EOFY 2026: funding moves to make before 30 June

The run-up to 30 June concentrates the mind. Decisions that drifted along all year suddenly have a deadline, and the calendar starts to shape what makes sense to buy, to fund, and to defer. End of financial year isn't only an accounting exercise — it's one of the few moments where timing and tax genuinely intersect.

What follows is general guidance, not tax advice. Your accountant knows your numbers; the goal here is to make sure funding doesn't become the thing that holds up a good decision in late June.

Equipment: timing is everything

If you've been weighing up a vehicle, a machine, or a fit-out, EOFY is when the question gets sharper. Buying before 30 June can change when a deduction lands, and depreciation rules and any write-off provisions can make the timing meaningful. The catch is that good assets get snapped up in June, and waiting until the last week often means paying more or missing out. Lining up equipment and asset finance early keeps you ready to move when the right deal appears.

The cost of a great asset isn't only its price — it's also the deal you miss because the money wasn't ready.

Stock and the cash-flow squeeze

EOFY often collides with quieter trading and a heavier tax bill, which is a tough combination for cash flow. Owners who stock up for the new financial year, or who simply need to bridge a lean few weeks, sometimes find the timing painful. Short-term cash-flow funding can smooth that hump so a soft June doesn't force a bad decision in July.

• Map out your June and July cash position now, while you still have time to act.
• Confirm any equipment purchases with your accountant before committing — the tax treatment drives the timing.
• Check the current instant asset write-off threshold with the ATO or your accountant rather than assuming last year's figure still applies.
• Keep a buffer for the tax bill itself; funding a known liability is rarely the cheapest option.

Keep your options open

The owners who navigate EOFY well are usually the ones who set themselves up in advance. That doesn't mean borrowing — it means knowing what you could borrow, and how fast, so the decision in late June is about strategy rather than scrambling. An approval in principle costs nothing to explore and means you're not stuck waiting on paperwork when the clock runs down.

What it means for you

EOFY rewards planning. If equipment, stock or a cash-flow gap is on your list before 30 June, it's worth knowing your options early. Apply in around three minutes with no hit to your credit score to check, and you'll have a clear picture well before the deadline.