Fast Payday Super Finance for Urgent Deadlines

Yes, where the total fits inside 70% of the warehouse property's value. One loan from us can repay the bank at settlement, and the rest is paid to your business, which pays the super guarantee charge to the ATO. Send us the bank's letter with its payout figure, and the ATO statement showing the super guarantee charge. Tell us how the business will keep staff super up to date from here, because that is part of how we assess your plan for repaying us.

• →Urgent loans when a receiver is appointed or threatened

It goes to the funds while there is no assessment. Until the ATO issues a notice of assessment, late contributions should be paid to each employee's fund, and paying even part of the shortfall reduces the super guarantee charge. Once the ATO has assessed the charge, it is paid to the ATO instead. The loan funds are paid to the business, which makes the payments itself, so tell us which stage you are at when you call.

• →the Payday Super 7 day deadline

No. If the charge is not paid within 28 days of the assessment, the ATO issues a Notice to Pay, and an amount still unpaid 28 days after that attracts a late payment penalty of 25%, or 50% where the business had the same penalty in the previous 24 months. A payment plan does not stop that penalty being imposed, and it cannot be remitted. If the company borrows, it can pay the charge in full before the Notice to Pay amount falls due. Call us as soon as the assessment arrives.

No. A contribution received on or after 29 July 2026 cannot be counted against the June 2026 quarter, and the ATO allocates it to paydays from 1 July 2026 instead. The June quarter amount is now paid to the ATO as super guarantee charge, with the statement your accountant lodges. One loan can pay that charge and bring the contributions for later paydays up to date at the same time.

Yes. For the first year of Payday Super, the ATO generally treats an employer as medium risk where unpaid super is fixed within 28 days after the end of the quarter in which the wages were paid. By our count, that is Wednesday 28 October 2026 for paydays from July to September. Amounts still unpaid after that date put the business in the high risk group, which the ATO says is its highest priority for compliance action. If the company needs to borrow to catch up, call us this week.

The ATO's guidance is to pay the funds first, where it has not yet assessed you. It says outstanding super should be paid to the employee's fund before considering whether to lodge a voluntary disclosure statement, and late contributions paid before assessment are deducted from the charge. The administrative uplift starts at 60% and can be reduced by up to 40 percentage points depending on how quickly the disclosure is made, so timing matters. Your accountant decides when to lodge, and we can settle within 24 hours once terms are agreed.

No. Where super guarantee charge was reported after its due date or never reported, the only way to have the director penalty remitted is for the company to pay the liability in full. Appointing an administrator does not remit it. The company can borrow against property, including a director's home, and pay the ATO itself within the 21 days. Speak to your accountant or an insolvency adviser about the company's position at the same time.

• →director penalty notice loans

It can be. Under Payday Super the test is when the fund receives the money, not when you send it, so a contribution received after 7 business days is late. For the first year, the ATO says it generally treats employers who tried to pay on time and fixed the problem promptly as low risk. Where delays like this have left a backlog across several paydays, the business can borrow to clear it in one payment run.

Yes. Our limit is 70% of the property value across all mortgages: 70% of $1.6 million is $1,120,000, and with $700,000 owing that leaves up to $420,000, which covers the $310,000. The company is the borrower and receives the funds, and your home secures the loan as a second mortgage behind your bank, with rates from 11.95% p.a. The company then pays the funds or the ATO itself.

Yes. One loan can fund the wages and the super for the same payday, and the loan funds are paid to the business, which pays its staff and their funds itself. We decide in hours and can settle within 24 hours where the property and the exit are in place, so call as soon as you know the pay run is short.

• →urgent payroll loans

About 60 days from each payday. Since 1 July 2026, the super guarantee charge for each payday is treated as due on the earlier of the day after the 60 day period starting on that payday, or the day an ATO assessment makes the charge payable. For a September payday, that is a date in late October or November. A voluntary disclosure statement lodged on or before that due day keeps the disclosed amount out of the pay in full rule. Ask your accountant this week which amounts are still inside it, and call us if the company needs to borrow to pay them.

We lend our own funds and make credit decisions in house, so we can issue a letter of offer within hours and settle in as little as 24 hours. That is usually well inside the 7 business days super has to reach the fund, so the charge is never triggered.

Yes. If the deadline has passed and the ATO liability exists, we release capital against property you or your business owns and you use it to pay out the charge. Clearing it early limits the interest that compounds daily and reduces the risk of a director penalty notice or recovery action.

Unpaid super sits behind the Director Penalty regime, so the ATO can make current and former directors personally liable. Settling the charge before a notice locks down keeps the liability with the company, and property-secured finance is a fast way to do that.

Our security is real property. We take a first or second mortgage over residential, commercial or industrial property held by the company, a trust, or a director. Paying super or clearing an ATO charge is what the funds are used for, which is separate from what secures the loan.

This is a common situation. A private first or second mortgage breaks the cycle: you borrow against the equity in your property, clear the super position immediately, then approach your bank from a clean footing. Many borrowers refinance back to a bank within 6 to 12 months.

It matters less than you would expect. We look at both, because a director guarantee usually sits behind the facility, but neither file decides the answer on its own. The property carrying the mortgage decides it. Where the equity sits inside 70% LVR and the exit is real, a director with defaults on file is not a reason for us to decline.

Yes. As well as super, we fund wages when a pay run falls due before your customers pay.

• →urgent short term lending