Equipment Financing Australia
Finance planning workspace at dusk — end-of-financial-year asset planner
The Prompt Series · free tool

EOFY asset planner — beat 30 June

If you're eyeing an end-of-financial-year purchase, timing is everything. See your indicative repayment and the steps to have the asset installed and ready before 30 June.

To claim in the current financial year, an asset generally needs to be installed and ready for use before 30 June — not just ordered. This planner shows how long you've got, an indicative repayment, and a simple timeline so you don't get caught by the deadline. Always confirm what you can claim with your accountant.

The Prompt Series · free tool

EOFY asset planner — beat 30 June

Thinking about an end-of-financial-year purchase? See your indicative repayment and the timeline to have the asset installed and ready in time.

Asset cost$80,000
Term5 years
Balloon / residual30%
Indicative rate7.50% p.a.
Until 30 June
8 days
EOFY: 30 June 2026
Indicative repayment$1,272/mo
1
Get pre-approved
Aim to be approved by 16 June 2026 — about two weeks out — so there's no last-minute rush.
2
Choose & settle the asset
Find it, we invoice the supplier and settle. New-from-dealer is quickest.
3
Installed & ready to use by 30 June
To claim in this financial year the asset generally must be installed and ready for use before 30 June — confirm with your accountant.

Estimate only. Eligibility for the instant asset write-off and depreciation, and the thresholds that apply, change over time — confirm what you're entitled to with your accountant. Not financial, tax or credit advice.

TIMING

'Ordered' isn't enough — it must be ready for use

A common EOFY trap is leaving it too late. Generally the asset must be installed and ready for use before 30 June to be claimed this financial year, so getting pre-approved early matters. Confirm the rules that apply to you with your accountant.

GET IN EARLY

Pre-approval removes the last-minute scramble

Aim to be pre-approved a couple of weeks out. With approval in hand you can move the moment you find the asset, and settlement on a straightforward deal can be quick.

WORKED EXAMPLE

Example: a $60k asset bought in late May

Say a business lines up a $60,000 asset in late May. Getting pre-approved early leaves time to settle, take delivery and have it installed and ready for use before 30 June. On a chattel mortgage at, say, 7.5% p.a. over 5 years with a 30% balloon, the repayment is roughly $1,150 a month. These are indicative estimates only, exclude fees, and aren't a quote — and you should confirm write-off eligibility with your accountant.

STRUCTURE

Own it from day one on a chattel mortgage

We arrange EOFY purchases on a chattel mortgage, so you own the asset and can generally claim GST and depreciation, with the instant asset write-off potentially applying to eligible assets. Thresholds change — confirm with your accountant.

HOW WE STRUCTURE IT

Competitive rate, structure that fits the deadline

We compare a panel of commercial lenders to find a competitive rate and set the term and balloon so the repayment suits your cash flow. Because we know the EOFY clock matters, we keep straightforward deals moving so settlement lands in time. We don't do hire purchase or finance lease — chattel mortgage only. Approval is subject to the lender's assessment.

Common questions

No. On a chattel mortgage you own the asset from settlement, so you can generally claim depreciation (and potentially the instant asset write-off on eligible assets) even though it's financed. Confirm your eligibility and the thresholds with your accountant.

Related finance

Ready to talk to a specialist?

Get a competitive rate and the right structure for your next asset — no obligation, no credit-file hit to ask.

Call +61 468 016 210