Australian small-to-medium enterprises (SMEs) are bracing for a cash flow crunch as significant new payroll and tax legislation rolls out over the next two years.

The changes will force SMEs to adjust their financial and administrative practices in order to remain compliant and put further pressure on their ability to effectively manage their cash flow.

CEO James Beeson said, “At a time when SMEs are already battling a tight labour market and rising operational costs, these changes will only add more pressure to their cash flow.

“Many businesses will need to rethink their finance strategies.”

From 1 July 2025:

From 1 July 2026:

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  The shutdown of the Small Business Superannuation Clearing House (SBSCH) means SMEs will need to find and pay for alternative platforms, such as Xero or MYOB, to process super payments.

“SMEs need to act now to stay ahead of the changes and set themselves up for success,” Beeson said.

To help navigate these shifts, SMEs should:

For businesses concerned about managing cash flow through these changes, invoice finance can provide access to working capital by unlocking funds tied up in unpaid invoices.

Invoice financing allows SMEs to secure funding against the value of their outstanding invoices, providing a much-needed alternative to traditional bank loans that often require real estate as collateral.

“Invoice financing smooths cash flow, enabling businesses to pay staff, suppliers, and invest in growth – all without relying on their personal assets like the family home,” Beeson added.

also integrates with platforms like and MYOB, streamlining access to funds for SMEs.