Why year-end planning matters
As 2025 winds down, many businesses are focused on holiday demand, reduced trading days, and tying up loose ends before the new year. But this period also presents a unique opportunity: the chance to review your equipment needs, refresh your finance strategy, and start 2026 in a stronger position.
Key strategies to consider before December closes
- Leverage final-quarter tax benefits
If you’re looking to reduce your taxable income, settling equipment purchases before year-end may help. Depending on your accountant’s advice bringing forward an investment could allow you to access deductions earlier. This means your new assets can begin generating revenue while also supporting your tax position.
Example: Purchase and finance a vehicle in December may allow your business to claim deductions sooner rather than waiting until mid-2026.
- Address seasonal cash flow
For many industries, January and February can be quieter months. Choosing finance structures with seasonal or deferred repayments can help you manage this slowdown. This ensures your new equipment is in place when demand picks up again, without putting extra pressure on your cash flow during the holiday lull.
- Get pre-approvals in place
The end of the year is also when lender processing times can blow out. Many teams operate with skeleton staff across December and January. Securing pre-approval now puts you ahead of the queue, so when you’re ready to proceed, you don’t lose valuable time waiting for credit to catch up.
Pro tip: A pre-approval also gives you more negotiating power with suppliers, as you can commit with confidence knowing funding is already secured.
- Plan for supplier lead times
It’s not just lenders who slow down — equipment dealers, insurers, and logistics providers also close or run reduced operations over the holidays. Confirming stock availability, delivery schedules, and installation timelines now helps avoid surprises later. If your asset is time-sensitive (e.g., needed for a new contract in early 2026), proactive planning is essential.
How PMG Finance supports year-end deals
At PMG Finance, we understand that year-end can be both busy and uncertain. That’s why we support clients with:
- Multi-lender access: Compare a wide range of approvals quickly, even when turnaround times are tighter than usual.
- Structuring advice: Build repayment schedules that align with seasonal trading patterns and industry cash cycles.
- Supplier coordination: We help manage timing between lenders, insurers, and equipment suppliers so your settlement isn’t delayed.
- Proactive planning: Whether it’s a December upgrade or a January purchase, we’ll guide you through options that keep your business ready.
Smart year-end planning doesn’t just help you close out 2025 — it positions your business for growth in 2026. By taking advantage of available tax benefits, smoothing out cash flow, and locking in finance before the Christmas rush, you’ll ensure your equipment is ready to generate income from day one of the new year.
PMG Finance tip: Don’t leave pre-approvals until mid-December — lender turnaround times can extend by several weeks. Securing your finance now ensures your new asset can be delivered, insured, and earning income before the new year.
✅ Making smart decisions now means you’ll head into 2026 with confidence, the right equipment in place, and your finance strategy working for you.
📞 Talk to PMG Finance if you have any concerns or want to discuss your situation.
Reach out to us today on 07 4639 1011 or send us a message online.
DISCLAIMER: The above content is to provide general information and does not constitute financial, legal or other advice. This means that duties and requirements imposed on people who give financial advice do not apply to this content. For advice contact your accountant or legal advisor.