The deadline is set. From 1 July 2026, the way you pay superannuation will change forever.
Under the new "Payday Super" legislation recently introduced, Australian employers must pay superannuation contributions at the same time they pay wages. For the Security industry—where margins are tight and client payment terms can be long—this isn't just an administrative tweak. It is a fundamental shift in how your business manages its working capital.
Do you know what this means for your bottom line?
The "Cash Flow Crunch" for Security Businesses
If you are like most security businesses, your cash flow cycle likely looks something like this:
- You pay staff weekly or fortnightly.
- Your clients pay you anywhere between 7 to 60 days later.
- You currently pay Superannuation quarterly.
Right now, that quarterly superannuation payment acts as a natural buffer. It allows you to hold onto cash for up to three months, using those accrued entitlements as temporary working capital to bridge the gap between paying your guards and getting paid by your clients.
On July 1st, 2026, that buffer disappears.
When Payday Super comes into effect, superannuation must be paid immediately alongside wages. You will no longer be able to use these entitlements to float your operations while waiting for invoices to be paid.
If you don’t prepare early, this change could leave your business funding superannuation entitlements out of your own pocket long before client money arrives, creating instant and significant pressure on your liquidity.
How ‘Guardhouse Funding’ Helps You Stay Ahead
The change is mandatory, but running out of cash doesn’t have to be.
We know that waiting for client payments is one of the biggest hurdles to growth in the security sector. That’s why Guardhouse has partnered with industry specialist Apositive to bring you Guardhouse Funding—a solution designed to help you stay compliant and funded with minimal disruption.
1. Know Your Numbers (Before It’s Too Late)
To help you prepare early, our partner Apositive has built a Payday Super Cashflow Calculator. This simple tool shows you exactly how much additional capital your business will need once the legislation hits.
In just a few minutes, you can visualise the potential impact on your cash position and start planning with confidence, rather than guessing.
2. Bridge the Gap with Unpaid Invoices
Guardhouse Funding is an integrated solution that allows you to access funds tied up in your unpaid invoices, effectively neutralising the pressure of Payday Super.
- Unlock cash from your unpaid invoices within 24 hours.
- Pay wages + super on time, every time, without dipping into reserves.
- Eliminate cash flow gaps caused by slow-paying clients.
- Scale your placements without worrying about liquidity limits.
- Stay fully compliant with Payday Super from day one and avoid ATO fines.
The Verdict
Understanding the numbers now gives you the time to make informed decisions—whether that involves adjusting your internal processes, strengthening your cash flow buffers, or setting up a funding facility well before the deadline.
Payday Super is a BIG change, but the solution is SIMPLE.
Guardhouse Funding ensures you remain compliant, funded, and ready for growth, no matter when your clients pay their bills.
Don’t let the deadline catch you off guard.
Let us walk you through your exact exposure and show you how to prepare. Book a quick chat with our Customer Success Managers:
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