EOFY Finance Countdown: 5 Smart Money Moves SMEs Must Make Before June 30

A Strategic Guide for Australian Business Owners Preparing for End-of-Financial-Year Success

As June 30 approaches, the end of financial year (EOFY) marks a critical time for Australian small and medium-sized enterprises (SMEs). It’s not just about tidying up the books—it’s a valuable opportunity to improve your tax position, optimise cash flow, secure funding, and prepare your business for a strong start to the new financial year.

At DeMarque Finance, we work with SMEs across industries to help them make smart, proactive financial decisions—especially during EOFY. In this article, we outline the five most important money moves your business should make before June 30, along with actionable insights on how finance can support your growth.

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1. Review Your Business Cash Flow and Financial Health

EOFY is the perfect time to take a hard look at your cash flow position, outstanding receivables, payables, and debt obligations. Cash flow is the engine that keeps your business running—and understanding your inflows and outflows will help you identify gaps and opportunities.

Key Actions:

• Reconcile accounts and chase overdue invoices
• Pay down short-term debts if possible
• Delay non-essential purchases until the next financial year
• Identify any cash flow gaps that need bridging

If your business is facing short-term pressure due to slow-paying customers or seasonal fluctuations, consider using invoice finance or a business overdraft to bridge the gap.

💡 Pro Tip: EOFY is also a great time to conduct a 12-month cash flow forecast to anticipate future challenges and capital needs.

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2. Take Advantage of Instant Asset Write-Off Opportunities

EOFY presents one of the most powerful tax-saving opportunities for eligible businesses: the instant asset write-off scheme. SMEs can immediately deduct the cost of eligible assets—such as vehicles, equipment, tools, and technology—purchased and installed before June 30.

Benefits of Instant Asset Write-Off:

• Reduce your taxable income
• Upgrade or replace old equipment
• Improve business productivity with new assets

If you’re considering purchasing:

• Commercial vehicles or delivery vans
• Machinery or manufacturing equipment
• Computers, POS systems, or office fit-outs

…now may be the time to act. But keep in mind that you’ll need to finance the asset and have it installed or ready for use by June 30 to qualify.

💼 How DeMarque Finance Can Help:

We offer fast, flexible asset finance solutions with approval in as little as 24–48 hours. This means you can acquire the equipment you need before EOFY and still claim tax deductions.

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3. Optimise Your Business Structure and Tax Strategy

EOFY is a valuable time to sit down with your accountant or financial advisor and ensure your business structure still suits your goals. If your business has grown over the past 12 months—or if you plan to scale next year—it may be time to rethink your current setup.

Consider:

• Whether to operate as a sole trader, partnership, trust, or company
• Superannuation contributions (for owners and staff)
• Maximising deductions (e.g., bad debt write-offs, prepaying expenses)
• Capital purchases and depreciation schedules
• Distributions and dividend planning for company owners

You may also want to evaluate your existing loan structures to determine whether refinancing or consolidating could offer better cash flow outcomes in the new financial year.

💡 EOFY Tax Tip: Making additional super contributions for yourself or your employees can reduce your tax bill while preparing for long-term financial stability.

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4. Use Business Finance to Prepare for the Next Growth Stage

EOFY isn’t just about looking back—it’s your chance to plan ahead. Whether you’re thinking about hiring new staff, expanding locations, or launching a new product line, a well-timed business loan can help you fund these initiatives strategically.

Smart Uses for Business Term Loans Before EOFY:

• Secure funding before July to lock in current interest rates
• Invest in marketing and digital infrastructure ahead of Q1 growth
• Stock up on inventory before price increases or supply chain delays
• Pay off or consolidate high-interest debts

At DeMarque Finance, we work with businesses across sectors to provide tailored finance solutions including:

• ✅ Term loans for growth and investment
• ✅ Working capital loans for day-to-day operations
• ✅ Commercial vehicle and equipment finance
• ✅ Overdrafts and revolving lines of credit

With flexible repayment structures, fast approvals, and access to bank and non-bank lenders, we can help you move confidently into the new financial year.

📌 CTA: Need funding for business expansion or EOFY planning? [See if you qualify here →]

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5. Organise & Digitise Your Financial Records

Strong financial documentation isn’t just good for compliance—it sets your business up for faster funding approvals, easier tax lodgements, and better financial decision-making.

EOFY Record-Keeping Checklist:

• Up-to-date profit and loss statements
• Accurate balance sheets and cash flow reports
• Log of asset purchases, loans, and financing
• Complete list of invoices issued and payments received
• Payroll records and superannuation payments
• Copies of BAS, GST, and PAYG statements

If your current systems are clunky, consider investing in cloud-based accounting software like Xero, MYOB, or QuickBooks. Many business lenders—including those we work with at DeMarque Finance—prefer borrowers who can submit digital reports, making the process much faster and easier.

💡 Bonus Tip: If you’re a sole trader or company director, don’t forget to update your personal financial records, as these are often reviewed in credit assessments for business loans.

EOFY Financial Checklist Summary

How DeMarque Finance Can Support Your EOFY Planning

EOFY is one of the busiest times for Australian SMEs—and also one of the most powerful moments to make smart financial decisions. At DeMarque Finance, we help business owners:

• ✅ Access fast, strategic finance options tailored to EOFY needs
• ✅ Compare rates across banks and non-bank lenders
• ✅ Take advantage of tax-deductible asset purchases
• ✅ Improve cash flow with invoice finance or overdrafts
• ✅ Prepare for the next financial year with confidence and control

📞 Ready to take action before June 30? Our team is standing by to help you secure the funding, equipment, or cash flow support you need.

👉 Need funding for business expansion? – see if you qualify below

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal, nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced, or republished without prior written consent. © DEMARQUE GROUP PTY LTD 2025. All rights reserved.