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  • Disputes & Assistance

    Disputes & Assistance

    The ASBFEO responds to requests for assistance from small businesses and family enterprises that are in dispute with other businesses or Commonwealth Government agencies. 

    We provide information about dispute resolution options, access to mediation, alternative dispute resolution processes under the Franchising, Horticulture, Dairy and Oil Codes of Conduct, and assistance with disputes with the ATO.  

    • How We Help
    • Dispute support
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        • Before you sign – do your research on the franchise
        • Assess the franchise opportunities and seek professional advice
        • Read the franchise agreement
      • Franchising Code of Conduct and Alternative Dispute Resolution
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      • Managing change
        • Best practice for franchisors
          • The psychology of change
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      • Exiting a franchise
        • Franchisee-initiated exit - Compliance
        • Franchisee-initiated exit - Best practice guidance for franchisees
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  • Policy & Advocacy

    Policy & Advocacy

    The ASBFEO understand the challenges facing small businesses and family enterprises. 

    We provide advice and insights to policy and decision makers, conduct research, deliver inquiries, comment on legislation, provide advice to Ministers, and undertake outreach and engagement activities to ensure Australia is the best place to start, grow and transform a business.

    • 14 steps to boost Australia’s small and family businesses
    • Policy insights
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      • One thing ASBFEO can do for me
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  • Resources & Tools Centre

    Resources & Tools Centre

    There are so many useful resources, tools and sources of information which assist and support small businesses and family enterprises to run their business.

    We have compiled these supports for you, relevant to your interests and needs, to help your business succeed.  

    • Our network
    • Cyber security
    • Financial Wellbeing
    • Mental health
    • Handling debts
    • Using social media securely
    • Resources for starting a small business
    • Getting the most out of your digital marketing service provider
    • How Digital Marketing Providers can impress small business clients
    • Intellectual property
    • Disaster preparation and recovery
    • Climate-related financial disclosures
    • Self-employment
    • Changes to Australian workplace laws
    • The Digital Millennium Copyright Act (US)
    • Payment Times Reporting Scheme
    • Default credit listings
    • Disputes with an overseas business
    • Small Business Hub
    • Working as a delivery driver
    • ‘Small Business, Big Dreams’ Fact Sheet
  • Media Centre

    Media Centre

    Connect with us and keep up with our latest news, media releases, social media, successes and policy and advocacy work. 

    We also share the latest developments from other government authorities and regulators, our peers and our networks on our Media Centre.   

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    • Op-eds
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    • Quarterly reports
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    • Contact Us
    • MSME Day
  • Small Business Data Portal

    Small Business Data Portal

    Our Small Business Data Portal brings together the latest statistics about small businesses and family enterprises and their contribution to the Australian economy.

    • ASBFEO Small Business Pulse
    • Small Business Matters
    • Contribution to Australian Gross Domestic Product
    • Contribution to Australian Employment
    • Number of small businesses in Australia
    • Apprentices and Trainees Employed by Small Business
    • Location of Australia’s small businesses by state and territory
      • New South Wales
      • Queensland
      • South Australia
      • Victoria
      • Western Australia
      • Tasmania
      • Northern Territory
      • Australian Capital Territory
      • Other Territories
    • Location of Australia’s small businesses - regional and metro areas

The November 2025 Small Business Pulse is now available

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Media Section

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Media Source

  • ASBFEO Live (208)

… for ASBFEO’s input into the Treasury departments annual report.  ASBFEO Key Performance Indicators include: … This review was led by Ms Su McCluskey with the final report provided to the Minister.  Australian Small Business … review was led by Ms Carmel McGregor PSM and the final report was provided to the Minister in June 2021. Freedom of …

The business landscape has changed drastically. Remember, trust your spidey senses

Originally published in The Canberra Times

By Bruce Billson

Digital tools have transformed the economy and the ways in which we do business.

There's much to be gained for a small or family business deepening its digital engagement.…

… 03 February 2025 Originally published in The Canberra Times By Bruce Billson Digital tools have transformed the … at lightning speed through e-invoicing, and electronic payment systems allow for that invoice to be paid (hopefully) … be suspended, false charge-backs leaving sellers without payment or their product, overseas competitors claiming …

Media Centre item
Op-ed
ASBFEO Live

Ombudsman welcomes Government’s support for least cost routing

The Australian Small Business and Family Enterprise Ombudsman Bruce Billson welcomes the Government’s commitment to lowering costs for businesses through least cost routing.

Treasurer Josh Frydenberg has released the Payments System Review…

… least cost routing. “The Treasurer’s urging of the RBA’s Payment Systems Board to consider mandating the dual-network … and family enterprises paying more than they need to for payment services. “For too long, small businesses have been … with larger retailers able to bypass full fees by using payment systems directly or by having the market power to …

Media Centre item
News
ASBFEO Live

Budget Brief 2024-25

The Australian Small Business and Family Enterprise Ombudsman Bruce Billson says tonight’s federal Budget offers targeted measures to help small and family business deal with current pain points and headwinds.

“Small and family businesses facing…

… that are squeezing margins will welcome the modest energy bill relief of $325,” Mr Billson said. “Every saving helps … improve the uptake of eInvoicing, the effectiveness of the payment times reporting framework and implementation of franchise … improve the uptake of eInvoicing, the effectiveness of the payment times reporting framework and implementation of …

Media Centre item
Media Releases
ASBFEO Live

A barely noticeable improvement may signal the worst is behind us

Originally published in The Canberra Times

By Bruce Billson

ASBFEO recently released our fourth Small Business Pulse - a health-check on the small business operating environment.

It recorded a microscopic improvement of 0.1 per cent…

… us 09 June 2025 Originally published in The Canberra Times By Bruce Billson ASBFEO recently released our fourth … seeing increasing numbers of requests for assistance with payment disputes. This type of dispute, that often leaves a … the lights on. Small business owners have continued to report in this quarter how difficult it is to navigate the …

Media Centre item
Op-ed
ASBFEO Live

MEDIA RELEASE: Australian small business selling online warned to be aware of US copyright laws

The Australian Small Business and Family Enterprise Ombudsman, Bruce Billson, has released a guide to raise awareness among small businesses selling online about United States’ copyright laws that can shut down their access to customers without warning…

… to fight the attacks. After this had happened several times, the business contacted ASBFEO, and a dedicated case … to fight the attacks. After this had happened several times, the business contacted ASBFEO, and a dedicated case …

Media Centre item
Media Releases
ASBFEO Live

Right-sized regulation for small businesses will boost productivity

Published in the Canberra Times.

Of the businesses in Australia, 97 per cent of them are small businesses.Small businesses generate nearly $600 billion of economic activity accounting for 32 per cent of our nation's GDP and provide jobs for 5.17…

… productivity 29 September 2025 Published in the Canberra Times . Of the businesses in Australia, 97 per cent of them … in a value chain with a large entity that is required to report on their sustainability practices and climate-related … cashflow concerns, digital impacts, cyber threats, poor payment times and an ever-changing business landscape. The …

Media Centre item
Op-ed
ASBFEO Live

New Franchising Sector Powers for Small Business Ombudsman

The Australian Small Business and Family Enterprise Ombudsman, Bruce Billson, welcomes the Australian Government’s response to the review of the Franchising Code of Conduct by Dr Michael Schaper.

The Minister for Small Business, Julie Collins,…

The Australian Small Business and Family Enterprise Ombudsman, Bruce Billson, welcomes the Australian Government’s response to the review of the Franchising Code of Conduct by Dr Michael Schaper.

The Minister for Small Business, Julie Collins,…

Media Centre item
Media Releases
ASBFEO Live

SMALL BUSINESS NEEDS TO BE READY FOR NATURAL DISASTERS

The terrible floods and storms causing great trauma for parts of the country should be a red alert for small business to be prepared for natural disasters, warns the Australian Small Business and Family Enterprise Ombudsman, Bruce Billson.

Mr…

The terrible floods and storms causing great trauma for parts of the country should be a red alert for small business to be prepared for natural disasters, warns the Australian Small Business and Family Enterprise Ombudsman, Bruce Billson.

Mr…

Media Centre item
Media Releases
ASBFEO Live

About us

… for ASBFEO’s input into the Treasury departments annual report.  ASBFEO Key Performance Indicators include: … This review was led by Ms Su McCluskey with the final report provided to the Minister.  Australian Small Business … review was led by Ms Carmel McGregor PSM and the final report was provided to the Minister in June 2021. Freedom of …

Basic page

… from a culturally and linguistically diverse background report less confidence in finding business information than …

MEDIA RELEASE: 12 days until 3G shutdown - What small, family and farming business need to check

Small and family businesses have just 12 days to make sure they do not have their vital business systems and equipment fail when the 3G network is switched off on 28 October, says the Australian Small Business and Family Enterprise Ombudsman, Bruce…

Small and family businesses have just 12 days to make sure they do not have their vital business systems and equipment fail when the 3G network is switched off on 28 October, says the Australian Small Business and Family Enterprise Ombudsman, Bruce…

Media Centre item
Media Releases
ASBFEO Live

14 steps to stop small business's alarming downward spiral

Opinion piece by the Ombudsman Bruce Billson.

Originally published in the Canberra Times.

I fear we are sleepwalking into a "big corporate" economy.

Many small and family businesses are doing it tough right now and the post-COVID…

… Bruce Billson. Originally published in the Canberra Times. I fear we are sleepwalking into a "big corporate" … workplace obligations to employees, meet tax reporting and payment obligations in a timely way and pay small business … workplace obligations to employees, meet tax reporting and payment obligations in a timely way and pay small business …

Media Centre item
Op-ed
ASBFEO Live

… although they remain below pre-pandemic levels.  “Payment disputes are often an early warning sign of cash flow … although they remain below pre-pandemic levels.  “Payment disputes are often an early warning sign of cash flow …

ASBFEO Small Business Pulse

… Business Pulse did not reflect a COVID-related fall in 2020 as government support measures outweighed other economic … from a culturally and linguistically diverse background report less confidence in finding business information than …

Basic page

Senate Economics Legislation Committee (the Committee) - inquiry into the Financial Accountability Regime bill and other related bills

… - inquiry into the Financial Accountability Regime bill and other related bills Date Fri, 10/07/2022 - 12:00 … inquiry into the Financial Accountability Regime bill and other related bills (1384).pdf pdf 302.03 KB Summary … - inquiry into the Financial Accountability Regime bill and other related bills …

Submission

Australian Payments Network's consultation on the future vision for account to account payments in Australia

Submission

… in the face’ for small businesses at these challenging times. We must continue to seek to abate these challenges … in the face’ for small businesses at these challenging times. We must continue to seek to abate these challenges …

… or as or as otherwise agreed with the small business.   6. Payment Stage 1 Preliminary Advice:   A co-payment of $100 is required from the small business.  It must … practitioner. Stage 2 Pre-ADR Advice – Generally no co-payment is required from the small business at the time of …

… from a culturally and linguistically diverse background report less confidence in finding business information than … from a culturally and linguistically diverse background report less confidence in finding business information than …

Least Cost Routing

… fees’ are charged by schemes, acquirers, and issuers (payment service providers) to facilitate card-based payments … and Family Enterprise Ombudsman (ASBFEO) has prepared this report with insights from CMSPI Pty Ltd (CMSPI), a leading … competition in the debit card market by ensuring a payment is processed via the least-cost route. Merchants …

Report

ASBFEO helps over 50,000 small and family businesses

Originally published in The Canberra Times

By Bruce Billson

The "dirty boots people" is what one of Australian's leading economic regulators calls us. The Australian Small Business and Family Enterprise Ombudsman (ASBFEO) has been "in the…

… 20 January 2025 Originally published in The Canberra Times By Bruce Billson The "dirty boots people" is what one … and family businesses and at these challenging economic times, more need to know how we can help. At a time when most … Originally published in The Canberra Times By Bruce Billson The "dirty boots people" is what one …

Media Centre item
Op-ed
ASBFEO Live

Discretionary Mutual Fund Review (2021)

… Enterprise Ombudsman, Bruce Billson, released the final report on the insurance crisis facing Australia’s amusement, leisure, and recreation sector. The report, The Show Must Go On , finds a Discretionary Mutual … in a hardened global insurance market. Building on this report supporting the Australian Amusement, Leisure and …

Report

A ridiculous situation has many caught short looking for justice

Originally published in The Canberra Times.

By Bruce Billson.

Every small business deserves the right to be able to rely upon the safeguards, legal protections and business "bumper rails" that support fair conduct and competition in our…

… justice 29 April 2024 Originally published in The Canberra Times. By Bruce Billson. Every small business deserves the … Originally published in The Canberra Times. By Bruce Billson. Every small business deserves the …

Media Centre item
Op-ed
ASBFEO Live

Small businesses can't be held to the same privacy standards

Opinion piece by the Ombudsman Bruce Billson.

Originally published in the Canberra Times.

The public rightly expects any personal information collected and stored by businesses - whether they are large or small - will be protected and only…

… Bruce Billson. Originally published in the Canberra Times. The public rightly expects any personal information … handling personal information need to evolve with the times. That is why my office has been working with the … the business's ability to operate. The latest chilling report from the Australian Cyber Security Centre is that a …

Media Centre item
Op-ed
ASBFEO Live

Checking the pulse of small businesses across Australia

Opinion piece by the Ombudsman Bruce Billson.

Originally published in the Canberra Times.

Small business is the beating heart of our communities and our economy, so it is crucial to check the pulse of such an important sector to measure its…

… Bruce Billson. Originally published in the Canberra Times. Small business is the beating heart of our communities … increased, although they remain below pre-pandemic levels. Payment disputes are often an early warning sign of cash flow … increased, although they remain below pre-pandemic levels. Payment disputes are often an early warning sign of cash flow …

Media Centre item
Op-ed
ASBFEO Live

OP-ED: Big tech must do better by small biz

Bruce Billson 

Published in The Daily Telegraph and the Courier-Mail

15 October 2024

When a small business has a problem with a Big Tech digital platform - such as having your account shut down after being hacked…

Bruce Billson 

Published in The Daily Telegraph and the Courier-Mail

15 October 2024

When a small business has a problem with a Big Tech digital platform - such as having your account shut down after being hacked…

Media Centre item
Op-ed
ASBFEO Live

Budget continues targeted relief as small businesses hope for recovery

The Australian Small Business and Family Enterprise Ombudsman Bruce Billson says tonight’s 2025-26 Federal Budget was ‘the sequel’ to last year’s, offering modest targeted measures to help small and family business deal with specific current pain…

… margins will welcome the continuation of modest energy bill relief,” Mr Billson said.  “Cost-of living increases are … margins will welcome the continuation of modest energy bill relief,” Mr Billson said.  “Cost-of living increases are …

Media Centre item
Media Releases
ASBFEO Live

It's time to celebrate Australia's small businesses

Originally published in The Canberra Times.

By Bruce Billson.

It is often said small business is the engine room of the economy. We must ensure small and family business can fire on all cylinders - not have a cylinder taken out.

We…

… 15 April 2024 Originally published in The Canberra Times. By Bruce Billson. It is often said small business is … Originally published in The Canberra Times. By Bruce Billson. It is often said small business is …

Media Centre item
Op-ed
ASBFEO Live

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Acknowledgement of Country

We acknowledge the traditional owners and custodians of country throughout Australia and acknowledge their continuing connection to land, water and community.

We pay our respects to the people, the cultures and the Elders past, present and emerging.

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