Pretium Lending – Specialist Finance for Small Business Restructuring AND Deed of Company Arrangements (DOCA)
Fast, asset-backed loans from $75,000 to help directors meet critical obligations and move restructuring plans forward.
Why Pretium Lending Exists
When a company enters Small Business Restructuring (SBR), timing is everything. Directors often need immediate access to capital to pay employee entitlements, settle priority debts, or fund practitioner fees. Without finance, plans stall, creditors lose confidence, and valuable recovery opportunities are lost.
Pretium Lending removes this barrier. We provide short-term, asset-backed loans tailored to the SBR process — with approvals in days and terms structured to fit restructuring plans.
Loan Snapshot
- Loans from: $75,000+
- Loan type: Short-term, asset-backed
- Repayment terms: 6–12 months (or tailored to plan completion)
- Approval time: From initial discussion to settlement in days
Use Pretium Lending To
- Pay outstanding employee entitlements to meet SBR eligibility requirements
- Make lump-sum offers to creditors that strengthen negotiations
- Cover practitioner fees and capitalised interest (often incorporated into the loan)
- Manage tax debts such as ATO and superannuation
Why Practitioners Choose Pretium Lending
- Specialist focus: Nearly two decades funding insolvency practitioners
- Aligned with SBR: We understand the process and structure loans accordingly
- Fast turnaround: From initial discussion to settlement in days
- Practitioner partnership: We work directly with insolvency practitioners to align funding with restructuring strategy
How It Works
- Initial Discussion – Share the matter details with us
- Indicative Terms – Loan amount, rate, and term outlined.
- Valuation & Approval – Fast-track valuations and supporting documentation.
- Settlement – Funds released in line with SBR strategy.
- Repayment – Structured for 6–12 months or tailored to plan completion.
Case Studies
Pre-SBR Plan Positioning:
A company needed to pay its SGC obligation before entering SBR. Pretium Lending provided the funding, enabling the practitioner to lodge the plan on time.
Negotiation Leverage:
We pre-approved a client for a set loan amount before entering SBR, giving the practitioner clarity and leverage in discussions. Creditors accepted the deal.
What You Need to Apply
To speed up approval, have these documents ready:
- Loan purpose, requested amount and term
- Company details (name, ABN/ACN, activity, address)
- Director and guarantor information
- Two years’ financial statements + recent interim accounts
- Cash flow forecasts or budgets
- Bank statements (past six months)
- List of creditors and debtors with ageing (30/60/90 days)
- Supporting documents: trust deeds (if applicable), property valuations (if security offered), insurance details
FAQ
Company Directors undertaking a Small Business Restructure (SBR) OR undertaking a Deed of Company Arrangement (DOCA) with an appointed practitioner.
Decisions are made within days once required documents are received. Settlement typically occurs in line with the SBR plan or DOCA.
Loans are asset-backed requiring 1st or 2nd mortgage security.
Repayments are structured to align with the SBR plan or DOCA. Extensions may be possible, but directors remain liable for agreed terms.
Yes — we partner with your appointed insolvency practitioner to ensure funding aligns with the restructuring strategy.
Ready to move your matter forward?
Complete our streamlined application form — approvals in days, not weeks.
Why Pretium
For nearly two decades, Pretium Group has provided insolvency practitioners and directors with the finance they need when timing is critical. Our reputation is built on speed, transparency, and alignment with practitioners’ goals.
Pretium Lending and DOCA
While Small Business Restructuring (SBR) is a key focus for many directors, it is not the only restructuring option. In cases of voluntary administration, companies may propose a Deed of Company Arrangement (DOCA). A DOCA is a binding agreement between a company and its creditors that sets out how the company’s affairs will be dealt with, often providing a better return than immediate liquidation.
Both SBR and DOCA processes require immediate funding — to pay priority debts, cover administrator or practitioner fees, and enable proposals to creditors. Without finance, companies risk missing plan lodgement deadlines, losing negotiating leverage, or failing to execute a viable DOCA.
Pretium Lending supports directors and practitioners in both SBR and DOCA scenarios, providing short-term, asset-backed loans with fast approvals so critical obligations can be met and restructuring strategies implemented with confidence.
Additional FAQ
Yes. Lending can be structured to support companies that are entering or considering a DOCA. This includes funding for priority debts, administrator fees, or lump-sum offers to creditors needed in DOCA proposals. Pretium Lending bridges the cashflow gap so that plan lodgement, DOCA execution, or creditor negotiations aren’t delayed.
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