Case Study

Labour hire company escapes Payday Super hit and thrives

Industry:

  • Labour Hire

Finance Type:

  • Debtor Finance

How a growing labour hire business escaped the cash flow constrictions of Payday Super and increased their growth within 60 days.

Situation

“Sarah” had spent eight years building a powerhouse labour-hire firm in the construction and logistics space. She was profitable, had a blue-chip client base, and a reputation for reliability.

However, as 1st July 2026 approached, Sarah was staring at a potential “Growth Catastrophe”. While her order book was full, the upcoming Payday Super mandate meant her quarterly cash flow “buffer” was about to vanish.

Problem

Paying superannuation every payday – instead of quarterly – represented an effective 10% cut in her day-to-day business liquidity. She was already giving her customers interest-free loans due to 45+ day credit terms. Payday Super would require her to pay super immediately, losing the 90 day buffer that quarterly payments had given her.

Her traditional bank overdraft was capped and property-secured, meaning any further business growth requiring an initial outlay would put her family home at higher risk.

Solution

Sarah didn’t need a simple loan; she needed a powerful Working Capital Strategy that moved as fast as her payroll. We implemented a Confidential Debtor Finance facility tailored for here high-growth labour hire business.

Debtor Finance delivered 80% of invoice value to her bank account within 24 hours of raising the customer invoice. The tech-enabled funding plugged directly into her accounting software to read her receivable in real time – so one initial application was all she needed. This meant money Sarah could draw on fast – and money that she had earned (not more debt).

Instead of begging a bank manager, Sarah got a flexible finance facility that let her draw up to 80% of her unpaid invoices – money she could use to build her business.

And as the product we chose was fully confidential, she could maintain the hard-won trust of her customers.

Results

The results were tangible – and the solution started delivering months before July 1st.

  • Payday Super Neutralised: The 10% cash flow shift was absorbed instantly. Sarah now has the liquidity to meet every super obligation on time, without checking the bank balance with a “knocking on empty” feeling.
  • Property Protected: Sarah was able to reduce her reliance on her home-secured bank loan, moving the debt to her business’s most valuable asset: her receivables.
  • The Capacity to Say “Yes”: Within 60 days of implementation, Sarah secured a new state-wide contract that required an additional 20 contractors. Previously, she would have walked away due to “Trapped Capital”—now, she has the “Opportunity Velocity” to fund it.

“I’ve been running this business for 8 years, but the 2026 changes felt like a wall I couldn’t climb. Martin didn’t just give me finance; he gave me a powerful strategy AND one that lets me sleep on Wednesday nights before payroll goes out.”

– Sarah, Labour Hire Founder

TALK TO A WORKING CAPITAL STRATEGIST