Strategic Restructuring & SBRAF Guidance
SBRAF (Small Business Restructuring And Finance) is a specialist firm guiding directors through the complexities
that Small Business Restructuring imposes on your business.
Leadership
Our director, Pierce Havenstein, has extensive experience in lending, restructuring, and turnaround management across multiple economic cycles.
SBRAF provides strategic guidance and planning support, grounded in practical experience across banking, private lending, restructuring, and turnaround. This enables us to make informed financial decisions, protect cash flow, and create sustainable pathways to growth — without providing regulated credit advice.
We deliver practical, outcome-focused strategies that help businesses manage complexity, preserve cash flow, and position themselves for long-term sustainability.
Compliance Note:
Havenstein Finance and Mortgage Broking Pty Ltd (ABN 85 664 660 244) trading as SBR Advisory and Finance. Credit Representative No. 547344 of Australian Mortgage Advisors Group Pty Ltd (Australian Credit Licence No. 388570). Authorised to provide credit assistance on behalf of the ACL holder. Privacy Policy | Financial Services Guide | Credit Guide | Complaints & Dispute Resolution.
Pierce Havenstein
Pierce brings extensive experience in corporate advisory and business recovery, with a strong focus on lending strategies and their direct impact on business profitability. Having worked closely with lenders and businesses through multiple economic cycles, Pierce understands how financing structures influence cash flow, operational efficiency, and long-term viability.
His expertise helps businesses optimise their debt profiles to improve profitability while maintaining strong relationships with creditors and stakeholders.
Why Our Leadership Matters
Our team have a proven track record in guiding Australian businesses through financial distress with integrity and expertise. Together, we’re a team committed to transparent, data-driven solutions tailored to your unique challenges.
Expert Solutions For Your Business
SBRAF Debt
Diagnostics
Most businesses carry facilities that cost them far more than they should. With experience across banking, private lending, restructuring, and turnaround, SBRAF helps identify inefficiencies others may miss — strictly through sttegic guidance and planning support.
Services Include:
- Independent review and strategic assessment of all facilities
- Benchmarking against market-leading terms to highlight potential improvements
- Identifying hidden risks, costs, and cash flow blockages
- Guidance and referrals to improve terms and outcomes via Havenstein Finance & Mortgage Broking (ACR #5473343)
Compliance Note:
SBRAF does not provide regulated credit advice, act on behalf of clients in negotiations, or provide loans.
Restructure & Refinancing
Support
With experience on both sides of the finance table, SBRAF helps directors develop strategies that lenders are more likely to respond to. Our support aligns restructuring and refinancing with profitability, cash flow, and business stability — without providing regulated credit.
Services Include:
- Strategic guidance on engaging and communicating with banks and creditors
- Planning for refinancing to improve terms and release cash flow
- Referrals to mainstream and alternative lenders via Havenstein Finance & Mortgage Broking (ACR #5473343)
- Structuring recommendations informed by industry experience
Pre, During & Post-SBRAF Finance & Growth Support
Managing finance through the SBRAF journey isn’t just about surviving the process — it’s about protecting profitability, stabilising cash flow, and setting the business up for sustainable growth.
SBRAF provides strategic guidance and planning support at every stage of the SBRAF process — before, during, and after — without providing regulated credit.
Pre-SBRAF Support:
- Strategic assessment of debt and facilities to identify opportunities and risks
- Guidance on potential restructuring options to prepare the business for the process ahead
- Planning for engagement with lenders and creditors
During SBRAF Support:
- Strategic support on managing cash flow and operational funding pressures
- Guidance on communications with lenders and creditors
- Practical insights to help directors make informed financial decisions
Post-SBRAF Support:
- Planning for working capital needs, and exploring financing options through licensed providers
- Referrals to private and alternative funding via Havenstein Finance & Mortgage Broking (ACR #5473343)
- Strategic support to aid recovery, growth, and long-term sustainability
Compliance Note:
SBRAF does not provide regulated credit advice, act on behalf of clients in negotiations, or provide loans.
Creditor Engagement Support
Guidance on Engaging with Creditors
SBRAF provides strategic guidance and planning support to help directors plan and approach creditor conversations effectively. We do not negotiate or settle on behalf of clients.
Service Include:
- Developing a communication strategy tailored to each creditor
- Guidance on presenting proposals or repayment plans professionally
- Identifying key priorities and risks before engaging with creditors
Compliance Note:
SBRAF does not negotiate, restructure, or provide regulated credit. All credit-related services are delivered exclusively through Havenstein Finance & Mortgage Broking (ACR #5473343).
Typical Flow & Timeline
SBRAF Debt Diagnostics
5 Days
Restructure Proposal & Creditor Engagement
3–6 Weeks
Implementation & Refinancing
Ongoing Advisory And Support
Solutions in as little as
5 days
100+
Happy Clients
