Three SME core cashflow demands
Tools built for the
payday super shift
Keeping lending straightforward, aligning your daily cashflow with Australia’s strict new pay-cycle compliance rules.
The Loss of the Buffer
Quarterly cash holding is gone. Every pay run permanently changes your cash flow architecture.
cashflow funding
Perfect for regular trade cycles or unlocking outstanding sales. We leverage your business’s incoming daily or monthly bank revenue, or outstanding invoices, to inject immediate funds.
The 7-Day Compliance Clock
Contributions must hit funds within 7 business days of payday or face strict ATO penalties.
term business loans
Receive a single, upfront cash injection for a specific milestone. Structured with equal weekly or monthly repayments that let you invest confidently in equipment, bulk inventory, or renovations.
System & Payroll Friction
Switching to Qualifying Earnings framework means admin workflows face unexpected gaps.
line of credit
Your ongoing cash backup buffer. Gain approval for a set credit limit, draw down funds instantly whenever an emergency or opportunity arises, and only pay interest on what you actually draw.
Payday Super Calculator
Strategic cash flow protection for the 2026 mandate.
Super Flow Protector
Your staff super obligation must now clear on payday instead of quarterly, creating an immediate liquidity gap of $27,600 every 90 days.
*Low-doc matching requires a minimum of 6 months trading history. Pre-assessment models are available for newer businesses.
Are You Ready For
Payday Super?
Bridge the 110-Day Cash Gap
Payday Super means you can no longer use the old ~110-day quarterly buffer (90-day quarter + 28-day grace period) as free short-term working capital.
Automated SG Clearing
Our wholesale facilities pay your clearinghouse directly on paydays, securing absolute ATO compliance while leaving your liquid cash in your business account.
Flexible Debt Repayment
Re-amortize your super obligations into a structured working capital overdraft, invoice finance limit, or debtor line that fits your real billing speed.
EASY & FAST ONLINE APPLICATION
no tax returns? no problem.
we excel in lo-doc lending.
lending scenarios in action
Discover how Australian business owners leverage our streamlined capital channels to solve immediate cash flow blockages and accelerate growth milestones.
PAYDAY SUPER – The Compliance Cash Gap
Industry: Commercial Cleaning & Facilities Services
The Challenge
A facilities services business with 40 weekly-paid staff had relied on the old quarterly super cycle to smooth cash flow between big contract payment runs. Under Payday Super, that buffer disappeared overnight — super now had to clear within 7 business days of every payday, creating a recurring $18,000 fortnightly gap the business hadn’t budgeted for.
CASHFLOW FINANCE – The Bulk Inventory Purchase
Industry: Wholesale & Distribution
The Challenge
An overseas supplier offered a major wholesale distributor a 30% discount on raw stock, but required an upfront cash settlement within 48 hours. The distributor had $150,000 tied up in outstanding customer invoices due next month.
TERM BUSINESS LOAN – Contract Machinery Upgrade
Industry: Commercial Food Manufacturing
The Challenge
A manufacturer secured a lucrative multi-year supply contract with a national grocery chain. To meet demand, they needed to purchase an automated packaging line, but traditional bank loan applications threatened a 4-week delay.
BUSINESS LINE OF CREDIT – Project Wages & Materials Buffer
Industry: Commercial Electrical Contracting
The Challenge
An electrical contracting firm was simultaneously executing three complex site developments. Weekly subcontractor wages and supply runs had to be paid immediately, but progress milestone payments from clients took up to 45 days.
