SBR

WE ARE KINDA A BIG DILL

Transparent
ATO fuss-free
Debt Refinancing

Is this solution right for me?

Click the link below and follow the prompts for a Discovery Session.

It’ll be a holistic video call where we can discuss everything you need.

Scheduling a meeting

We’ll Get You Out Of apickle!

Debt refinancing Home Loan up to $3,000,000

Apply in
5 minutes

Hassle-free application to support your participation in the SBR

100%
Online

Receive funds in just 15–30 days*

24-hour
Home Loan Approval!

At APICKLE, We Don't Do Surprises.

(Especially with ATO Debt)

When life gives you pickles, DILL with it.

Our platform secures a favorable Loan to Value Ratio (LVR), prepares your company for the Small Business Restructuring process (SBR), and sets your business up for growth.

AusGov Factsheet

A few other reasons why you'll love apickle...

  • Our expert Debt Negotiators turn insolvency into opportunity by securing a favorable Loan to Value Ratio.
  • Simplify your finances with one monthly mortgage payment instead of juggling multiple loans.
  • Consolidate all debts, including ATO debt, business loans, and second mortgages, with no limits.
  • No income verification
  • We dont do credit scores
Apply Online

Clear Your Debts, Launch Your Growth.

What’s the problem!

When issued with a Directors Penalty Notice (DPN ), the 2021 Small Business Restructuring (SBR), process helps resolve distress under SBRP supervision however

Behind on your tax Lodgements?

Behind on your super guarantee contributions?

The Small Business Restructuring process prevents liquidation, but eligibility requires up-to-date tax Lodgements—a challenge for insolvent businesses with outstanding tax debts.

Learn more

What's the solution!

We offer a new Debt Refinancing Home Loan and use part of your remaining equity to recapitalise your business

We’ll help you get your tax Lodgements up to date.

We’ll clear your super debt with our Home Loan, qualifying you for the SBR process.

We’ll work with you to prepare your company for its next phase of growth, building a solid foundation for progress.

Learn more

Why
APICKLE?

When life gives you pickles, DILL with it.

We empower small businesses by refinancing multiple bad debts. We offer a commercial debt refinancing home loan and expert debt negotiation services to turn insolvency into opportunity.

On average, we save small businesses $13,500.00 per month.

That’s Kinda a BIG DILL.

Are you ready to apply for ATO Debt Refinancing?

You’re just a few steps away from joining the Small Business Restructuring process and propelling your business into its next phase of growth.

That’s a BIG DILL.

Is this solution right for me?

Click the link below and follow the prompts for a Discovery Session.

It’ll be a holistic video call where we can discuss everything you need.

Scheduling a meeting
Apply Online

Struggling to find the right solution?

Click the link below and follow the prompts for a Discovery Session.

It’ll be a holistic video call where we can discuss everything you need.

Scheduling a meeting

We're here to help

Ready to start your debt refinancing home loan?

Get your loan started

Have a Debt Refinancing Home Loan with us?

1300 PKL MNY (1300 755 669)

We got our clients out of a DILLemma

Apickle | Debt Restructuring Experts place picture
Apickle | Debt Restructuring Experts
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Mackay Goodwin profile picture
Mackay Goodwin
05:43 10 Nov 25
It is always a pleasure working with the team at apickle, professional, reliable, and great at what they do. Highly recommend them to anyone looking for consistent, quality service.
Adele Payne profile picture
Adele Payne
08:47 18 Sep 25
A Pickle have been amazing to work with, we had quite a complicated situation and they have been there every step of the way, taking the stress off us and very reassuring. Easy to contact and quick to respond to every situation. I have no drama recommending them to anyone who needs their help 😊
Andoo profile picture
Andoo
12:41 05 Aug 25
Peter, Mariana and the Team at apickle where amazing to work with and was great to have them help navigate this process of obtaining finance.
The stress and worry was removed and with a clear foundation for growth as a result. I Highly recommend 🙏
Amanda A profile picture
Amanda A
14:38 26 Jun 25
APICKLE is truly a game-changer for Australian SMEs struggling with ATO tax debt. As the national ATO debt continues to rise, their platform offers a unique, tech-driven solution that combines AI credit decisioning with personalized debt negotiation. What I find especially impressive is their focus on helping directors maintain control and restructure their businesses, rather than simply offering a quick fix. APICKLE’s commercial debt recycling approach is a fresh take on handling tax debt, turning financial distress into a long-term recovery strategy. It’s clear that APICKLE isn't just another service provider—they’re a real partner in helping businesses survive and thrive amidst challenging circumstances.
Alice Telea profile picture
Alice Telea
04:18 24 Jun 25
Special mention to Peter & Mariana at Apickle - They’re never- ending support, guidance, consistency in communication and overall professionalism in assisting and following through with everything they had promised as a team could be achievable in my situation, still to this day blows my mind! The level of commitment and over all loyalty to their clients, I have never experienced this kind of great magnitude quantity of work ethic, diligence and just pure honesty and integrity! I’m overwhelmed and humbled by the experience, the outstanding performance and commitment for excellence by you both, once all the work was completed left us speechless - They worked endlessly day in, day out to ensure a better future for my family. Highly and above beyond any situation you may find yourself in financially- would recommend Apickle to anyone and everyone who is ever in financial hardship, the trust with them both far exceeds expectations and you will definitely not be disappointed one bit! Thank you again Peter & Mariana as well as the whole team at Apickle! You’s are amazing & only best wishes for the growth and prosperity over your business! Truthfully speaking, the best in the business hands down.
Emily Sha profile picture
Emily Sha
07:54 26 Sep 24
Mariana and Ruben are very professional and helpful. They have a strong understanding of financial products and different business structure and requirements. If you're looking for business financial services, this is the place to go. They are responsible, genuinely care for their clients, and with Apickle, you know you're in safe hands.
Michelle Mclaughlin profile picture
Michelle Mclaughlin
00:01 16 Sep 24
What a fantastic team at APickle . My Business is now restructured and I am financially in control and ready to fly . With the help of Peter and Marianna I have achieved what I thought was the impossible . Their experience and knowledge is excellent .
I would recommend APickle to anyone wanting to get their finances working for them .
Michael Mekhitarian profile picture
Michael Mekhitarian
05:29 17 Jul 24
Apickle has a unique loan solution enabling Companies to restructure debt. Peter and the team have assisted my clients successfully. Given how difficult finance is these days its certainly worth running the scenario through the online assessment tool.
Highly Recommended
Jim Vass profile picture
Jim Vass
03:24 11 Jul 24
Peter has helped quite a few of my clients get out of trouble. He is very resourceful and a good guy to have in your corner when things look grim.

Highly recommend.
Courtney Turton profile picture
Courtney Turton
05:00 07 Jul 24
I recently had the pleasure of working with aPickle for our business finance needs, and I must say, they exceeded all expectations. Their service and finance options were truly outstanding.

APickle helped us achieve things that we never thought were possible. They provided us with tailored financial solutions that perfectly suited our business needs. Their team was knowledgeable, professional, and went above and beyond to ensure we had a smooth and efficient experience.

I highly recommend aPickle to any business in need of finance options. Their dedication to helping businesses succeed is unparalleled, and their expertise in the field is evident. With aPickle by your side, you can confidently tackle your financial goals and achieve remarkable results.

Thank you, Pickle, for your exceptional service and for making the impossible possible for our business!

Warmest regards,
Courtney Turton
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