As the end of the financial year approaches, thousands of Australian businesses are feeling the pressure—BAS payments, ATO tax debt, super contributions, and EOFY expenses all land at once. But here’s the kicker: cash flow challenges at tax time aren’t just stressful—they can cost you opportunities, clients, and even your reputation.

The hidden cost of tax-time pressure

For business owners, EOFY is a key financial checkpoint—and often a financial bottleneck. You’re not just closing the books; you’re navigating expense pile ups with obligations due across tax, payroll, super and suppliers. The weight of it all can not only impact your balance sheet, but it can also slow decision-making, delay investments, and put business-critical opportunities on ice.

According to the latest Bizcap insights survey conducted with RFI Global, a staggering 87% of SMEs say that lack of funding has directly stopped them from taking on new opportunities. That means, nearly 9 in 10 Australian businesses are stalling their growth plans—not because of a lack of ambition or effort—but because cash flow didn’t line up.

ATO payment plans can help, but they don’t solve the immediate cash crunch. Add in the potential for penalties and interest if you miss your tax deadline (see our latest update about the ATO denying deductions for ATO interest charges), and the cost of EOFY pressure multiplies—financially, operationally, and emotionally.

Beyond the bank’s blind spots

Big banks often don’t look past the surface. They see you’ve got tax debt and the conversation stops there. But for a lot of small business owners, tax arrears are simply part of doing business, and the reasons why are complex. Maybe they’ve taken on more work, invested in staff or stock, or had to juggle payments while waiting on invoices to clear.

This disconnect between the realities for SMEs and the expectations held by traditional lenders creates friction and accessibility issues. While your business might be performing well in the big picture, you can find yourself stuck in funding limbo. And that delay isn’t only inconvenient—it’s risky. Waiting weeks for a finance decision when you’ve got an ATO deadline looming, isn’t an option most businesses can afford.

How alternative funding can bridge the gap

This is where alternative lenders like Bizcap step in to bring real options to the table. We specialise in supporting small businesses that traditional lenders overlook. Taking the time to look beyond the numbers, evaluating both the qualitative and quantitative aspects of your business. So whether you’re managing tax debt or juggling multiple repayments—chances are, we might be able to help.

Our clients use Bizcap funding to:

✅ Pay off tax debt and stay compliant

✅ Keep cash flowing through the EOFY crunch

✅ Invest in deductible assets before June 30

✅ Get ready for Q1 growth and opportunity

Unlike banks, we don’t penalise ambition. We support it. Many of our customers come to us after being told “no” elsewhere, only to be approved in as little as three hours—with the funds in their account that same day.  

Brokers—now’s the time to check in with your clients

Tax time is a critical opportunity for brokers to show up and add value—not just with tax advice, but real solutions. Many SMEs don’t realise funding is even an option when they don't fall within traditional lending criteria. They assume they won’t be eligible. With Bizcap those assumptions don't hold up.  

If you have clients that are:

  • Struggling with cash flow
  • Holding off on upgrades
  • Or trying to manage ATO debt

Don’t wait for them to bring up business finance. Reach out first, and show them what’s possible.  

By partnering with Bizccap, we can help you deliver the tangible solutions they need, before deadlines hit. You’ll have access to dedicated BDMs, real-time tracking through our Partner Portal, and industry-leading commissions with no clawbacks.

Your next step

EOFY doesn’t just test your numbers—it tests your options. When the bills are due and opportunities are waiting, slow funding and harsh criteria isn’t good enough.

While traditional lenders hesitate, Bizcap leans in. We understand the realities SMEs face and respond with speed, flexibility, and funding that works on your terms.

Whether you’re a business owner navigating the now or a broker looking to partner up so you can offer timely solutions to your clients. EOFY is your moment to act—not pause.

Speak to our team today at 1300 922 223 or apply here.

‍