When debt threatens more than just your business

For many farmers and agribusiness owners, what you do is more than a job. It’s a legacy, a commitment to your family, your land and a contribution to your community’s future. When creditors come calling, it’s not just your finances at risk. It’s your way of life, your family’s stability and the wellbeing of the region you care about. We understand that taking the first steps in reconciling farming debt or navigating agribusiness disputes is hard. Accepting there’s a problem and reaching out for help can feel daunting, but it’s often the most important move towards protecting what matters most.

Facing the fear: Overwhelm, refinancing, and drowning in debt

The pressure of mounting debts and creditor demands can feel relentless. Many people worry about the risks of refinancing, feel uncertain about negotiating with creditors or like they’re drowning in debt. It’s common to feel reluctant or even embarrassed to reach out for help. Starting the conversation is something you can control, and it’s often the turning point towards regaining stability. Early action won’t always be an easy fix, but it connects you to support and opens up options that might not be available if you wait until further down the track. The process may feel daunting, but you don’t have to face it alone.

"One of the things that we offer at the Small Business Commission is a safe, confidential, knowledgeable place to come to and just start the conversation."

Hon. Dan van Holst Pellekaan, SA Small Business Commissioner

How the Small Business Commission can help

If you’re searching for ways to pay bills, manage debt or refinance, the Small Business Commission SA (SBC) is here to help. When you contact us, you’ll speak with advisers who understand the unique pressures faced by farmers and agribusiness owners. Our process is straightforward and confidential. You’ll have an open conversation about your situation, and we’ll ask for relevant information about your debts and creditor communications to get a clear picture of your circumstances.

Our advisers offer practical, judgement-free support. While they don’t provide financial counselling or legal advice, their role is to help you understand your options, provide clear information, and recommend trusted services where you can get more help if you need it.

We offer free dispute resolution service and low-cost mediation, which can be a crucial step towards renegotiating with creditors and accessing farm debt relief in SA.

Take the first step – The sooner, the better

Reaching out to the Small Business Commission early can make a real difference. Early contact helps you understand your choices, and acting sooner means you’ll have more options and flexibility to deal with creditor pressure or disputes.

Getting in touch

If you’re feeling overwhelmed and aren’t sure where to start, just pick up the phone or send us an email, we’re here to help, and you don’t have to face it alone.  Contact us today to find out how we can help Free Call 1800 072 722 or click here.