Finance question
Can I get finance to pay wages this month?
Often yes. When payroll falls due before your invoices are paid, working capital can be raised to cover the run. Asset-backed lending against plant you already own can move in 24 to 48 hours, or property equity can fund it at single-digit rates, so staff, PAYG and super are paid on time.
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The short answer
Bridge the gap between payday and payment
Payroll is the one bill that cannot wait. When a big customer pays on 60-day terms but wages, PAYG withholding and super are due this Thursday, the business is profitable on paper and short on cash in the account. Working capital finance is built for exactly that gap, funding the payroll run now and repaying as the debtor money lands.
Speed decides which route fits. If you own trucks, machinery or other plant outright, an asset-backed facility can raise cash against them, and because these deals are secured and low-doc they can settle in 24 to 48 hours across a panel of 40-plus lenders. If you hold property equity, that funds working capital at single-digit rates, which is the cheaper option when the timing allows.
The aim is to cover the immediate run without overreaching. We size the facility to the payroll shortfall and your incoming receivables, not a round number, so you clear this month's wages, keep your team and your obligations intact, and repay as the cash cycle catches up. Nothing here promises approval, but the structures exist and move fast when the security is there.
Do you qualify?
What makes a payroll bridge fundable.
A timing gap, not a loss
Revenue is coming, it just lands after payday.
Assets or equity
Owned plant to borrow against, or property equity.
An active ABN
Sole traders and companies both qualify.
Receivables to repay from
Invoices or contracts that clear the facility.
Why a payroll bridge works
Speed when it counts
Asset-backed facilities can settle in 24 to 48 hours to hit the pay run.
Secured, so accessible
Plant or property equity secures it, which widens who will lend.
Sized to the shortfall
You cover this month's wages without borrowing more than you need.
A real example
A civil contractor has $140,000 in progress claims approved but not yet paid, and a $60,000 fortnightly payroll due first. It owns two tippers outright. An asset-backed facility against the trucks settles inside 48 hours, wages and super are paid on time, and the facility clears when the progress claims land. Illustrative only.
Common questions
Frequently asked questions
Can I really fund payroll this month?
Often yes. Where you own plant or hold property equity, a facility can be arranged quickly to cover the pay run and repay as receivables land.
How fast can it settle?
Asset-backed, low-doc facilities can move in 24 to 48 hours, which is usually fast enough to hit the next pay cycle.
Does this cover PAYG and super too?
Yes. The facility funds the whole payroll cost, including PAYG withholding and superannuation due with it.
What if the business is short, not just slow-paid?
Be straight with us. A one-off timing gap suits this well, and if it is deeper we will say so and look at the right structure instead.