3 Finance Hacks to Maximise Q3

Q3 isn’t the time to slow down—it’s the time to optimise. 
Whether you're recovering from EOFY or planning for a strong finish to the year, a few smart financial moves can help you boost cash flow, build momentum, and gain more control over your growth strategy. 

Here are three actionable finance hacks to help your business make the most of Q3. 

Review Payment Terms: Shorten Receivables, Extend Payables 

Cash flow isn’t just about how much you earn—it’s also about when you get paid and when you pay others. 

Shorten your receivables: 
If your customers are paying you in 30 or 60 days, you’re carrying the cost. Consider: 

• Offering a small discount for early payment (e.g. 2% for payment within 7 days) 

• Automating invoicing and reminders 

• Setting firmer terms upfront for new customers 

Extend your payables: 
Work with suppliers who offer longer terms or more flexible repayment schedules—especially for large orders or inventory. 

These shifts can unlock thousands in working capital, without any external funding required. 

Leverage a Chattel Mortgage to Free Up Cash 

Need a new vehicle, tools, or equipment? Don’t pay upfront. 

A chattel mortgage allows you to: 

• Own the asset from day one 

• Spread the cost over time with structured repayments 

• Claim the GST upfront (if you’re registered) 

• Access tax deductions for interest and depreciation 

This is especially powerful in Q3 when: 

• You’ve got fresh financials on hand 

• You need to keep cash available for marketing, hiring, or restocking 

• You want to secure the asset now but pay as you grow 

Many lenders approve chattel mortgages within 24–48 hours—especially when arranged through a broker. 

Refinance Old Debt to Reduce Repayments 

If you're still managing loans from earlier years—or holding onto high-interest equipment finance—you might be paying more than you need to. 

Refinancing can: 

• Reduce your monthly repayments 

• Consolidate multiple debts into one 

• Improve your credit score through better repayment history 

• Free up cash for new projects 

Whether it’s an old business loan, vehicle finance, or an expensive overdraft, we can help assess if there’s a better deal on the table. 

Bonus Tip: Don’t Let Q3 Drift 

It’s easy to think of Q3 as the “quiet middle” of the financial year. But smart operators know it’s the perfect time to course-correct before Q4 gets busy. 

If you want to improve your business’s financial position, boost growth, or prepare for a new opportunity—now’s the time to act. 

Let’s Make It Happen 

At Thrift Capital, we help businesses improve their financial position with smart, fast solutions: 

• Finance for assets and equipment 

• Debt refinancing 

• Guidance for new ABNs or early-stage businesses 

Check-out our Pre-Approval Checklist or 
Speak with a broker to explore your Q3 finance options.