Funding to hire staff for growth

Growth usually needs people before it produces revenue. A new salesperson needs months to build a pipeline. A new crew needs training before it can run jobs alone. A new manager needs time to take load off the owner. All the while, wages, super and PAYG withholding go out every pay cycle.

Work out the real cost of a hire

For each new role, add up:

• Wages and any allowances.
• Superannuation, now due with each pay cycle under payday super from 1 July 2026.
• PAYG withholding remitted to the ATO.
• Workers compensation and payroll tax if the business is over the state threshold.
• Recruitment, equipment, vehicles and training.

Then estimate how many months until the role covers its own cost. The total for that ramp-up period is the funding need.

Funding the ramp-up

Option	When it fits
Working capital loan	A defined hiring push with a clear payback
Line of credit	Gradual hiring as work grows
Invoice finance	New staff serve business clients on terms

Want a person to look at your numbers? The 60-second enquiry runs no credit check, and the person who reads it is the person who calls you back.

Stage the hiring

The safest growth is staged: hire as the work arrives rather than all at once in anticipation. If a new contract justifies three people, consider bringing on two, then the third once the first invoices are paid. It keeps the funding smaller and the risk lower.

Know your obligations

The National Employment Standards set minimum entitlements for employees, and awards may apply. Fair Work Ombudsman guidance is the best starting point. Getting pay and entitlements right from day one avoids costly back-payments later.

Watch the cash, not just the profit

A growing business can be profitable and still run out of cash, because costs arrive before revenue. Our guide to growing without running out of cash explains the warning signs and how to plan ahead.

An illustrative example

A commercial cleaning business wins two new office contracts that need six extra cleaners. Wages, super and equipment for the new team come to roughly $38,000 a month, but the clients pay monthly in arrears on 30-day terms, so the first payment arrives about eight weeks after the team starts. A line of credit sized to two months of the new team’s costs covers the gap, and it is repaid as the contract payments settle into their normal rhythm.

In a nutshell

• New staff cost money before they earn it
• Budget for wages, super, PAYG, onboarding and equipment
• A line of credit or working capital loan bridges the ramp-up
• Stage hiring so costs rise with the work

How Capital At Call handles it

One enquiry, one team, one clear answer. That is the whole approach. We read what you send, call you, ask for the documents that matter and lay out the options in plain English with the total cost attached. Your details are not shopped around, and your credit file is only checked if you choose to accept an offer. If the answer is no, you will hear it quickly and with a reason, so you can plan your next move.

When borrowing helps, and when it does not

Ask yourself where the repayment will come from. A customer payment, the next peak season, a property sale or steady trading are all real sources. Hope is not. If you can point to the money that will clear the loan, and roughly when, funding is likely to help. If you cannot, talk to your accountant about the underlying numbers first.

Before you send the enquiry

A short checklist before you send the enquiry. None of it takes long, and together it heads off the most common causes of delay:

• Know the amount you need and what it will pay for.
• Check your recent bank statements so nothing in them surprises you.
• Note any loans, leases or payment plans the business is carrying.
• If you own property, know who is on the title and what is owed.
• Make sure every director or co-owner knows you are applying.

Help us match you first time

Think of the enquiry as the brief for your funding. A clear brief gets a fast, accurate answer. Give the amount you genuinely need, the revenue your bank statements will show, an honest view of your credit and a straight yes or no on property, and we can match you to the right option on the first attempt.

See what you could qualify for

The next step is simple: send us the basics and a real person will call. There is no credit check when you submit it, and nothing goes to another lender without you knowing. Fill the form in accurately, especially the amount and your monthly revenue, because those two answers decide which option fits and how quickly it can move.