Borrow now or wait? Business timing decisions
Hiring, expanding, buying gear, taking the big contract — how to tell whether acting now beats waiting, and when waiting genuinely wins.
All now or later guides →Business finance, timed right
Borrow now or later?
Waiting feels free. It rarely is. Loans Now helps Australian business owners put a dollar figure on delay — and arranges finance from $20k – $5m when the numbers say now.
- No credit check to enquire
- No spray and pray
- A real person calls
01
Enquiring won't touch your credit file
Asking whether now is the right time costs you nothing on your credit report. A credit check only comes up if you decide to go ahead.
02
No spray and pray
We don't auction your enquiry to a crowd of lenders. One team looks at your numbers and matches you to a lender that suits the job.
03
A real person does the thinking
A lending specialist reads your answers and calls you. Accurate answers on the form mean the first option we put in front of you is the right one.
The Loans Now method
Two costs. One decision.
Borrowing has a price you can see: fees and interest, in dollars. Waiting has a price you can't: profit you never earn, quotes that rise, repairs on tired gear, the contract someone else wins. Write both down in dollars and most timing decisions make themselves.
That's the whole approach. We'll help you run the numbers, and if waiting comes out cheaper, we'll tell you. If borrowing now wins, we'll find a lender that suits the job — without sending your details around the market.
Cost of finance
Visible
- Establishment and ongoing fees
- Interest over the term
- Total, in dollars, from your quote
Cost of waiting
Invisible
- Profit you don't earn
- Making do: repairs, hire, overtime
- Price rises while you wait
- Discounts and contracts that disappear
Find your timing question
Four ways to think about now versus later
Every guide ends with a clear answer and an honest note on when waiting is the better call.
EOFY and tax timing for business purchases
The $20,000 instant asset write-off, the installed-ready-for-use test, GST credits and ATO debt — the tax-calendar rules that change when to buy.
All eofy timing guides →Seasonal timing for business finance
Busy seasons, quiet months, 1 July cost rises, weather windows and supplier lead times — when to line up funds so the calendar works for you.
All seasons guides →The cost of waiting: what delay really costs
Price rises, lost discounts, turned-away work, tired equipment and late fees — how to put a dollar figure on delay before you decide.
All cost of waiting guides → 273 days to 30 June 2027
EOFY isn't a week in June
The $20,000 instant asset write-off is now permanent from 1 July 2026, so there's no threshold to race. What still matters is the date an asset is first used or installed ready for use — and whether stock, installers and approvals line up in time.
Honest signals
When now wins, and when later does
A site called Loans Now that sometimes says "wait"? That's the point. Timing is a question, not a sales pitch.
Now usually makes sense when…
- The cost of waiting is clearly bigger than the total cost of finance
- You're turning away profitable work every month
- Old equipment is costing more in breakdowns than a replacement would
- A confirmed price rise, discount deadline or site won't wait
- Repayments come from the cash the decision creates
Later is often smarter when…
- The payoff is a hope rather than a signed order or proven demand
- Repayments would compete with wages, super or your BAS
- A contract, lease or decision is only weeks away
- You're buying mainly for a tax deduction
- A quarter of clean-up would widen your options
How it works
From "should we?" to a clear answer
- 1
Tell us what you're weighing up
About 60 seconds: the amount, what it's for and your timing. No credit check to enquire. Accurate answers let us match you properly first time.
- 2
A real person runs the numbers with you
A lending specialist calls, looks at the cost of waiting against the cost of finance, and tells you straight whether now or later looks better.
- 3
If now wins, we match the right lender
Secured or unsecured, short or longer term — structured around your timeline. Your details aren't sprayed across the market.
Guides
Timing guides for business owners
Decisions
Borrow Now or Later? Five Questions That Decide It
A five-question test for business owners deciding whether to borrow now or later — with a scoring grid, two worked examples and the red flags that say wait.
Read the guide → EOFYEOFY 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.
Read the guide → Cost of waitingCost 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.
Read the guide →Questions owners ask before they decide
What does Loans Now do?
We help Australian business owners decide whether borrowing now beats waiting, then arrange business finance when the numbers say go. Property-secured business loans run from $20,000 to $5,000,000, and unsecured or cash-flow options for trading businesses typically from $5,000 to $500,000. Business purposes only.
Does enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check is only discussed if you decide to go ahead with an application.
Will you tell me if I should wait?
Yes. If your numbers suggest a few months of preparation would put you in a stronger position, or that the cost of waiting is lower than the cost of finance, we'll say so plainly.
Will my details be sent to lots of lenders?
No. We don't spray enquiries around the market. One team looks at your situation and matches it to a lender that suits the job, and a real person calls you.
Do you publish interest rates?
No. Every business loan is priced on the individual situation — security, purpose, term, trading and credit history. We talk in the total dollar cost for your actual circumstances, which is also the fair figure to compare with the cost of waiting.
Is the $20,000 instant asset write-off still available?
Yes. The ATO says the $20,000 threshold is now law and permanent from 1 July 2026 for small businesses with aggregated turnover under $10 million. Assets must be first used or installed ready for use in the income year you claim them.
Can you help if I have ATO debt or past credit issues?
Often, yes. ATO debt and past credit issues are considered case by case. Tell us about them accurately on the form so we can look at realistic options from the start.
More answers on our FAQ page, or ask us about your situation.
Decided 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.
Enquiring won't touch your credit file
No spray and pray
A real person does the thinking