Year-End Financial Moves That Set Up Small Businesses for Success

As the calendar winds down on 2025, business leaders face a critical junction. The decisions you make in these final weeks won't just close out your year—they'll set the trajectory for everything you accomplish in 2026.

For companies that have moved beyond startup mode but haven't yet reached enterprise scale, year-end isn't simply about tax deadlines and holiday schedules. It's a strategic inflection point where financial clarity meets operational opportunity.

Why Year-End Planning Matters More Than Ever

When market conditions shift, opportunities emerge, or challenges arise, the businesses positioned to act decisively are those who've laid the groundwork during quieter periods.

"Year-end planning isn't just about tax strategy—it's about creating optionality for the year ahead," says John Paradisi, President and COO of Libertas Funding. "The businesses that prepare are the ones ready to answer when opportunity knocks; they're not scrambling."

Year-end offers that rare window to step back from daily operations and gain perspective. It's when patterns emerge from the data, trends become visible, and the path forward comes into focus.

Strategic Year-End Planning: A Four-Week Roadmap

Successful businesses use year-end to assess cash flow patterns, make strategic pre-year-end decisions, build realistic 2026 budgets, forecast working capital needs, and get "funding-ready" for opportunities ahead.

Our guide breaks this down into a practical four-week action plan covering assessment, projection, strategy, and preparation.

Get the Guide

Our full Year-End Financial Planning Guide includes detailed strategies, expert insights from John Paradisi, step-by-step action plans, and research-backed guidance to position your business for success in 2026.

Download the guide below.

About Libertas Funding

Libertas Funding, LLC is a specialty finance company providing working capital solutions to small and medium-sized businesses across the United States. *Term Loans are issued by WebBank and serviced by Libertas pursuant to our partnership with the Bank.

Disclaimer: Libertas Funding does not provide tax or accounting advice. The information in this article is for educational purposes only. Please consult with qualified tax and accounting professionals regarding your specific situation and any tax-related decisions.