★★★★★Trusted by 400+ Australian businesses

Payday Super Finance

Pay super on payday, or clear the charge that follows

Experts in strategic, short-term finance

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.

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 lands 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.