With the financial year ending 30 June, now is the time for Sydney businesses to take action. Whether you’re a sole trader or running a team, EOFY (End of Financial Year) presents a window to reduce tax, boost deductions, and set up your business for the new financial year.

At The Loan Spot, we help business owners make strategic EOFY decisions by offering fast-access funding and smart finance solutions.

Why EOFY Matters

The lead-up to 30 June is your last chance to:

• Maximise your tax deductions

• Clear or consolidate business debt

• Pre-pay expenses to reduce taxable income

• Upgrade equipment or tools

• Reinvest into marketing or training

• Secure working capital for Q1 of the new year

Smart EOFY Finance Strategies

1. Purchase Equipment Before 30 June
   Tools, machinery, or business vehicles bought before EOFY may be claimable this year under instant asset write-off thresholds.

2. Refinance Existing Business Debt
   Replacing multiple loans with one fixed repayment can streamline finances and potentially reduce tax liabilities.

3. Secure a Working Capital Buffer
   Slow winter months? A cash injection now can help cover wages, stock, or supplier payments while you wait for receivables to roll in.

4. Pre-Pay Business Expenses
   Some insurance, rent, and supplier invoices can be prepaid and claimed as deductions.

Who Should Take Action?

EOFY strategies are ideal for:

• Tradies and contractors

• Retailers and eCommerce businesses

• Hospitality and service-based businesses

• ABN holders looking to invest or reduce taxable income

• Any business planning for growth in the 2025–26 financial year

How The Loan Spot Can Help

We offer:

• Equipment finance

• Working capital loans

• Short-term business loans

• Low-doc options for ABN holders

• Fast approvals — often within 48 hours

EOFY is all about timing. If you’re planning to upgrade, reduce tax, or improve your cash position, now is the moment.

Let us help you finish the year strong — and start the new one smarter.

Complete the form below to receive your pre-approval in just 60 seconds. This service is free and will not affect your credit score.