Fast Payday Super Finance for Urgent Deadlines

Pay super on payday, or clear the charge that follows

Experts in strategic, short-term finance

Rated 5 out of 5Jason Vergara

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

Since 1 July 2026, Payday Super requires employers to pay superannuation at the same time as wages, and the money has to be received by each employee's fund within 7 business days of payday. Miss that window and the unpaid super converts into the Superannuation Guarantee Charge, a liability owed directly to the ATO. At Secured Lending, we provide fast, property-secured finance so a tight payroll never turns into an ATO debt, and so a charge that has already landed can be cleared quickly.

Why Consider a Payday Super Loan?

•Meet the 7-Business-Day Deadline: Fund super on payday so the charge is never triggered
•Avoid the Superannuation Guarantee Charge: Stay clear of the shortfall, daily interest, and administrative uplift of up to 60%
•Protect Your Directors: Reduce exposure to a Director Penalty Notice that makes directors personally liable for unpaid super
•Free Up Working Capital: Keep every pay run funded on time without draining operating cash

How Missing the Deadline Becomes an ATO Debt

Once super is not received by the fund within 7 business days, the amount becomes a Superannuation Guarantee Charge payable to the Commissioner of Taxation, not to the fund. The charge is built from the shortfall, notional earnings that accrue at the ATO general interest charge rate and compound daily from payday, and an administrative uplift of up to 60%. Unpaid super also sits behind the Director Penalty regime, so a company liability can become a personal one. Property-secured finance lets you settle the position before it reaches that stage.

Is a Payday Super Loan Right for You?

Ask yourself:

•Is a tight payroll putting the 7-business-day super deadline at risk?
•Do you already owe a Superannuation Guarantee Charge to the ATO?
•Would property-secured funding settle the position faster than a bank can move?
•Are you a director who wants to stay clear of personal liability for unpaid super?

If you answered yes to any of the above, short-term finance secured by property could be the right solution.

Payday Super Loans for Employers With Bad Credit

Super is now due on every pay run, and a missed payment becomes a charge owed straight to the ATO. Banks will not move on that timeline, and a bad credit file removes the option entirely. We fund against residential, commercial or industrial property, so the super gets paid on time whatever your file looks like. Rates from 9.7% p.a., and no full financials required.

→How a director penalty notice follows unpaid super →bad credit business loans

Industries

Industries We Service

Payday super finance for builders and contractors

Construction carries a large wage bill against progress claims that arrive weeks later, so a single slow certifier can leave a pay run short in the week super is due. A payday super loan funds that super on time, and we lend against the yard, the office, or a director's own property.

It is repaid when the progress payment is made or the security is sold, so a retention held back or a variation still in dispute becomes a timing question rather than a missed deadline. Because our funds are our own, we can settle inside the 7 business days super has to reach the fund.

A payday super loan can help you:

Fund super on payday while a progress claim sits with the certifier
Keep each pay run's super current when retentions are held back
Meet the 7-business-day deadline on a large site payroll
Clear a Superannuation Guarantee Charge that threatens a licence or a tender
Cover super and wages together on a job that pays out next month
Settle an SGC assessment before it reaches a director penalty notice

Private lending for Construction

A payday super loan can help you:

Fund super on payday while a progress claim sits with the certifier
Keep each pay run's super current when retentions are held back
Meet the 7-business-day deadline on a large site payroll
Clear a Superannuation Guarantee Charge that threatens a licence or a tender
Cover super and wages together on a job that pays out next month
Settle an SGC assessment before it reaches a director penalty notice

Private lending for Construction

"Payday Super turned a quarterly deadline into one that falls on every pay run, and the charge that follows a missed payment is owed straight to the ATO. We lend against residential, commercial or industrial property, so a business can fund super on payday or clear a charge that has already landed within the same week. In most cases that is faster and cleaner than letting the position drift toward a director penalty notice, and we are happy to run through the numbers with you."

Gino Tabila

Associate Director

Frequently Asked Questions

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.