce and manage them.

Debt support

Guidance, negotiation assistance, and practical solutions to help manage outstanding debts.

Free service

These services are proudly funded by the Queensland Government and free to access.

Support network

We can connect you with broader professional advice, such as legal, accounting and mediation.

Business planning

Support with your small business planning.

No judgement

Our Financial Counsellors are friendly and understanding.

Small Business Financial Resilience – Events, workshops and more

Our Small Business Financial Resilience service provides proactive, targeted support to help small businesses strengthen capability, improve financial management, and build long-term resilience. It equips business owners with practical tools, knowledge and confidence to manage challenges, adapt to change, and reduce the risk of future financial distress.

Support is delivered through a range of practical activities, including workshops, one-on-one advisory sessions, and tailored events led by experienced professionals, focusing on key areas such as: