Guides
Timing guides for business owners
Now or later? Researched, plain-English guides that price both sides of the decision — and say so when waiting wins.
Hiring timingEOFY and tax calendarGrowth decisionsPlanningNow or laterDecisionsEOFYCost of waiting
Award Wage Increase 1 July: How to Budget for It
Award wage increase 1 July: price the 4.75% rise in dollars per employee, see why hiring early doesn't dodge it, and plan the cash before the first pay run.
11 November 2026
Equipment Over $20,000: Does the Tax Deduction Matter?
Equipment over $20,000 misses the instant write-off and goes into the pool. See what 30 June is really worth, in dollars, and when to buy on business need.
7 November 2026
Second Shift or Buy Another Machine? The Dollar Test
Second shift or buy another machine? Compare award overtime and shift loadings with a machine's total cost in dollars, and see when the shift wins.
4 November 2026
Build Now or Wait for Construction Costs to Drop?
Build now or wait for construction costs to drop? Price escalation against the profit you lose by waiting, and the cases where holding off is the smarter call.
31 October 2026
Quote Expires Before Finance Approved? Your 4 Options
Quote expires before finance approved? Compare a deposit, an extension or a re-quote in dollars, and see when letting the quote lapse is the smart move.
28 October 2026
Best Time to Buy a Work Ute: December, June or Now?
The best time to buy a work ute isn't always June. Price December runouts, EOFY deals and 2027 price risk, plus the tax quirk most tradies miss.
24 October 2026
Solar Rebate Drop 1 January 2027: Install Now or Wait?
The solar rebate drop on 1 January 2027 cuts business solar and battery discounts. Price the step-down against waiting, and the date that actually counts.
21 October 2026
Buy Business Premises Before the July 2027 CGT Change?
Rushing to buy business premises before the 1 July 2027 CGT change? See what the cut-off really protects, and why the deadline is weaker than it looks.
17 October 2026
Lease Option Deadline: Renew, Move or Wait?
Lease option deadline approaching? How to decide whether to renew, move or negotiate, priced in dollars, plus the fit-out timing mistake many owners make.
10 October 2026
Borrow Now or Later? Five Questions That Decide It
A five-question test for deciding whether to borrow now or later — with a scoring grid, worked examples, the RBA and ATO-debt questions, and when to wait.
2 October 2026
EOFY 2027 Countdown: A Month-by-Month Timing Plan
Your EOFY 2027 countdown from October to July: BAS dates, the permanent $20k write-off, install deadlines, Payday Super and when to arrange finance.
2 October 2026
Cost of Waiting: Four Worked Examples for Small Business
Four worked examples of the cost of waiting — a cafe, a builder, an online store and a clinic — showing when borrowing now wins, when waiting wins, and why.
1 October 2026
Business Finance Timeline: Work Back From Your Deadline
Planning a business finance timeline? Work back from your deadline — settlement, delivery, lease start or 30 June — so no step slips past the date.
1 October 2026
Opportunity Cost for Small Business, Explained Simply
What opportunity cost means for small business owners, how to put a dollar figure on it, and how it changes decisions about cash, borrowing, time and timing.
1 October 2026
Buying Just to Save Tax: Why It Rarely Adds Up
Thinking of buying equipment just to save tax before 30 June? Why a deduction saves only part of the price, when EOFY purchases do make sense, and the maths.
1 October 2026Decided now is the time? See if you qualify.
A 60-second enquiry, no credit check to ask, and one lending specialist who works on your numbers rather than passing them around. If waiting looks smarter, we will say so.
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