From 1 July 2026, the working capital pressure on Australian SMEs could get measurably worse.
Payday Super removes the quarterly super buffer businesses have quietly relied on for years. ATO enforcement is at a decade high, with Director Penalty Notices up 136% in FY25. Late payments are at a six-year high. And 68% of SMEs haven't adjusted their cash flow for any of it.
That's not a compliance problem. That's a commercial finance pipeline.
Every client conversation you're having right now about payroll, tax obligations, supplier payments or growth investment is a working capital conversation. The brokers who recognise this will see a significant amount of opportunity over the next 6 months.
Through Connective Cashflow, you can offer clients two revolving lines of credit with no upfront real estate security required:
Debtor Finance releases up to 85% of invoice value within 24 hours. Limits up to $25M per ledger, no debt service tests, no financial covenants. Grows with turnover. The right solution for clients stretched by late payments, ATO obligations or the Payday Super transition.
Trade Finance pays local and international suppliers now. Fast Matrix approvals. Ideal for clients looking to take advantage of bulk purchases from suppliers or restructuring their finances to free up assets.
Both products sit alongside existing bank arrangements. Consolidation of existing cash flow lenders into a single facility is also available.
Connective Cashflow delivers upfront and ongoing commissions on both products, plus airline reward points on settled deals. Your clients can earn points on facility usage too, giving them another reason to stay.
EOFY is the most natural entry point for this conversation with your business clients. Whether it be spot and refer or reaching out to your Connective Cashflow BDM, they can help you structure scenarios and move applications forward quickly.
If your SME clients are managing payroll, ATO obligations, supplier payments or growth funding, your Connective Lending Manager or Connective Cashflow BDM can help structure the right cash flow solution.
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