1 July 2026 - Now law in Australia

95Days

00Hours

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Super every payday.
Is your cash flow ready?

From 1 July 2026, super must reach employee accounts within 7 business days of every pay run. The quarterly buffer disappears overnight - and most SMEs haven't planned for it.

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The timeline

What's changing & when

The buffer you've relied on disappears overnight. Here's exactly what's happening and when.

Now

Right now

Super paid quarterly - cash buffer exists

Currently you pay super every quarter. You have up to 90 days between earning the liability and paying it - a natural buffer most businesses quietly rely on to manage day-to-day cash flow.

April – June 2026

Your window to prepare - act now

This is your window to model the cash flow impact, review payroll cycles, and get a business overdraft or credit line in place before July 1. Don't wait until you're already under pressure.

Jul

1 July 2026 - Mandatory

Super due within 7 days of every pay run

Every payroll run triggers an immediate super obligation. Miss it and the Super Guarantee Charge (SGC) kicks in - with penalties up to 200% of the unpaid amount. No grace period for medium or high-risk employers.

ATO's first-year approach: The ATO has confirmed a risk-based compliance approach for July 2026 – June 2027. Low-risk employers may receive some leniency - but medium and high-risk employers face immediate enforcement. Don't assume you're low risk.

Cash flow impact

The problem - and the fix

Most SMEs haven't modelled the impact yet. Here's what it looks like with and without a plan.

Without a plan

Super liability hits the same week as wages
Seasonal revenue gaps create immediate compliance risk
Late payment penalties compound quickly
ATO can garnishee bank accounts without warning
Staff trust eroded if super is delayed

With a business overdraft

Draw only what you need, when you need it
Cover super and payroll without disrupting operations
Pay interest only on what you use
No property security required under $150K
Same-day approval and funding possible

How OverdraftMe works

Three steps. Same day funds.

Free broker service - we're paid by the lender, not you. No tax returns. No property security under $150K.

60 seconds

Tell us your numbers

Use the calculator. Enter your monthly revenue and the amount you need. No tax returns required - ever.

As fast as 1 hour

We find your best option

OverdraftMe compares lenders on your behalf. We do the legwork - our service is completely free to you.

Same day possible

Funds in your account

Draw on your credit line as needed. Pay interest only on what you use. No lock-in, no hassle.

Don't let July 1 catch you short.

60 seconds · Free broker service · No tax returns · Decisions from 1 hour · Funds same day

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Super every payday.Is your cash flow ready?