Payday Super · 1 July 2026 · Cash Flow Finance
From 1 July, you'll pay super every payday — not quarterly. For many businesses, that means a significant cash flow shock. We help you get ahead of it.
Flexible cash flow finance for ABN holders. Keep your business compliant, your employees paid, and your operations running — without the stress.
Tell us about your business and we'll find the right solution.
A finance specialist will be in touch as soon as possible with options suited to your business.
Important: Payday Super starts 1 July 2026 — just weeks away. Businesses that haven't reviewed their cash flow position are at risk of falling behind on super obligations from day one. Late super payments under the new regime carry significant consequences including the Super Guarantee Charge.
What's Changing
Right now, most businesses pay super quarterly. From 1 July 2026, super must be paid every payday — weekly, fortnightly, or monthly — and must reach the employee's fund within 7 business days.
That quarterly buffer — where super sits on your books for up to 3 months — disappears overnight. For businesses that are already running lean on cash, this is a real shock to working capital.
The solution isn't to panic — it's to plan. A cash flow facility sized to your super obligations means you stay compliant, your employees are paid on time, and you protect your business from late payment consequences.
Key Dates
Now
Review your cash flow position
Calculate your new super frequency and identify any gap in your working capital.
30 June 2026
SBSCH closes permanently
If you use the ATO Small Business Super Clearing House, you must switch to a new provider before this date.
1 July 2026
Payday Super begins
Super must be paid every payday and reach the fund within 7 business days. No exceptions.
Ongoing
ATO monitoring via STP
The ATO can identify late payments in real time through Single Touch Payroll reporting.
See Your Impact
Enter your details below to see how your super obligations change from quarterly to per-payrun.
Indicative only, based on 12% super guarantee rate. Confirm with your accountant.
* Cash buffer is the quarterly super amount you currently hold on your books that will no longer accumulate. While this looks positive long-term, the transition period requires immediate cash availability for more frequent payments.
Finance Solutions
We match your business with the right type of cash flow finance from our panel of lenders.
Access funds when you need them and repay as cash flow allows. Ideal for managing the timing gap between paying super and receiving revenue.
A lump sum to bolster your working capital buffer. No asset security required. Based on business revenue and trading history.
Use a business asset or property as security to access larger amounts or more competitive rates.
If your business invoices other businesses, unlock cash tied up in unpaid invoices to fund your super obligations without new debt.
Don't Wait
Finance applications take time. Don't leave it until the first payday of July to realise you have a problem.
Most business loan applications take 2–7 business days. Applying now means you have a facility in place before July 1.
Late super payments under the new regime trigger the Super Guarantee Charge — which includes interest and admin components. The ATO monitors payments in real time via Single Touch Payroll.
Whether you have 2 employees or 200, the change applies. Small businesses with tight margins are most at risk.
No cost, no credit check at this stage. A 2-minute enquiry means we can have options ready for you as soon as possible.
Common Questions
From 1 July 2026, Australian employers must pay superannuation at the same time as wages — weekly, fortnightly or monthly — instead of quarterly. This is a significant change from the current system where most businesses pay super once every three months.
Under the current quarterly system, super sits on your books for up to 3 months. From 1 July, that buffer disappears. You'll need to have cash available every single pay run to cover super obligations. For businesses already running lean, this can create a real working capital gap.
Late or missed payments trigger the Super Guarantee Charge (SGC), which is stricter than the current system. The ATO will be able to identify late payments in real time through Single Touch Payroll reporting, so there's very little room for error.
A business line of credit is often the best fit — it gives you flexible access to funds when needed and you only pay interest on what you draw. An unsecured business loan can also work well as a working capital buffer. We'll assess your situation and recommend the most appropriate structure.
For straightforward applications, some lenders can approve and fund within 24–48 hours. We recommend applying now so you have a facility in place well before 1 July 2026.
No — cash flow finance is separate from your payroll system. It simply ensures you have the funds available to meet your super obligations, regardless of what payroll software you use.
Get a cash flow facility in place now. Free enquiry, no obligation, we aim to respond to all enquiries promptly.