The moment money enters your account, SmartFin splits and locks tax, super, and obligations — automatically. Before you can spend them.
This isn't budgeting software. It's financial enforcement infrastructure.
Aligned with the ATO Digital Reinvention Programme · Built on NPP/PayTo · CDR-Ready
No credit card required. Australian businesses only. Currently in early access.
Australia has 2.5 million small businesses. The most common cause of insolvency isn't low revenue — it's spending money owed to the ATO, to employees' super, to suppliers. By the time the tax bill arrives, the funds are gone. Every existing tool — Xero, MYOB, bank apps — tells you what you should have done. SmartFin ensures it's already done.
A payment lands in your SmartFin account — from any customer, client, or income source. The moment it clears, the system activates.
In real time, SmartFin allocates GST, PAYG, superannuation, and fixed obligations into ring-fenced buckets — before you can see a spendable balance.
When BAS is due, it's paid. When payroll runs, super is locked and dispatched. Settlement is automatic. You never touch the obligations — and they're never at risk.
SmartFin's Lock System covers every financial obligation an Australian business faces.
GST collected from customers is isolated the moment it's received — cannot be accessed, paid automatically at BAS time.
~$340B GST collected annually in AUEvery payroll run quarantines PAYG withholding. When BAS arrives, the funds are already there — always.
Eliminates PAYG component of $17.2B tax gapEmployer super contributions are locked from each payroll — dispatched to funds on time, every time. Never at risk of spending.
Addresses $3.4B in unpaid super annuallyReserved amounts for recurring supplier invoices are locked from incoming revenue. Settlement is automated on invoice arrival.
Eliminates largest cause of B2B insolvencyRent, lease, insurance — set once, covered always. These are satisfied before any discretionary spending is visible.
Rent default rate drops to zero for enrolled accountsDesignate a percentage of revenue to business savings, growth reserves, or emergency funds — locked automatically from every payment.
Enforces savings discipline with zero willpowerLive scoring across cashflow, compliance, and obligations — refreshed with every transaction. In Phase 2, a high score unlocks pre-approved embedded lending at competitive rates.
Live in dashboard · Lending Phase 2The ATO's Small Business Tax Gap ($17.2 billion annually) exists not because businesses intend to default — but because by the time the bill arrives, the funds are spent. SmartFin operates at the infrastructure layer, locking GST and PAYG at the moment of receipt. The ATO does not need to pursue funds that were never at risk of being spent.
Structural prevention at source — not retrospective enforcement after the fact. The tax gap closes because the funds were never at risk.
Workers' retirement security locked automatically at every payroll. Unpaid super is eliminated at the infrastructure layer.
Built to complement, not compete with, the ATO's programme. SmartFin is the infrastructure that makes the Digital Reinvention objectives achievable.
Beta access includes priority enrolment, founding-member pricing, and direct input into product direction. Operational dashboard, settlement engine, and Financial Health Score are live today.
From 1 October 2026, Australian merchants cannot pass card processing fees to customers. Hospitality and retail will absorb every transaction cost. SmartFin's cost allocation and fund management tools are built precisely for this moment.
Get Ready for October 2026SmartFin isn't a feature — it's the infrastructure layer. And infrastructure compounds.
The detailed investor information that follows — including revenue model breakdown, build cost, projected valuation, and global expansion path — is intended only for wholesale or sophisticated investors as defined under section 708 of the Corporations Act 2001 (Cth). By proceeding, you confirm you meet that definition.
Recurring revenue, structural moat, low churn by design. Businesses cannot easily leave once compliance is embedded at the infrastructure layer.
Pooled trust balance generates passive yield at scale. As enrolled businesses grow, float income compounds without additional acquisition cost.
The compliance data creates a Financial Health Score enabling a lending product. Deep moat — revenue without new acquisition cost at each extension.
SmartFin is currently in early access. Request your place.
No spam. No unsolicited calls. Treated as confidential.