We partner with accountants, bookkeepers, payroll professionals and business advisors to solve payroll-driven cash compression and working capital gaps — before they become compliance failures. You keep the relationship. We provide the capital structure.
These are not compliance failures. They are capital structure issues. And the advisor who identifies the structural funding gap early — and provides a structured solution before the ATO notice arrives — becomes permanently indispensable to that client.
The SG rate has reached its legislated ceiling. Businesses that have not adjusted pricing, billing cycles, or working capital reserves to absorb the cumulative increase are feeling it in their cash position right now.
Super must be remitted on every payday — not quarterly. For businesses managing cash on a 90-day super float, this is a structural shift equivalent to adding a 25th payroll per year.
Most SMEs invoice on 30–60 day terms but face payroll and super obligations every fortnight. The structural mismatch between when cash arrives and when obligations fall due is widening.
Businesses with existing ATO debt arrangements face compounding pressure as new super remittance obligations land on top of current repayment schedules.
You see the financials before any lender does. You know which clients are approaching a cash compression event. We help you solve it before it becomes a problem — and before another advisor does.
You see payroll runs, super obligations, and cash flow in real time. The Payday Super transition will hit your clients before most accountants notice. You can be the first call that prevents a compliance failure.
You run the obligations directly. When payroll goes out on time but super cannot, the problem lands on your desk. We help you offer a structural solution, not just a sympathy call.
Your clients hire you to see around corners. Adding working capital and cash flow structuring to your advisory offering — without adding credit risk to your practice — is what partnerships enable.
Business acquisitions, property transactions, and restructuring events all generate finance needs. We handle the credit structure so you can focus on the legal and commercial dimensions.
If your clients face sector-specific capital challenges — healthcare equipment, education infrastructure, transport fleet upgrades — we bring specialist credit knowledge you can refer with confidence.
Your client stays your client. We work alongside you, not around you. We never contact your client directly without your knowledge and we never position ourselves as a competing advisor.
We do not push clients into facilities that do not fit. If a client has an ATO payment plan problem, a working capital gap, and a super compliance risk, we map the right structure — not the easiest sale.
Some situations need a response in 48 hours. Others need three weeks of credit preparation. We set realistic timelines and communicate them clearly — to you and to your client.
Every communication to your client reflects on your practice as well as ours. We write, speak, and present at the level of a senior financial professional — not a call-centre broker.
We do not have volume targets with any lender. We select the lender with the best credit appetite, pricing, and product fit for each specific deal — including lenders we may use infrequently.
Once you have made the introduction, we handle everything — the assessment, the credit framing, the lender submission, the conditions, and the settlement. You get a brief update at each milestone.
I referred a construction client who had been declined twice. KK came back to me within 24 hours with a clear analysis of why they'd been declined and what needed to change. That level of transparency is rare — most brokers just say they're working on it.
My clients are payroll-heavy businesses. With Payday Super coming, I've been sending them through the calculator and then booking a call with KK. The process is seamless — and he never makes me feel like he's competing for my client relationship.
The submissions KK puts together are proper credit documents — the kind you'd see from an institutional team. My clients come back impressed, which reflects well on the practice for introducing them to him.
For most accountants, bookkeepers, and business advisors, referring clients to a licensed credit representative does not trigger credit licensing obligations under the NCCP Act, provided you do not provide credit advice or assist in the credit application process. We handle all regulated credit activities. If you are uncertain about your obligations, we recommend confirming with your professional body or a legal advisor.
Yes — and this is typically a positive. Clients appreciate when their trusted advisor has identified a problem and connected them to a specialist solution. We position the referral as an extension of your advisory relationship, not a handoff to a third party.
We provide a clear explanation of why the application was not approved and what, if anything, can be done to improve the position over time. We never leave clients without a clear understanding of their situation. This approach protects your relationship with the client — and means they are more likely to come back when their position improves.
No minimum volume or deal size. We work on individual referrals as well as ongoing referral relationships. If you have one client who needs specialist finance help, that is enough to have a conversation.
We aim to contact referred clients within one business day of receiving the referral. For urgent situations — where a compliance deadline or settlement timeline is at risk — we can typically respond same day if you flag the urgency.
Referral arrangements are available and can be discussed on a case-by-case basis. All referral arrangements are documented and conducted in accordance with regulatory requirements. Please raise this when you register as a partner and we will discuss the options that apply to your practice type.
Tell us about your practice and the types of clients you work with. We will confirm our partnership arrangement and provide you with everything you need to make your first referral.
Confidential · No Obligation
