Financing BAS Payments: How to Avoid a Cash Flow Crunch

Don’t Let BAS Deadlines Catch You Out

Running a small business is hard enough — and surprise tax deadlines can make it harder.

Missing payment dates like BAS, PAYG, or superannuation doesn’t just mean late fees.

It can put pressure on your cash flow, your staff, and your suppliers.

Here are the key deadlines every Australian business owner should know:

• BAS (Business Activity Statements): Due quarterly — 28th of October, February, April, and July
• Superannuation Guarantee: Due 28th of January, April, July, and October
• PAYG Withholding: Due with BAS or monthly for larger payrolls
• Income Tax: Usually due in May (if lodged via an accountant)

Why Deadlines Hurt Small Business Cash Flow

It’s not that most small businesses aren’t profitable — it’s that the ATO wants money before yours comes in.

You could be waiting on invoices, paying wages, or restocking — and the tax bill still lands on your desk.

This mismatch leads to:

• Late ATO payments (which attract 11%+ interest)
• Delayed supplier payments
• Personal savings or credit cards used to cover gaps

How Finance Can Help You Stay Ahead

Instead of reacting to pressure, a finance broker can help you plan ahead and smooth out cash flow.

Popular solutions include:

• Unsecured Business Loans — Fast approval, no collateral, ideal for clearing tax bills
• Invoice Finance — Unlock funds tied up in unpaid invoices
• Lines of Credit — Flexible funding when you need it
• Asset Finance — Spread the cost of vehicles or equipment over time

Final Word

Deadlines are fixed — but how you prepare for them is flexible.

With the right funding, you can avoid late fees, protect your business relationships, and stay compliant without panic.

BMG provides educational content only. Speak to a qualified finance specialist for advice tailored to your business.

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