Funding to cover wages and super

Of all the bills a business pays, wages are the one that cannot slip. Staff have rent and mortgages too, and late pay damages trust quickly. Super has joined wages on the same clock: from 1 July 2026, payday super means employer contributions are due with each pay cycle rather than once a quarter.

Why payroll gaps happen

Most payroll shortfalls are timing problems rather than profit problems:

• A large customer pays late, but the staff who did the work still need paying.
• A new contract starts with extra staff weeks before the first invoice is paid.
• A quiet trading week coincides with a fortnightly pay run.
• A BAS payment and a pay run fall in the same week.

What payday super changes

Under the old rules, super was paid quarterly, so it could be planned around. Under payday super, it leaves the account with each pay run. For many businesses that means a slightly larger outflow every pay cycle and less room to juggle. If your cash flow forecast still shows super as a quarterly lump, update it. Our guide to payday super and your funding buffer covers the planning side.

Not sure this fits your business? That is exactly what the quick enquiry is for. One team reads it, no credit check runs, and nothing is sold on.

Options for covering a payroll gap

Option	When it fits
Chase overdue invoices today	Customers owe you more than the gap
Line of credit	Gaps that recur every few pay cycles
Working capital loan	A one-off gap with a clear payback, such as a contract ramp-up
Invoice finance	Gaps caused by business customers on long terms
Property-secured funding	Larger or longer gaps, with interest paid up front or capitalised

Size it properly

Add up a full pay run: net wages, super, PAYG withholding and any leave payouts. Then add a margin for the customer most likely to be late. A facility that covers one or two pay runs is usually enough for a business whose problem is timing. The cash runway calculator shows which weeks are tight.

When borrowing is the wrong answer

If wages are routinely more than the business brings in, funding will only delay a harder decision. In that situation, talk to your accountant about the business model, pricing and staffing first. We will tell you plainly if we think a loan would not help.

Key takeaways

• Wages and super come first; late payment carries real consequences
• Payday super from 1 July 2026 changes the timing of super
• A line of credit suits recurring payroll gaps
• Fix the underlying timing gap, not just this pay run

How we work through it with you

We keep it simple. Your enquiry goes to one team. That team calls you, confirms the details, asks for bank statements or property details and tells you honestly what looks achievable. If the right answer is a payment plan, a conversation with a supplier or waiting a quarter, we will say so. If funding fits, you get the amount, term, repayments and total cost spelled out before you sign anything. You will always know who is handling your file and how to reach them.

When borrowing helps, and when it does not

Not every cash problem is a funding problem. Sometimes the better fix is a conversation with a supplier, a payment plan with the ATO, chasing an overdue invoice or adjusting prices. Funding earns its place when it solves a timing gap or unlocks an opportunity worth more than its cost. We will tell you honestly which situation you are in.

A simple preparation list

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.

About the questions we ask

Every question on the form is there for a reason: it changes which funding fits. Describe the business as it stands today rather than the version you expect in six months. Mention any default, tax debt or recent decline in the notes. We look at those situations all the time, and knowing early lets us head straight for options that can actually work.

Check your eligibility

Have a figure in mind? Put it in the enquiry. There is no credit check for asking, you will not be passed around a panel of lenders and you will speak to someone who has read your answers. Take a moment to get those answers right. Accurate details about revenue, time trading and credit mean we can match you properly first time, without the back and forth.