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Cotchy Online fixed-fee Accounting & Bookkeeping services with clear modern solutions.

Nobody showed you what was coming next.I remember sitting across from a business owner who ran a solid operation. Staff,...
25/10/2026

Nobody showed you what was coming next.

I remember sitting across from a business owner who ran a solid operation. Staff, regulars, a lease renewal on the table. I asked what their cash position would look like at the end of next quarter.

There was a pause.

They had thought about it plenty. The gap was that their accountant had never once asked. Every report they had ever received was a neat summary of what had already happened, delivered weeks after it mattered.

The calendar on the desk had circled dates for BAS, EOFY, and every lodgement window in between. Nobody had called ahead of a single one.

Cotchy was built around that silence. Not to file faster or charge less. We are here to turn the chair around so the view is always forward.

Many accounting practices are backward-facing. They record history long after anyone can act on it. We help clients see what is coming before it arrives, not after it has already cost them.

Every business owner we work with deserves that.

If your accountant only calls after something has already happened, it might be time to look forward. Get in touch with the Cotchy team via the link in the comments.

General information only. Not financial advice.

Nobody pours the foundations after the walls are already up.Buying property through an SMSF also requires careful consid...
23/10/2026

Nobody pours the foundations after the walls are already up.

Buying property through an SMSF also requires careful consideration of the structure before the purchase takes place.

The sole purpose test. Related party rules. Limited recourse borrowing arrangement (LRBA) rules.

Each can affect what an SMSF can and cannot do.

For business owners considering whether their SMSF could own the premises their business operates from, there are important questions to work through.

Can the fund acquire the property? Can the business lease it from the fund? What happens if borrowing is involved?

These are questions to consider before a contract is signed, not afterwards.

Our article looks at some of the key rules to understand when considering property through an SMSF.

Read the article:
https://cotchy.com.au/articles/buying-property-with-an-smsf/

General information only. This does not constitute financial product or investment advice. Consider obtaining professional advice appropriate to your circumstances before acting.

A franchise network can look healthy overall while individual locations tell a very different story.Which locations are ...
22/10/2026

A franchise network can look healthy overall while individual locations tell a very different story.

Which locations are driving margin? Which are underperforming? And what do the numbers say about opening the next one?

For franchisors and multi-site franchisees, those questions become increasingly important as the network grows.

But the answers are difficult to see when reporting isn't current or consistent across every location.

Cotchy helps franchise businesses create greater financial visibility across their network, so growth decisions can be based on what each location is actually showing.

Before you add another location, can you clearly see what's driving the ones you already have?

See how Cotchy supports franchise businesses:
https://cotchy.com.au/franchise-accounting/

The 2026–27 financial year is well underway. So the question for business owners is no longer just what was announced in...
22/10/2026

The 2026–27 financial year is well underway. So the question for business owners is no longer just what was announced in the Federal Budget, but what those changes mean for the year ahead.

The $20,000 instant asset write-off is now permanent for eligible small businesses. Negative gearing and capital gains tax reforms have been legislated. Company loss carry-back is now law, while other measures are still developing.

So, which changes actually affect your business or structure? And what should be factored into this year's planning?

We've updated our 2026–27 Federal Budget guide to break down what business owners, franchisors and franchisees need to know.

Read the full article:
https://cotchy.com.au/federal-budget-2026-27-small-business-franchise/

General information only. Tax laws and proposed measures can change, and their application depends on individual circumstances.

More locations can mean more opportunity. They can also mean more financial complexity.After spending time with the fran...
21/10/2026

More locations can mean more opportunity. They can also mean more financial complexity.

After spending time with the franchise community at NFC26 in Canberra, one thing is clear: as a network grows, having visibility across the numbers becomes increasingly important.

Different entities, locations and reporting processes can make it difficult to get one clear picture of performance across a franchise network.

That’s where the right accounting and advisory support can make a difference.

Cotchy works with franchise businesses to bring greater consistency to financial reporting, improve visibility across locations and turn financial information into something business owners can actually use to make better decisions.

If growth is making your numbers harder to see, not easier, take a look at how Cotchy supports franchise businesses:

https://cotchy.com.au/franchise-accounting/

20/10/2026

A will only deals with what you own in your own name. If your business, properties or investments sit in a trust, what matters is who controls the trustee company after you, and in the full video I show how we sort that out while you're still around to decide.

Watch the full video on YouTube 🔗 https://youtu.be/PLEY2Dj8eOo

More work doesn't always mean more cash.For a growing trade business, revenue can be climbing while cash is being pulled...
19/10/2026

More work doesn't always mean more cash.

For a growing trade business, revenue can be climbing while cash is being pulled in several directions at once.

More employees. More vehicles and equipment. Larger supplier bills. Multiple jobs in progress. GST and tax obligations. And potentially a growing gap between completing the work and getting paid.

That's when simply knowing what's in the bank account stops being enough.

The more useful questions become: Which jobs are actually driving margin? What does the pipeline mean for cash flow over the next few months? Can the business comfortably take on another crew? And is growth actually improving profitability?

Those are the numbers a growing trade business should be able to see before the next big decision is made.

See how Cotchy works with established and growing trade businesses:
https://cotchy.com.au/industry/tradies/

A sale recorded twice lifts revenue. An expense that never arrives lifts margin.Neither necessarily looks like a problem...
19/10/2026

A sale recorded twice lifts revenue. An expense that never arrives lifts margin.

Neither necessarily looks like a problem when you're looking at the report. But both can feed straight into the next growth decision.

Broken integrations can quietly distort the numbers you're relying on.

A few questions worth asking:

Could you match last month's revenue back to the source data?

Could you explain exactly what drove your last margin improvement?

When two systems show different figures, does anyone know which one is right?

Would you make a significant hiring, pricing or expansion decision using only this month's report?

That's where the real risk sits.

When sales, stock, payroll, banking and accounting systems aren't talking to each other properly, decisions can be made using numbers that were never accurate in the first place.

We look at how these gaps form between business systems, the warning signs to watch for and how regular checks can help keep your financial reporting reliable.

Read the full article:
https://cotchy.com.au/broken-software-integrations-financial-reporting/

19/10/2026

If you make the new trust election, the split you lock in is permanent. Pay a different split later and the whole trust is taxed at 47%, not just the part you got wrong.

Before you elect, answer 4 questions: who gets the capital gain when you sell, whether that company gets the CGT discount, what happens if your income or family changes, and how the sale money gets back to you.

The full video walks through each one.

Watch the full video on YouTube 🔗 https://youtu.be/HSw5W82w9a8

As a business grows, the financial oversight around it needs to grow too.For Stokes Safety, that meant having greater vi...
18/10/2026

As a business grows, the financial oversight around it needs to grow too.

For Stokes Safety, that meant having greater visibility over their financials, stronger monitoring and an accounting team that responds when they need them.

Frank Saris, Board Member at Stokes Safety, describes what stands out about working with Cotchy:

“Exactly that — service. Prompt responses when needed, and accurate monitoring of our financials.”

Today, the focus goes beyond recording what has already happened. It includes monitoring financial performance, looking at cash flow alongside the pipeline of work, and helping the business understand what the numbers are showing.

For a growing business, that visibility matters.

Your accounting should help you understand where the business stands today and give you better information for the decisions ahead.

Read the Stokes Safety client story:
https://cotchy.com.au/client-stories/stokes-safety/

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