Go to top of page

Guidance to help you during COVID-19

We have developed new resources to help you protect your business during and after the COVID-19 crisis.

Case studies

We have developed case studies specific to industries that are likely to be hardest hit by the COVID-19 crisis.

We will continue to add case studies specific to the wholesaling and manufacturing, and professional artists, hobbyists and dealers. 

Building and construction

PPSR protection when supplying goods on credit for installation

Tom’s a busy roof tiler. He often gets the tiles delivered on site so they’re ready and waiting for installation when his crew arrives. 

Tom’s worried the principal contractor, Paul, like many builders, is under financial strain due to COVID-19.

Tom’s accountant set up his terms of trade to include a condition that Tom retained ownership of the tiles until full payment is made by Paul. He also advised him to add this information to the Australian Government’s PPSR before any tiles are delivered. That way, if it all heads south for Paul, and his building business collapses, Tom knows he can collect his tiles from the site – provided they’re still there and uninstalled. If they’re gone, he’s not too worried as his $6 PPSR registration helps to ensure he’s at the front of the queue of creditors (including Paul’s bank) to get the money he’s owed for the tiles.

For more information see Trying to get your invoices paid

PPSR protection when leasing out goods longer term

Sandy has a fleet of bobcats she hires out all over town.

Sandy knows about the Australian Government’s PPSR – she knows of other hire businesses who’ve lost expensive equipment while out on longer term hire because they didn’t make a $6 PPSR registration.

For any new customers that are signing a longer term hire contract (more than two years), or if she thinks there’s a chance it might run for two years or longer, Sandy backs up the lease agreement with a PPSR registration.

Sandy also keeps a close eye on any bobcats that have been out on site for a while. As soon as she thinks there’s a chance the hire might tick over the 2 year mark, she makes a PPSR registration.

Registration costs $6 per customer, but she knows it gives her extra legal protection to seize her bobcats if her customer ends up going bust. A PPSR registration helps ensure Sandy is ahead of other creditors – even her customer’s bank.

PPSR protection getting your gear back if your customer can’t pay

Sam, a subcontractor, and his team of sparkies won a large job doing the wiring on an upmarket residential development. 

Sam had a large amount of the cabling delivered to the site so it was ready to go. It arrived a couple of days before the team were due to start installing.

When Sam and his team arrived on site a few days later, they were shocked to find the front gates locked. A sign on the gate said:

Developer Denise Co. now under Voluntary Administration, contact Adam Administrator for site access

Sam had lost gear in the past so he knew exactly what to do to get his stuff back, most importantly he knew he had to act fast.

First, he emailed Administrator Adam saying he had cable across the site that hadn’t been installed yet.  He told Adam he could identify it and that thanks to his contract and PPSR registration, he was a secured creditor with priority rights to collect any cabling still unpaid for.

Sam attached a copy of his paper work, which included his retention of title supply contract with Developer Denise Co. and a copy of the PPSR registration certificate to support his claim. Sam was also quick to stop any further cable deliveries to Denise’s site.

Adam the Administrator assessed Sam’s claim and checked his PPSR. Fortunately for Sam all was in order and Adam was happy to give consent for Sam to access the site to collect his cable. 

For more information on how to protect goods supplied on credit, whether its pipes, gravel or formwork – basically anything that isn’t nailed down – visit our page on construction.


We are publishing new resources, and highlighting existing resources, to explain how the PPSR can help your business during and after COVID-19.


Trying to get your invoices paid – this new factsheet provides practical advice on how a PPSR registration can help you get your invoices paid.

Your customer has gone broke – what happens now? – this new factsheet explains the steps you need to take to get your goods, or their value, back if your customer has gone broke.

Guides and brochures

Small business guide – this guide explains everything you need to know about using the PPSR to protect your business.

Hey tradies – don’t get ripped off! – this brochure explains how the PPSR can help tradies in particular, when buying goods, or selling on terms of leasing out equipment.


Small business and the PPSR – this two minute video explains what you can do if your customer goes out of business, but has your stock that they hadn’t yet paid for.

Protection for businesses that hire, lease or rent goods – this one minute video helps explain how businesses that hire, lease or rent out goods can protect themselves by registering on the PPSR.

Small business and the PPSR – this video explains how and why small businesses can use the PPSR to protect their business.

Selling your goods on terms – this video explains how the PPSR can protect your business if you are selling your goods, while not being paid for them immediately.