The end of financial year (EOFY) is often when profitable businesses suddenly feel cash-poor.

Tax obligations, payroll, supplier costs and delayed customer payments can all hit within a short window.

For brokers, it’s one of the biggest opportunities of the year to step in early, identify funding gaps before they escalate, and strengthen long-term client relationships.

What brokers should look for before EOFY

Many SMEs head into EOFY managing:

  • Tax, Business Activity Statements (BAS) and superannuation obligations
  • Delayed customer payments
  • Supplier and inventory costs
  • EOFY asset purchases
  • Hiring or expansion plans for the new financial year.

In many cases, the warning signs appear before a client actively asks for funding.

Rising Australian Taxation Office (ATO) debt, delayed BAS lodgements, stretched supplier terms and payroll pressure can all signal tightening working capital.

Key EOFY dates brokers should discuss with clients

EOFY deadlines can compress cash flow quickly, particularly for businesses already managing seasonal fluctuations or delayed receivables.

Important dates include:

  • June 30: EOFY cut-off for eligible deductions and asset purchases
  • July 14: Single Touch Payroll finalisation deadline (for regular employees)
  • July 28: Q4 superannuation payment deadline.

Prepare clients for Payday Superannuation

Upcoming Payday Superannuation reforms could create additional working capital pressure for SMEs.

From July 1, 2026, employers will generally be required to pay superannuation at the same time as wages instead of quarterly. Super contributions must also generally reach an employee’s nominated super fund within seven business days of payday.

For businesses with weekly payroll, that could increase super payment events from four per year to up to 52.

Based on recent research, the average SME may need more than $124,000 in additional working capital to manage the transition.

Questions worth discussing with clients include:

  • Can the business comfortably absorb more frequent super payments?
  • Are delayed customer payments already creating payroll pressure?
  • Does the business have enough cash reserves for quieter trading periods?
  • Would more flexible access to working capital help reduce pressure on day-to-day operations?

Making the most of the instant asset write-off

The 2026-27 Federal Budget announced several measures aimed at supporting SME investment, including a proposal to make the $20,000 instant asset write-off permanent for eligible businesses with turnover under $10 million.

The threshold applies per eligible asset. That means businesses may be able to claim multiple purchases if each asset costs less than $20,000 and is installed or ready for use before June 30.

Common EOFY purchases include:

  • Vehicles for growing teams or delivery capacity
  • Equipment and machinery upgrades
  • Technology to improve operations
  • Trade tools and specialised business assets.

For many businesses, EOFY is not just about managing obligations – it’s also a chance to invest in growth before the new financial year begins.

Brokers can play an important role by helping clients move quickly on opportunities without creating unnecessary pressure on cash flow.

The best brokers act before clients ask

Many business owners only explore funding once cash flow pressure is already affecting operations. By then, options can narrow quickly.

Mendy Ash, Bizcap’s Senior Business Development Manager highlights that:

The time to secure funding is now, not when your clients think they need it

Proactive brokers can add value by:

  • Mapping upcoming EOFY obligations and large expenses
  • Identifying short-term cash flow gaps
  • Reviewing whether current funding still fits the business
  • Exploring funding before pressure escalates

A Line of Credit may help clients manage payroll, supplier costs and EOFY investment opportunities without locking them into a one-off funding structure.

Why proactive EOFY conversations matter

EOFY is rarely just a tax-time conversation.

For many SMEs, it influences hiring decisions, supplier commitments, stock purchasing and growth plans for the new financial year.

Brokers who identify pressure early on are often better positioned to build stronger, longer-term client relationships built on trust, responsiveness and practical support.

If your clients are navigating EOFY, partner with Bizcap so we can help you workshop funding solutions early, before pressure escalates.

Disclaimer: This article is general information only and does not constitute tax, financial or legal advice. Businesses should seek professional advice tailored to their circumstances before making any financial or investment decisions.