As the end of the financial year (EOFY) approaches, business owners across Australia are looking for smart strategies to reduce tax liabilities and strengthen their financial footing for FY26. While most scramble to finalise paperwork, the savviest operators are also turning to finance brokers to capitalise on tax-effective funding options.
At Capital Plus Finance, we see this time of year as a golden opportunity for businesses to invest wisely, boost deductions, and improve their financial agility. Here’s how.
Why EOFY Is Prime Time for Strategic Finance Moves
The lead-up to June 30 is more than just tax prep season—it’s an ideal window to make finance decisions that reduce your taxable income and set your business up for growth. Consider:
- Instant Asset Write-Offs
Businesses can claim immediate deductions for eligible equipment purchases. If you’re looking at buying a new vehicle, machine, or tech tool, financing it before EOFY can bring forward valuable tax deductions.
- Prepaying Expenses
Prepaying interest or business expenses (like insurance or rent) using a short-term business loan can allow for deductions this financial year, even if the expenses are technically for next year.
- Upgrading Old Equipment
Modernising your assets can not only reduce repair and downtime costs but also make you eligible for various tax incentives, especially when financed appropriately.
Finance Options That Make EOFY Work Harder for You
Smart EOFY planning isn’t just about spending; it’s about structuring your finance to your advantage. Consider:
✅ Equipment Finance
Instead of paying a lump sum upfront, structure a loan or lease and claim deductions without draining your working capital. This can be useful for trucks, trailers, earthmovers, or even office fitouts.
✅ Chattel Mortgage
Popular with tradies and transport operators, a chattel mortgage lets you finance work vehicles while potentially claiming the GST and depreciation benefits immediately.
What to Ask Your Finance Broker Before June 30
- What finance options offer the best tax benefits for my business size and industry?
- Can I secure funding and settle before June 30? Timing is everything.
- What’s the trade-off between upfront tax benefits and long-term cash flow?
Don’t Let EOFY Deadlines Slip
Finance approvals and settlement can take several days—even weeks—depending on the lender and the type of asset. If you’re planning a move before June 30, now is the time to act.
At Capital Plus Finance, we streamline the process with fast pre-approvals, access to over 50 lenders, and tailored options for small-to-medium businesses across all sectors.
Final Thought
EOFY isn’t just about wrapping things up—it’s about planning for what’s next. With the right finance strategy in place, you can reduce your tax bill and launch into FY26 with stronger cash flow, upgraded assets, and less financial stress.
Get the Equipment You Need—Without the Financial Stress
From new machinery to expanding into new projects, equipment finance lets you invest in growth while keeping your cash flow healthy.
👉 Book a meeting with the Capital Plus Finance team today
