By Mary Nebotakis, Managing Director, Natloans, B. Eco, Dip. Financial Services

As the end of the financial year (EOFY) approaches, it’s an ideal time for business owners and operators to review their financial strategy. Whether you’re planning to invest in new equipment, stabilise cash flow, or take advantage of seasonal opportunities, timely access to funding can make a critical difference.

At Natloans, we’ve seen firsthand how strategic finance planning in the final quarter can set businesses up for a stronger new year. In this article, we outline several finance options that can support your EOFY goals—and help you stay agile in today’s economic environment.

Equipment & Vehicle Finance: Upgrade Without the Upfront Strain

EOFY is a common time for businesses to invest in new tools, vehicles, or machinery. With equipment and vehicle finance, you can avoid large upfront costs and instead spread payments over time—preserving working capital for other needs.

For eligible borrowers, Natloans works with a panel of over 50 lenders, a number of which offer low-doc loans without the need for full financials. Whether you need heavy machinery, technology upgrades, medical equipment, or a fleet vehicle, fast and flexible options are available.

Working Capital Finance: Keep Operations Running Smoothly

Cash flow lulls are common at this time of year, especially in industries with seasonal peaks. Working capital finance helps bridge the gap—whether for payroll, inventory purchases, supplier payments, or general operating expenses.

We work with several lenders that offer solutions such as credit lines, overdrafts, invoice finance, and even cash-out refinancing using existing assets like vehicles or equipment. In many cases, businesses can unlock up to 100% of an asset’s value.

Commercial Property: Finance for Growth

EOFY is also a time when many businesses plan for expansion or restructure. Whether you plan to invest in a new premise, purchase the existing property you are leasing, want to reduce costs by getting a better rate on your current loan, or simply need access to capital for a project, a range of property-backed loans are available.

Private Funding: Flexible Finance When Banks Say No

For borrowers who don’t meet traditional lending criteria, private mortgage loans offer a compelling alternative. These loans are typically secured by real estate and designed for short-term needs, offering flexible terms and fast settlement—often within 10 business days.

Private funding is especially useful for time-sensitive purchases, debt consolidation, business transitions, or bridging finance between major projects.

Why Act Before EOFY?

Taking action before June 30 may offer several advantages. You may be able to claim deductions on interest, asset depreciation, or finance costs depending on your structure and purchases. It also allows you to enter the new financial year with a clear plan, sufficient capital, and the right tools in place.

EOFY finance is about more than tax-time benefits—it’s about creating momentum and resilience as you enter a new financial year. 

Talk to a Finance Specialist

With a team of expert finance brokers and mortgage brokers, Natloans works with major banks, non-bank lenders, and private funders across Australia to deliver tailored lending solutions. Whether you’re after speed, flexibility, or strategic advice, we can help you identify the most effective path forward.

To speak with an expert mortgage broker or finance broker or explore your options, give us a call on 1300 955 791 or send us a message here.

By Mary Nebotakis, B. Eco, Dip. Financial Services, Managing Director, Natloans

As a small to medium enterprise (SME) owner, the end of the year is a great time to make strategic decisions that can help set your business up for success in 2025.

At Natloans, we specialise in providing finance solutions tailored to the needs of SMEs, and we’re here to help you grow your business.

Here are 4 smart ways to prepare your business for 2025 and take it to the next level.

1. Purchase Business Assets Before Year-End

If you’re considering purchasing a new vehicle, machinery, or any type of business equipment, now is the perfect time to do so. By acquiring business assets before the end of the year, you can be fully prepared to hit the ground running in 2025.

Plus, depending on your situation, there may be tax benefits associated with buying assets before the new year. Whether it’s a vehicle finance loan or an equipment finance loan, Natloans can help you secure the funding you need quickly and efficiently.

Let us help you invest in your business now so you’re ready to thrive in the new year.

2. Check Your Commercial Property Loan Rate

Do you have a commercial property loan? Now is a great time to review your current interest rate. Many businesses overpay on their commercial property loans, but with interest rates frequently changing, you could potentially save thousands by securing a more competitive rate.

At Natloans, we offer commercial loan reviews to ensure you’re getting the best deal. Refinancing your loan could lower your monthly payments and free up capital for other business investments. Don’t wait—contact us today to see how much you could save!

3. Get a Business Cash Flow Loan

Managing cash flow during the holiday season can be a challenge, especially for small businesses. A business cash flow loan can provide the working capital you need to cover your expenses, keep operations running smoothly, and take advantage of any opportunities that arise.

At Natloans, we specialise in working capital loans tailored to SMEs. These loans can help your business manage through seasonal fluctuations and ensure you’re prepared for a strong start to 2025.

4. Stop Paying Rent – Buy Your Own Business Premises Through Your SMSF

Are you tired of paying rent for your business premises? Now could be the perfect time to explore purchasing your own business property through your Self-Managed Super Fund (SMSF). Not only can this provide your business with a permanent home, but it can also serve as a smart long-term investment for your future.

Natloans has extensive experience helping clients purchase commercial property through their SMSF. We can guide you through the process, helping you secure the right finance to achieve your goal of owning your business premises.

Get Started with Natloans Today

At Natloans, we’re dedicated to helping SMEs succeed by providing tailored finance solutions. Whether you’re looking to purchase assets, refinance commercial property, secure a business cash flow loan, or explore buying your own business premises through your SMSF, our expert team is here to support you every step of the way.

Contact Natloans today to discuss how we can help you grow your business and get ready for a successful 2025!

When speaking of business loans, and the interest rates accompanying therewith, it must be understood first that depending on the specific type of business loan, the cost and interest rate is sure to differ. The interest rate upon a business loan is usually noticeably higher than that of a personal or car loan, and whilst this may at first seem alarming, it should be understood that the loan term of a business loan is, in tandem, much shorter in general. This means that the cost overall isn’t significantly higher, or “worse” (if you prefer) than other loan categories, relative to all factors. In this article, we shall rest out focus upon  loans pertaining to Business Cash Flow (BCF), and Line of Credit (LOC) only.

What Defines and Distinguishes BCF and LOC?

• Business Cash Flow Lending

This is a loan which takes the form of a direct cash injection into a business by a lender. This is useful for short-term projects such as funding an expansion of staff, an upgrade to marketing, or a general expansion of stock, facilities and equipment.

• Line of Credit

An ongoing agreement between yourself and your bank which grants you access to a predetermined amount of funding when desired by yourself. This is almost always secured by means of a physical capital, such as a property, the value of which determines the total sum upon which you will be able to draw.

That Said, What Can I Expect In Interest For Each ?

There is no distinct rate, as such, due to the fact that the rate at which these loans will come are largely dependant on the details and special conditions of the person who seeking to take the loan out. Even so, there is one point of note which is distinctly important; generally, these loans will have interest on a PER MONTH BASIS, rather than a per annum basis, due to the fact that the terms thereof are typically so short.

For example, one may find themselves with a Line of Credit which has an interest rate of 2% per month, for a period of 6-12 months. Such is typical of the loan category.

Respecting a Business Cash Flow loan, however, per annum basis of interest are far more typical, albeit with higher interest rates. These rates will typically vary around the mark of 8% PA to 12% PA.

For More Information…

These, of course, are generalities. If you would like to know specifically what an interest rate for yourself or your business may be, the only way to get an accurate picture is to speak with a loan consultant who can calculate all of your specifications and details and thusly present you with a full and complete picture. To get in contact with such a person, call Natloans today!