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Payroll Business Loans with CASEY

Loans for when you need help covering wages, PAYG, and super when cash flow is tight.

CASEY helps you find the right funding, fast, so you can keep moving forward.

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100% free • No credit score impact • No obligation

🏆 Lenders’ Choice Broker of the Year Finalist (Optimise 2025)

Why this matters

Cash flow does not always line up neatly with payroll. Customers pay late, projects shift, invoices drag — but wages, PAYG and super still need to be paid on time.

A payroll business loan focuses on bridging that gap — using your recent bank statements and trading history to find practical, short-term options that support your team, rather than adding extra pressure.

If you’re comparing different funding styles, it can also help to review my Business Loans, Working Capital Loans and Short-Term Business Loans guides to see how each structure may fit your situation.

What you get

A realistic funding pathway designed around your upcoming payroll runs, your banked turnover, and what is genuinely manageable for your business — not guesswork or generic promises.

Options commonly used to cover wages, PAYG and super during tight periods
Structures aligned to your payroll cycle and expected inflows
Short to medium terms to help keep repayments under control
Cash-flow aware options with clear, predictable repayment patterns
Step-by-step explanation so you know what happens before you commit

Who this suits

Payroll business loans can suit owners who have a solid business, but face timing gaps between money going out to staff and money coming in from customers or contracts.

Businesses trading 12+ months with regular payroll obligations
Employers needing short-term support to cover wages and on-costs
Businesses with delayed debtor payments or progress claims
Owners who want to avoid missing payroll or paying staff late
Businesses wanting a structured plan instead of ad-hoc overdraft use
Employers who value keeping staff paid and morale steady

General Lender Criteria

For payroll business loans, lenders focus heavily on your recent trading history, account conduct, and how comfortably repayments may fit around your ongoing payroll cycle.

All lenders require at least six months of business bank statements
Some lenders may also request BAS for larger amounts or complex cases
Some lenders focus on monthly or weekly inflows versus total payroll cost
Some lenders are comfortable with seasonal ups and downs if conduct is sound
Some lenders prefer 12+ months trading for payroll-focused facilities
Some pathways may still work even with other facilities in place

How it works

The process is designed to be calm, simple and respectful of the stress that can come with meeting payroll on time.

Quick chat to understand your payroll cycle, pressure points and goals
Secure bank-statement review for at least the last six months
Identify payroll business loan options that fit your turnover profile
Walk through structures, timeframes and commitments in plain English
You decide which option feels safest for your team and cash flow
Application guided through to settlement with clear communication

Eligibility

Eligibility for payroll business loans usually comes down to clear trading activity, realistic payroll levels, and a pattern of managing commitments as well as possible.

ABN registered and actively trading
Generally 12+ months trading preferred for most options
Minimum six months of business bank statements available
Regular payroll or contractor payments visible through your accounts
Turnover sufficient to support both payroll and proposed repayments
Willingness to discuss any past issues openly so we can position them clearly

Use of funds

Payroll business loans are typically used to protect your team, your reputation and your operational stability when timing is working against you.

Meeting weekly, fortnightly or monthly wages
Covering PAYG withholding and super contributions
Supporting payroll while waiting on large invoices or progress claims
Bridging seasonal slow periods without cutting key staff
Hiring additional staff ahead of a big contract or busy season
Stabilising operations after a one-off setback or unexpected expense

Benefits

Used carefully, a payroll business loan can be a tool to protect your people and brand, rather than a source of extra stress.

Helps you pay staff, PAYG and super on time when cash is tight
Provides structure instead of last-minute scrambling for funds
May reduce the need for emergency measures like missed payments
Keeps key people in place so you can deliver on contracts
Clearer view of how payroll and repayments work together over time
Calm, guided support so you are not making rushed decisions alone

The risk of going it alone

Juggling payroll with ad-hoc solutions — overdrafts, multiple short-term loans, or delaying super and PAYG — can quickly erode trust, create penalties, and strain relationships with your team and the ATO.

Applying directly to a lender without context can also lead to declines or structures that do not match your payroll rhythm, which may create more stress in future pay cycles.

Working with someone who understands how lenders view payroll-focused funding means you can present your situation clearly, highlight your strengths, and choose a path that aims to protect both your team and your cash flow.

Need help covering an upcoming payroll run?

If you are looking at your next wages, PAYG or super run and feeling the pressure, I can help you explore payroll business loan options based on your real numbers — calmly and without judgement.

Check Your Options

Industry pain points we usually see

Some industries feel payroll pressure more sharply than others — especially when work is won in chunks, but wages go out every week without fail.

Construction and trades: staff on site while progress claims and variations take time to be approved
Transport and logistics: drivers paid regularly while major clients pay on long terms
Manufacturing: fixed rostered staff while large orders move through production and dispatch
Hospitality and retail: casual and part-time rosters to cover busy periods, even when trade slows
Professional services: salaries continuing while invoices sit with large organisations for approval

Common scenarios we usually see

Here are a few payroll situations where a structured business loan may be worth considering:

You have a large invoice due in three weeks but payroll is due this week
A key client has extended payment terms and you want to avoid delaying wages
You have hired extra staff for a big contract and your cash buffer is thinner than usual
An unexpected event has impacted revenue and you need short-term support to protect your team

The true cost to you

Delaying wages, PAYG or super can damage staff trust, trigger penalties, and create anxiety for you and your team — even if the underlying business is solid and busy.

Exploring payroll business loan options early may help you protect your people, keep operations steady, and give yourself breathing room to focus on delivering work and collecting what you are owed.

Not sure if a payroll business loan is right for you?

You do not need to have it all figured out. I’ll help you look at your trading history, upcoming payroll obligations, and funding options so you can decide what feels responsible and sustainable for your business.