GST settlement funding calculator

GST settlement funding covers the gap between paying GST at settlement and receiving it back through your next BAS — a timing problem rather than a permanent cost, but one that still needs cash today. Enter the purchase price for context, the GST amount you need to fund, how many days you expect until the BAS refund lands, and an interest rate to test.

Funding cost is simple interest on the GST amount for the days it is outstanding; effective cost expresses that as a percentage of the GST amount funded, which is usually a small figure given the short timeframe most of these facilities run for. The actual number of days depends on your BAS lodgment cycle and the ATO's processing time, both worth confirming before relying on this figure. This kind of short-term funding is typically arranged through private lenders and non-bank lenders on our panel, business-purpose and investment-purpose settlements only, and priced against the transaction and the borrower's position rather than a standard product rate. The purchase price field is for context only — GST settlement funding is priced against the GST amount itself, not the full transaction value, so a larger purchase does not necessarily mean a larger facility. Confirm the exact GST liability and expected refund timing with your conveyancer or accountant before settlement, since both figures are set by the transaction and the ATO rather than by us.