Smart End of Financial Year Finance Solutions

This article by Mary Nebotakis, Managing Director of Natloans (B. Eco, Dip. Financial Services), was published on 12 June 2025 and discusses planning for the end of the 2024–25 financial year. It covers equipment, working capital, commercial property and private funding. The original lender-panel and timing claims are dated observations, not current offers. Added explanations below distinguish borrowing from available cash and tax eligibility; funding should fit a genuine business need and repayment plan.

Equipment and Vehicle Finance: Upgrade Without the Upfront Strain

Equipment and vehicle finance spreads acquisition payments over time, which can preserve cash for operations. It also creates repayments, interest and fees; compare the total payable, deposit, any balloon payment and asset ownership terms. Finance does not make the purchase cost disappear.

The June 2025 source describes a panel of over 50 lenders, including some offering low-doc equipment finance without full financial statements. This is a dated panel claim, not proof of current product availability. Low-doc does not mean no documents or no assessment: ask which alternative income, business and asset evidence the particular lender needs. The source lists these possible assets:

• Heavy machinery
• Technology upgrades
• Medical equipment
• Fleet vehicles

Fast and flexible options are described as available, though specific terms, rates and eligibility conditions should be confirmed directly with Natloans, as these vary by lender and borrower circumstances.

Working Capital Finance: Keep Operations Running Smoothly

Cash flow lulls are common around EOFY, particularly in industries with seasonal peaks. Working capital finance can help bridge the gap for a range of operational needs, including:

• Payroll obligations
• Inventory purchases
• Supplier payments
• General operating expenses

The source lists credit lines, overdrafts, invoice finance and cash-out refinancing against vehicles or equipment. It also claims that businesses can, “in many cases”, unlock up to 100% of an asset’s value. No lender product, valuation basis or frequency evidence is supplied. Do not interpret this as a universal loan limit or an amount of spendable cash. Approved finance, existing secured debt, payout costs and new fees determine the net funds actually released.

Commercial Property Finance: Supporting Growth and Restructure

EOFY is also a time when many businesses plan for expansion or restructure their arrangements. According to the source article (published 2025-06-12), Natloans identifies the following as common commercial property funding purposes:

Commercial Property Finance Purposes Discussed in the Natloans EOFY Article (June 2025)

Purpose	Description
New premises	Investing in a new commercial or business property
Purchase existing leased property	Buying the property your business currently occupies as a tenant
Refinance for a better rate	Seeking improved terms on an existing commercial loan; compare total switching costs, remaining term and repayments before concluding that refinancing saves money.
Capital access for a project	Using property-backed lending to fund a specific business project

A range of property-backed loans is described as available. Eligibility and suitability will depend on individual circumstances; confirm options with Natloans.

Private Funding: Flexible Finance When Banks Say No

For borrowers who do not meet traditional lending criteria, private mortgage loans can offer an alternative. As described in the source article, these loans are typically secured by real estate and designed for short-term needs. Key characteristics noted include:

• Flexible terms compared to mainstream lenders
• The article’s “often within 10 business days” is an unverified historical timing claim, not a settlement promise. Valuation, documentation, legal work, security and funding conditions can affect the date.

Private funding is described as particularly useful for:

• Time-sensitive purchases
• Debt consolidation
• Business transitions
• Bridging finance between major projects

Private funding may involve short terms, substantial fees, default consequences and property security. Confirm the lender’s assessment requirements, amount received after all deductions, repayment schedule and a credible exit plan. A planned sale or refinance is not guaranteed; private lending does not mean approval without assessment.

Why Act Before EOFY?

The article identifies several potential advantages of taking action before 30 June. These are presented as possibilities that depend on your individual structure and circumstances, not guaranteed outcomes:

• Potential deductions for eligible interest, depreciation and borrowing costs depend on the use of funds, asset and tax rules. Loan principal repayments are not interest deductions; not every finance fee is deductible immediately. Approval or purchase before 30 June alone does not establish eligibility for an asset deduction.
• Planning before EOFY may help organise capital and tools for the new financial year. Avoid borrowing or buying solely to meet a deadline without testing commercial need, costs and repayment capacity.
• EOFY finance is framed not only as a tax-time consideration but as a way to create momentum and resilience entering a new financial year.

Tax treatment requires assessment by an accountant or registered tax adviser. For example, the ATO’s historical 2024–25 write-off measure required an eligible asset costing less than $20,000, first used or installed ready for use from 1 July 2024 to 30 June 2025, and eligible small-business status. The applicable rules determine the deductible business portion. These dates describe 2024–25, not a current-year entitlement.

How Natloans Can Help

Natloans operates with a team of finance brokers and mortgage brokers, working with major banks, non-bank lenders, and private funders across Australia to deliver tailored lending solutions. The stated focus is on identifying the most effective path forward for each client, whether the priority is speed, flexibility, or strategic advice.

To speak with an expert mortgage broker or finance broker, or to explore your options, you can contact Natloans:

• Phone: 1300 955 791
• Contact form: natloans.com.au/contact-us

Questions and Answers

What types of assets can be financed through Natloans' equipment and vehicle finance?

According to the June 2025 article, assets that may be financed include heavy machinery, technology upgrades, medical equipment, and fleet vehicles. The specific range available to you will depend on lender criteria and your circumstances; confirm with Natloans.

Does Natloans offer low-doc equipment finance?

The article states that a number of lenders on the Natloans panel offer low-doc loans without the need for full financials, for eligible borrowers. Whether you qualify for a low-doc option depends on individual lender assessment. Speak with a Natloans broker to understand what documentation may be required in your case.

What working capital finance solutions does Natloans discuss?

The article describes credit lines, overdrafts, invoice finance, and cash-out refinancing using existing assets such as vehicles or equipment as working capital solutions available through Natloans' lender panel. Availability and suitability depend on your individual situation.

Can I use an existing asset to access working capital?

The source describes cash-out refinancing against vehicles or equipment, with a claim of up to 100% of value in many cases. That claim is not backed by a named current product or frequency data. Net available cash is the approved amount less existing debt payouts and deducted costs; valuation and lender criteria apply.

What commercial property funding purposes does the article discuss?

In its article published 2025-06-12, Natloans states that EOFY is a time when many businesses plan for expansion or restructure, and identifies the following purposes: investing in a new premise, purchasing the existing property you are leasing, reducing costs by getting a better rate on your current loan, or accessing capital for a project. A range of property-backed loans is described as available. Source: natloans.com.au/eofy-finance-strategies-what-you-should-know/

What is private mortgage funding and who is it suited to?

As described in the source article, private mortgage loans are typically secured by real estate and designed for short-term needs. They are presented as an option for borrowers who do not meet traditional lending criteria, and are described as suited to time-sensitive purchases, debt consolidation, business transitions, and bridging finance. Terms and costs differ from mainstream bank lending; discuss suitability with a Natloans broker.

How quickly can private funding settle?

The June 2025 source says “often within 10 business days”, but supplies no service guarantee or completion data. Ask for a case-specific timeline after valuation, legal and documentation requirements are known, and retain a contingency if settlement is delayed.

What potential EOFY advantages does the article mention?

The source suggests potential interest, depreciation and finance-cost deductions and better preparation for the new year. These depend on actual eligibility, business use and timing rules. Finance approval does not by itself create a deduction, and a deduction does not refund the whole purchase price. Check with a qualified tax adviser before committing.

How should I use the figures and policy references in this article?

The original page records a publication date of 2025-06-12. Treat its figures, scheme details and market commentary in that dated context. Check current lender terms and the relevant official authority before making a decision. Source: natloans.com.au/eofy-finance-strategies-what-you-should-know/

Does Natloans work with both bank and non-bank lenders?

Yes. The article states that Natloans works with major banks, non-bank lenders, and private funders across Australia. The lender panel is described as comprising over 50 lenders as at the June 2025 publication date; confirm the current panel with Natloans.

How do I get in touch with Natloans to discuss EOFY finance?

You can call Natloans on 1300 955 791 or send a message via the contact page.

Are there related articles I can read for further context?

Natloans has published related articles that may provide useful context:

• What Are the Different Types of Trusts You Can Use When Borrowing Money?
• How to Prepare for EOFY 2025 and What Possible Rate Cuts Could Mean for You

Next Steps

If you are considering finance options ahead of or around EOFY, the practical next steps are:

1. Identify which finance category is most relevant to your immediate need: equipment, working capital, commercial property, or private funding.
2. Gather an overview of your current financial position, including any existing assets that may be used as security.
3. Speak with a qualified accountant or tax adviser about potential EOFY tax implications specific to your structure.
4. Contact a Natloans broker to discuss your options and receive guidance tailored to your situation.

Contact Natloans on 1300 955 791 or via the online contact form.

Source References

• Natloans original article, Mary Nebotakis, Managing Director; published 12 June 2025, modified 3 September 2025, retrieved 15 October 2026.
• Natloans Contact Page: natloans.com.au/contact-us/

Prepare a finance decision pack

This checklist adds practical context to the source; it is not a statement that every Natloans lender requires the same documents.

Information	Decision it supports
Asset quote and delivery date	Verify the asset, cost, ownership and when it can actually be used.
Existing finance and payout statement	Calculate debt to discharge and fees before estimating cash released.
New repayment schedule	Include interest, regular fees, balloon and total payable.
Cash-flow forecast	Allow for seasonal downturns, tax payments and a buffer.
Security and valuation	Understand the accepted value, guarantees and property or asset at risk.
Deadline and exit plan	Confirm delivery, settlement dependencies and how short-term debt will be repaid.

Illustration: asset value is not cash in hand

If an asset is valued at $100,000, a lender approves $90,000, existing debt requires a $40,000 payout and $5,000 of costs are deducted, net cash released is $45,000. This is arithmetic only, not an available Natloans product, valuation or fee quote.

For the distinction between interest and principal, see ATO TR 2000/2 on interest and the use of borrowed funds, and TR 2011/6 on capital expenditure and principal repayments. The purpose and applicable deduction provision matter.