Fast payroll funding

Missing a pay run is not like paying a supplier a few days late. Staff have rent and mortgages, award and agreement obligations set out when wages must be paid, and trust is hard to rebuild once a payday slips. When the money to cover wages is late, the cost of borrowing for a few weeks is usually small next to the cost of not paying.

Why payroll gaps happen to healthy businesses

• A large customer pays on 45 or 60 days while wages go out weekly.
• A seasonal business carries staff through a quiet month before the busy one.
• A new contract needs extra hands before the first invoice can be raised.
• A quarterly BAS lands in the same week as a fortnightly pay run.
• Payday super, from 1 July 2026, means super leaves the account with every pay run instead of once a quarter.

Payday super: plan for the first few months

From 1 July 2026, employers are required to pay super contributions at the same time as wages, with a short window for the money to reach the employee’s fund. For businesses used to paying super quarterly, that is a permanent shift in timing: money that used to sit in the account for up to three months now leaves within days of each pay run. The first quarter under the new rules is when many businesses will feel it most. Planning a buffer or a line of credit before it bites is far better than scrambling on payday.

Every hour counts when a payment is due. Lodge a quick enquiry so the assessment can start straight away.

How fast payroll funding works

Payroll funding is usually unsecured. The lender reads your bank statements to confirm wages are a normal, regular outgoing and that the business can repay from incoming receipts. With statements shared online, approval within the hour is common. Documents are signed electronically, and funds can land within 24 hours. If the pay run is tomorrow, enquire first thing in the morning.

When you enquire	Realistic target
Two or more business days before payday	Comfortably funded in time
The business day before, in the morning	Often funded in time
The afternoon before	Possible, but cut-offs get tight
On payday	Talk to us immediately; consider part-paying and catching up

A worked example (illustrative)

A hospitality group with 40 casual and part-time staff has a fortnightly payroll of about $68,000 including PAYG and super. A corporate function client owes $95,000 but its accounts team has pushed payment out two weeks. On Tuesday morning the owner enquires, shares statements and is approved within the hour for a short-term amount. Funds land that afternoon, the Wednesday pay run goes out complete and on time, and the facility is repaid when the client pays.

Your fast-funding checklist

Lenders usually ask for the following. Having them ready can save a full day:

• Six months of business bank statements
• The payroll total, including PAYG withholding and super
• The date of the pay run
• Evidence of the receipts that will repay the funding
• Photo ID and ABN

Common delays and how to avoid them

Watch for these common speed bumps:

• Enquiring on the afternoon before payday
• Bank statements that do not show payroll clearly
• Other short-term loans not mentioned in the enquiry
• Directors unavailable to sign the same day

The payroll crunch playbook has a day-by-day plan for when wages are at risk.

Get the form right, get funded faster

Think of the enquiry form as the brief for your loan. The clearer the brief, the faster the work. Give the amount you actually need, the revenue your statements will show, an honest credit picture and whether property is available. That lets a real person match you to the right option on the first attempt instead of the third.

Key takeaways

• Covers wages, PAYG and super when receipts run late
• Usually unsecured and sized on bank statements
• From 1 July 2026, super must be paid with wages under payday super
• Enquire as early as possible before the pay run

Where the hours actually go

Speed comes from doing the slow jobs first. Your enquiry lands with a real person who calls, usually within minutes in business hours, and asks for the evidence that decides the loan straight away: bank statements for unsecured funding, or property details for a secured loan. Property-secured loans need no valuation, so there is no week-long wait for a report. With the key evidence in, approval can come within 15 minutes and approval within the hour is common. Documents are then signed electronically, and funds can land within 24 hours of the first enquiry.

Ready to start the clock?

The quickest way to find out is to ask. It is a 60-second form with no credit check attached, your details stay with us, and someone real gets back to you. Please take care with the amount, revenue and property questions, because accurate answers are what make fast funding possible. Check your options.