Post-Tax Time Planning: Keeping Momentum Through Q3

The end of financial year can feel like crossing a finish line. The stress of closing the books, lodging returns, and managing final obligations is real. But for business owners who want to grow, EOFY isn’t the end—it’s the reset. 

The third quarter (July to September) gives you a powerful opportunity to reflect, reframe, and re-strategise. You have the advantage of fresh financials, clearer business insights, and lenders actively assessing applications based on newly submitted data. Q3 can be where momentum builds, if you act on it. 

Here’s how to use this period to sharpen your financial position and fuel smarter growth. 

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Reassess, Don’t Just Move On 

You’ve just completed a full year of trading. That data is more than paperwork, it’s a blueprint for better decisions. Post-EOFY is the perfect time to evaluate where your business really stands. 

Now that your financials are up to date, revisit your revenue streams, margins, expense breakdowns, and debt levels. Were your cash flow forecasts accurate? Where did costs blow out? What worked well and what didn’t? 

It’s not about getting everything right. It’s about learning from the year behind you to make the next three to six months more intentional. When you work with a broker like Thrift Capital, these financials also become your ticket to faster, better-aligned funding options. 

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Fund While Financials Are Fresh 

One of the most overlooked advantages of post-tax time is timing. When you apply for finance in Q3, lenders have access to your most recent trading data, making them more confident in your eligibility. 

If you are applying for asset finance, such as a chattel mortgage for new equipment or vehicles, or even considering a working capital loan, your EOFY figures become a key part of the approval process. The more current and accurate your numbers are, the better your chances of approval—and the more competitive your interest rate is likely to be. 

Put simply, if you’ve had a strong year, now is the time to leverage that performance while it’s still fresh in the system. 

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Shift From Survival Finance to Strategic Finance 

Many businesses only consider finance when things are tight. But the most successful operators know how to use funding as a tool to accelerate growth, not just to plug gaps. 

Post-tax time is ideal for planning investments. That could mean upgrading to more efficient equipment, hiring the staff you held off on during the last quarter, or finally launching the marketing campaign you’ve been deferring. 

When you approach finance with a proactive mindset, it puts your business on the front foot. This is especially valuable in Q3, where you still have time to set up meaningful wins before the final push in Q4. 

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Set Q3 Goals With Finance in Mind 

Rather than thinking of Q3 as a quiet or recovery period, think of it as a momentum builder. Use this quarter to test, invest, and position your business to finish the calendar year strong. 

That means setting realistic but ambitious goals. It could be acquiring a new vehicle, hiring a new staff member, or boosting output by a percentage. The key is to align your financial planning to support those goals—not just to react to challenges as they arise. 

When you structure your finance around your plans instead of the other way around, your funding becomes a tool, not a burden. 

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Moving Forward With Confidence 

Post-tax time gives your business something incredibly valuable: perspective. It shows you where you’ve been, what you’ve built, and what’s possible in the months ahead.

Q3 is not the time to coast. It’s a chance to apply what you’ve learned and use finance to move intentionally toward your next chapter. Whether you’re aiming for operational improvements, stronger cash flow, or bold expansion, the clarity of this season is your edge.  

At Thrift Capital, we help businesses do exactly that—turn fresh financials into real opportunities through funding that fits. 

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Ready to put your Q3 strategy in motion? 

Speak with a Thrift Capital broker to explore what funding options suit your goals. 

Or check out our Pre-Approval Checklist to get started. 

Chattel Mortgage Benefits You Can Still Access Post-Tax Time

Think the EOFY deadline was your last chance to secure tax savings through finance? Not quite.

Even after June 30, chattel mortgages continue to offer significant GST and tax benefits—especially if you’re purchasing business equipment, vehicles, or machinery.

Here’s what Australian businesses need to know about making smart finance moves after tax time.

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What Is a Chattel Mortgage?

A chattel mortgage is a type of business loan where the lender provides funds for an asset (e.g. vehicle, equipment), and the business takes immediate ownership. The asset is used as security, and the mortgage is released once the loan is repaid.

It’s one of the most popular asset finance structures in Australia—particularly for small to medium businesses.

According to the Australian Bureau of Statistics (ABS):

• 85% of Australian small businesses finance capital purchases rather than buying outright.

• Vehicle and equipment finance makes up a large portion of commercial loans, especially post-COVID, with government incentives further accelerating uptake.

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Why Post-June 30 Still Matters

There’s often a rush to settle loans by June 30 to lock in deductions for the closing financial year. But even after EOFY, many benefits still apply, especially for purchases that support new-year growth plans.

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Key Tax and GST Benefits You Can Still Access

1. GST Input Credits 

If your business is GST-registered: 

• You can claim the full GST on the purchase price in your next BAS—even if the asset is financed via chattel mortgage. 

• This applies to cars, trucks, machinery, office equipment, etc. 

Example: For a $100,000 asset (ex-GST), you can claim $10,000 in GST credits in the next BAS cycle—improving cash flow significantly. 

2. Depreciation and Interest Deductions 

Even if EOFY has passed: 

• The interest portion of repayments is tax-deductible. 

• You can claim depreciation on the asset annually through your tax return. 

According to ATO guidelines, depreciation can be applied to any business-use asset with a life over one year—even if financed.  

3. Instant Asset Write-Off / Temporary Full Expensing 

While the Temporary Full Expensing scheme ended in June 2023, the government has proposed new thresholds for the Instant Asset Write-Off from 1 July 2023 to 30 June 2024: 

• Eligible businesses (turnover under $10 million) may deduct up to $20,000 per asset purchase. 

• Check ATO updates for confirmation and updates.

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Perfect for Equipment & Vehicle Upgrades 

Chattel mortgages remain ideal for financing: 

• Commercial vehicles 

• Construction machinery 

• Medical or industrial equipment 

• Tools and technology   

They’re especially effective when your business wants ownership of the asset rather than lease-style usage, with long-term deductions. 

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Global Context: Still Relevant Worldwide   

Globally, businesses in the UK, US, and Canada also benefit from similar structures, like hire purchase or secured equipment loans. However, Australia’s GST and depreciation rules make chattel mortgages uniquely beneficial—particularly for small businesses looking to improve post-COVID cash flow. 

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Why Work With a Broker Like Thrift Capital? 

Each lender may treat asset classes, repayment terms, or business types differently. At Thrift Capital: 

• We match you with lenders who understand your industry 

• We know what documentation is truly required (no unnecessary paperwork) 

• We help you secure approvals fast—often within 48 hours for qualified applications 

Next Steps: Make Your Finance Work Harder 

Even after June 30, the benefits are far from over. 

Thinking about an equipment upgrade? 

Talk to a Thrift Capital broker today to explore your options, or 

Checkout our free Pre-Approval Checklist to get started.