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DROWNING IN ATO DEBT? DON’T GUESS. RESET WITH A PLAN.

100+ Businesses Rescued | $10M+ Saved 90% Retention The Business Health Check That Could Save You $50,000+ This Year

Discover Hidden Profit Leaks, Tax Risks Growth Blockers Before They Cost You Everything
[AUTHOR NAME] is a [ROLE – e.g. Managing Director of Oyster Hub], an award‑winning accounting and advisory firm that specialises in helping [AVATAR – e.g. tradies, NDIS providers,

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Is Your Business Healthy Or Heading For A Crisis?

You’re not alone. Every week, business owners just like you come to us feeling trapped, overwhelmed, and out of options. But here’s what most accountants won’t tell you

There Is A Way An Audit Starts With Your NDIS Business

Before you can fix your business debt crisis, you need three things: Complete visibility of your true financial position (not just what the ATO says you owe) A strategic rescue plan tailored to your specific situation—not generic advice Expert negotiation with the ATO that protects your assets and buys you time

Cash Flow Stress

You're making sales but constantly stressed about cash flow. Money comes in, but somehow there's never enough to pay yourself properly, invest in growth, or build a buffer. You're one bad month away from crisis.

Tax Surprises

Your accountant tells you what you owe but never helps you plan ahead or minimize your tax legally and strategically.

 No Clear Direction

You're working harder than ever but can't see a clear path to the next level. Y. You're flying blind and hoping for the best.

Financial X-Ray

1. Complete cash flow analysis and forecasting
2. Profit margin breakdown by product/service
3. Hidden cost identification and elimination

Compliance & Risk Audit

1. ATO compliance check (GST, PAYG, super)
2. Payroll tax exposure assessment
3. Single Touch Payroll (STP) review

Ready To Get Complete Clarity On Your Business Health?

What is Small Business Restructuring (SBR)?

Phase 01:

Diagnostic Assessment and Financial Health Check

Before you can fix your business debt crisis, you need three things: Complete visibility of your true financial position (not just what the ATO says you owe) A strategic rescue plan tailored to your specific situation—not generic advice Expert negotiation with the ATO that protects your assets and buys you time

Initial Consultation

We start with a detailed consultation to understand your specific circumstances and determine if the Rescue Due Diligence process is suitable for your needs.

Financial Health Check

We conduct a thorough assessment of your business's financial health, including a detailed review of assets, liabilities, cash flow, and profitability.

Business Viability Assessment

We evaluate your business's long-term viability, considering market conditions, the competitive landscape, and potential for future growth.

ATO Debt Analysis

We examine your ATO debt in detail, including outstanding tax liabilities, payment history, and any potential penalties or notices.

Phase 02:

Strategic Report & Business Continuity Plan

Based on the comprehensive review in Phase 1, we develop a customised business rescue plan report. This includes an analysis of your current debt situation, cash flow assessment, future estimated debts, and recommendations on how to take control of your business without further trading insolvently.

Strategic Recommendations

We provide tailored recommendations on how to achieve business viability and qualify for business continuity.

Debt Management Plan

We explore options for managing and reducing debt, including negotiating with creditors and establishing ATO payment plans.

Financial Analysis & Forecasting

We review your current financials and forecast your liabilities once all lodgements are updated.

Business Restructuring

We advise on restructuring options to improve financial stability and operational efficiency, including legal and tax considerations.

Phase 03:

Restructuring Business Debt and Liability Management

We guide you through the implementation of the Business Continuity Plan from Phase 2. Develop a scope of work and action items, working in partnership with you as your business advisors to help you navigate the debt management process and reset your business with positive cash flow.

Action Plan Implementation

We assist with the implementation of the detailed action plan from Phase 2, with clear steps and timelines for implementing the agreed-upon strategies and agreed work scope.

Debt Management Implementation

We will work with you and external restructuring professionals to address the complex requirements of the business continuity plan under debt restructuring.

Business Performance Monitoring

We will check your business performance while you are going through the debt management plan to ensure your business is viable and trading solvently.

Financial Advocacy

We act as your advocate in negotiations with creditors and the ATO.

Get Business Help Now with Rescue Due Diligence Report

Choose What Matches Your Situation

Not sure where you fit? Book a Rescue Due Diligence Call and we’ll map the safest pathway.

Small Business Restructuring (SBR)

A formal pathway that may help eligible businesses restructure certain debts while continuing to trade.

Director Penalty Notice (DPN) Support

A formal pathway that may help eligible businesses restructure certain debts while continuing to trade.

ATO Tax Debt Negotiation

A formal pathway that may help eligible businesses restructure certain debts while continuing to trade.

Closing A Company ( Before Liquidation )

A formal pathway that may help eligible businesses restructure certain debts while continuing to trade.

Explore your Rescue Tax Solutions with a free discovery call

Phase 1

Financial Health Check

Phase 2

Business Continuity Plan

Phase 3

Liability Management

Initial Chat

The first thing we’ll do is listen, so get in touch to chat with us about your situation. No fees. No surprises.

Business Assessment

If you’re happy to take the next step, we’ll carry out a free financial assessment to understand how we can best help you.

Agree On The Path Forward

We’ll go over our assessment with you, discuss your options, and agree on a step-by-step plan tailored to your business.

Business rescue For Your Industry (Specialist Support)

Different industries break in different ways – and the rescue plan needs to match the reality on the ground.

Tradies & Construction

Progress claims, retention, margin blowouts, payroll pressure.

NDIS Providers

SCHADS wage pressure, compliance, cashflow timing, funding complexity

Charities & Non-Profits

Governance, acquittals, restricted funds, payroll compliance.

Aboriginal Corporations

ORIC/ACNC obligations, funding, cultural governance.

Why Business Owners Trust Oyster Hub With Their Financial Survival

85-90%

ORIC Compliance Success Rate

91%

ATO Debt Approval Rate

$500K+

Secured for Aboriginal Communities

90%

Client Retention Rate

Real Results: $750K Saved Through DGR Transformation

BEFORE:

AFTER:

How We've Helped Businesses Just Like Yours

Is The ACCO Due Diligence Right For Your Corporation?

Not sure where you fit? Book a Rescue Due Diligence Call and we’ll map the safest pathway.

Explore Our rescue Services

Meet the Oyster Hub Owner

Adarsh Dutt

[AUTHOR NAME] is a [ROLE – e.g. Managing Director of Oyster Hub], an award‑winning accounting and advisory firm that specialises in helping [AVATAR – e.g. tradies, NDIS providers, ACCOs and small business owners] get out of crisis and into control.Growing up [SHORT ORIGIN STORY – e.g. on a sugar cane farm in Fiji], [AUTHOR NAME] has seen first‑hand how good people can get crushed by complex systems and debt. Today, [HE/SHE/THEY] and the team at [FIRM NAME] combine practical accounting, business rescue strategies, and a focus on mental wellbeing to help clients rebuild with confidence.

What Our Clients Says

“I’ve ended up saving 85% on tax, which is over a hundred thousand dollars last year in regards to tax by just simply engaging them. They set me up with the right pay slips, helped me out with my super, and also helped me get on track with setting up payment plans.”

Helped People

Frequently Asked Questions

1. What is cloud-based bookkeeping and how does it benefit my small business?
Cloud-based bookkeeping stores your financial data securely online, accessible from anywhere with internet access. Unlike traditional desktop software, cloud bookkeeping provides real-time financial insights, automatic backups, and seamless collaboration with your accounting team.
Benefits include 24/7 access to your financial data, automatic software updates, reduced IT costs, enhanced security with bank-level encryption, and real-time reporting. You can check your cash flow, approve invoices, and monitor business performance from your phone, tablet, or computer anywhere in Australia.
Single Touch Payroll is mandatory for all Australian employers and reports salary, wage, and superannuation information to the ATO in real-time each pay run. This replaces annual PAYG payment summaries and streamlines your reporting obligations.
We handle all STP compliance including employee onboarding, pay event reporting, finalisation declarations, and year-end processing. Our automated system ensures every pay run is reported correctly and on time, eliminating ATO penalties and reducing your administrative burden.
Australian employers must pay superannuation guarantee (currently 11.5%) for eligible employees earning over $450 per month. Payments must be made quarterly by the 28th of the following month to avoid penalty charges.
We manage your entire super process including fund selection, contribution calculations, quarterly payments, employee choice forms, and compliance reporting. Our automated system tracks all obligations and ensures timely payments, protecting you from superannuation guarantee charges and ATO penalties.
Bank reconciliation should be completed monthly, ideally within the first week of each new month. This ensures your cash flow is accurate, identifies discrepancies early, and maintains clean financial records for tax and business decision-making.
We perform detailed monthly bank reconciliations, matching every transaction between your bank statements and accounting records. This process identifies missing transactions, bank errors, and ensures your reported cash position is accurate for informed business decisions.
Business Activity Statement (BAS) preparation includes calculating GST collected and paid, PAYG withholding, PAYG instalments, and other tax obligations. Lodgment deadlines are typically the 28th of the month following each quarter for quarterly reporters.
We handle complete BAS preparation including transaction review, GST calculations, instalment adjustments, and electronic lodgment. Our process includes pre-lodgment reviews to maximise refunds and minimise payments, plus penalty remission applications if needed.
Automated data entry uses OCR (Optical Character Recognition) and AI to extract information from receipts, invoices, and bank statements directly into your accounting software. This eliminates manual typing and reduces data entry errors by up to 95%.
We process receipts, supplier invoices, bank statements, credit card statements, and expense claims automatically. Documents can be uploaded via mobile app, email, or direct software integration, with intelligent categorisation and coding applied based on your business rules.

Awards In Recognition & Media

At Oyster Hub, our team and co-founders are driven by a shared mission: to be partners in the life journey of small business owners , helping them find their pearl. Our team have won awards and been featured in various industry publications and news media for being an impact-based accounting firm.
Creating positive change through every transaction and decision.
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Our Expertise is Frequently Cited by Industry Leaders