01 Recover

When the business is under pressure.

Recover is for owners and directors who need to steady the position, understand the options, and act before pressure narrows the path.

Thryvv brings specialist accounting, turnaround and director-side support to help work out what is really happening, what can move, and what needs to happen next.

Most Recover work is about preserving options, improving control and creating a practical plan. If a formal process is genuinely required, we stay beside the director and help coordinate the right advice.

Cameron Whinnett in a working session with business owners at a table
Before anything moves, the position has to be understood. That conversation is where Recover starts.
If any of this is happening

You are in the right place.

  • ATO debt that is no longer manageable
  • A Director Penalty Notice has arrived
  • Creditors are escalating, letters, calls, demands
  • Cash flow has stopped covering the basics
  • A statutory demand or wind-up notice
  • You are quietly funding the business yourself
  • Banking covenants are slipping
  • You don't know what is solvent and what is not
Who we work with

From owner-led businesses to the boardroom.

Recover supports business owners and directors across the full range of private business: sole operators, family businesses, growing SMEs and larger companies with boards, banks and complex stakeholders.

The scale changes. The work stays the same: get the position clear, understand the options, and move with a plan.

One adviser at every scale
Sole operators One-person operators carrying the decisions themselves.
Family and micro businesses Trades, services, retail and local businesses with a few staff and tightening cash.
SMEs Growing businesses where debt, pressure or complexity has outgrown the current model.
Mid-market companies Established companies with boards, banks and multiple stakeholders.
Larger private groups More complex private groups needing commercial coordination across advisers.
Directors personally When the exposure, decision or responsibility sits with the director, not just the company.
What Recover is

A clearer view, before the next decision.

Most owners do not arrive with a tidy brief. The numbers, people, timing, creditors, tax position and director concerns are often tangled together.

Recover starts by getting the commercial picture clear: what the numbers say, where the pressure is coming from, who needs to be managed, and which paths are still open.

From there, we help choose the response and move with a plan.

Where we sit

Built to preserve options, not push one outcome.

Some advisers enter the picture only when a formal appointment is likely. Thryvv starts earlier, with the commercial picture.

We look at the numbers, timing, stakeholders, director position and practical options still available.

If recovery is possible, we help pursue it. If a formal pathway is required, we help the director enter it prepared, supported and clear on what happens next.

  • Qualified accounting and commercial recovery experience
  • Director-side support
  • Full commercial picture before any pathway is chosen
  • Coordination with accountants, lawyers, financiers and practitioners where needed
  • Recovery first where recovery is realistic
And we don't replace your other advisers We are not your lawyer or your tax accountant. We work alongside them, holding the commercial view so each specialist can do their best work, and you can actually decide.
How we help

The work, by situation.

These are the most common Recover engagements. Owners usually need a combination, we shape the work to fit the real position.

  1. 01

    ATO debt and payment pressure

    When ATO debt has grown beyond what a routine payment plan can absorb. We help you understand what the ATO is likely to accept, what your real capacity looks like, and how to present the case so the conversation goes somewhere.

    • Capacity assessment
    • Payment plan strategy
    • Remission requests
    • ATO correspondence
    When it fits Tax debt is now bigger than next quarter can solve.
  2. 02

    Director Penalty Notices

    A DPN puts personal liability on the table with a hard clock. We help you read the notice properly, understand which options are still open, and act inside the window with the right specialists alongside.

    • Notice review
    • 21-day strategy
    • Director risk briefing
    • Practitioner coordination
    When it fits A DPN has arrived, or you believe one is coming.
  3. 03

    Creditor management

    When the noise from creditors is the loudest part of the day. We help you triage who needs what, what to communicate, and what to hold, so the position stabilises while the bigger plan takes shape.

    • Creditor triage
    • Negotiated arrangements
    • Statutory demand response
    • Communications
    When it fits More demands than capacity to respond.
  4. 04

    Cash flow recovery

    When the business is technically viable but cash has stopped working. We rebuild the picture week by week, surface the real levers, and help you decide what to stop, slow, accelerate or reprice.

    • 13-week forecast
    • Working capital review
    • Cost & revenue levers
    • Funding options
    When it fits Profitable on paper, painful in practice.
  5. 05

    Small business restructuring

    The Small Business Restructuring (SBR) pathway can preserve the business when the debt load won't. We help you test whether SBR is the right tool, prepare the commercial case, and run alongside the appointed practitioner.

    • SBR eligibility
    • Restructuring plan
    • Stakeholder mapping
    • Practitioner alignment
    When it fits The business can survive. The current debt cannot.
  6. 06

    Turnaround planning

    For businesses that need to change shape, not change hands. We help define the operating reset, sequence the moves, and hold the plan steady through the months it takes for the numbers to turn.

    • Operating reset
    • Cost-base review
    • Rolling 90-day plan
    • Board reporting
    When it fits The model still works, the execution doesn't.
  7. 07

    Trade-on options

    When the question is whether to keep trading, and on what basis. We help you test the assumption properly, solvency, viability, director exposure, so the decision to continue, pause or stop is made on evidence, not hope.

    • Solvency review
    • Director exposure
    • Trade-on viability
    • Safe harbour readiness
    When it fits Continuing has become a real question.
  8. 08

    Director support through formal processes

    If a formal pathway is the right answer, we stay on the director's side. We help prepare the position, coordinate the right practitioners, and keep decisions clear, documented and responsible.

    • Director-side support
    • Practitioner coordination
    • Clear decision records
    • Stakeholder communications
    • Formal pathway support
    When it fits A formal pathway is required and the director needs support through it.
Director Penalty Notice

A DPN needs fast, calm decisions.

A Director Penalty Notice has strict timeframes and can create personal consequences for directors.

If one has arrived, or you think one may be coming, talk to us before the window narrows.

We will help read the notice, understand the position, and work out which options are still open.

How it works

From the first call to a plan.

  1. Step 01

    Listen.

    A confidential conversation. What's happening, what's been tried, where the pressure actually sits. No commitment.

  2. Step 02

    See the position.

    We build the commercial picture, numbers, stakeholders, timing, exposure, so the conversation has a shared base.

  3. Step 03

    Compare options.

    We weigh the paths still open, what each costs, who it affects, what it preserves, and recommend the one that fits.

  4. Step 04

    Move with clarity.

    We help execute, alongside your accountant, lawyer or practitioner, and stay with you until the position holds.

Example recovery pathway.

Anonymised recovery example $480k tax debt, statutory demand, two key suppliers on stop-supply. Restructured under SBR, business retained.
Starting tax debt $480k
Time to first plan 9 days
Pathway SBR
Outcome Business retained
Questions we hear often

What owners actually ask.

Honest answers to the questions that come up in the first call. If yours isn't here, ask us directly, the conversation is free.

  • Are you going to push me into liquidation?

    No.

    Recover starts with the commercial position, not a preferred outcome. If the business can be steadied, restructured or traded forward responsibly, that is where we focus first.

    If liquidation, voluntary administration or small business restructuring genuinely fits, we explain why, coordinate the right practitioners, and stay beside the director through the process.

  • Does Recover replace my accountant or lawyer?

    No, we work alongside them. They handle compliance, legal advice and formal appointments. We hold the commercial view that ties it all together, so each specialist can do their best work and you can actually decide.

  • Is the first conversation really free?

    Yes. The first call is a no-cost, confidential conversation. You'll leave it with a clearer view of the situation and an honest sense of whether we are the right help. If we are not, we'll say so, and where possible point you to who is.

  • How quickly can you move?

    For urgent situations, a DPN, a statutory demand, a creditor on the edge of escalating, usually the same day or next. We don't make you wait for an intake form when the clock is the problem.

  • Will creditors find out we've talked to you?

    No. Engaging Thryvv is private. We don't contact your stakeholders, lodge anything publicly, or make any commitments on your behalf. If and when we do need to communicate externally on your behalf, it only happens with your explicit instruction.

  • What does engagement usually cost?

    Fixed-fee where we can, scoped where we can't. After the first conversation we'll quote in writing, with the scope and price agreed before any chargeable work starts. No surprises.

  • Is it too late if I've already missed deadlines?

    Usually no. Even after a deadline has passed, there is almost always a way to slow further damage, contain exposure, and shape the next move. The earlier we can talk, the more options stay on the table, but it is rarely too late to ask.

Why directors call Thryvv first

  • Qualified accounting and commercial recovery experience
  • $32M+ in debt claims handled in FY2025
  • Director-side support, not appointment-led advice
  • Clear scope and pricing before work starts
  • Australia-wide support
  • Confidential first conversation

Bring the situation as it is. We'll do the rest.

The first conversation is free and confidential. No commitment, no pressure. Just a clearer view of what is real, what can move, and what should happen next.

Call now Talk to us