Cotchy

25/05/2026

From one cafe to multiple venues and entities across NSW and Canberra. That is some serious growth. 🍽️

Edmond Yuen co-founded Killara Hospitality Services after relocating from Hong Kong. Building a hospitality group from scratch while navigating a new country, a new industry and a completely different accounting landscape is no small feat.

What he found in Cotchy was a team that could grow with him every step of the way. His story is a great one. Read it via the link below. 👇
https://ap1.hubs.ly/y0Sc3d0

Cotchy works with hospitality businesses across Australia to simplify bookkeeping, manage compliance and provide proactive accounting support.

22/05/2026

😬 Your software integrations are running. But are they running correctly?

Most business owners assume that because a system is automated, it is also accurate. That assumption can be an expensive one.

Silent integration failures are one of the most overlooked financial risks in growing businesses. They do not trigger an alarm. They just quietly distort your numbers until someone starts asking the wrong questions at the wrong time.

Our recent article explains what to watch for and what to do about it before it becomes a problem.

Read the full article via the link below. 👇
https://ap1.hubs.ly/y0SbMk0

General information only. Not financial or accounting advice.

Accounting software integration issues create hidden financial risks for growing businesses. Learn how silent system failures distort reporting and what to do about it.

20/05/2026

😬 Your business is profitable. So why did the bank say no?

It happens more often than you think. And the reasons are rarely what business owners expect.

Australian lenders dig into a lot more than your bottom line before they approve finance. Miss any of it and your application could be delayed, declined or leave you scrambling to explain things you were not prepared for.

Our recent article covers what banks are actually looking for and what you can do about it now, before you need the money.

Read the full article via the link below. 👇
https://ap1.hubs.ly/y0SbF60

General information only. Not financial or lending advice.

Business loan financial requirements go far beyond profitability. Learn what Australian lenders actually assess before approving business finance, from cash flow to BAS compliance.

18/05/2026

🤔 Thinking about switching accountants?

Most business owners focus on price first, but the real questions usually come down to communication, responsiveness, visibility and whether you’re actually getting proactive advice.

Our recent article covers some of the most important questions to ask before making the switch, including:

• how quickly they respond
• whether bookkeeping and accounting are aligned
• what reporting you’ll actually receive
• how proactive they are with tax planning
• whether they understand your industry

Changing accountants can be a major opportunity to improve clarity and confidence around your business finances.

Read the full article:
https://ap1.hubs.ly/y0R88l0

Questions to ask before switching accountants: we cover 5 essential tips to help Australian business owners make an informed decision before making the move.

14/05/2026

🚨 Most business problems don’t appear overnight. The warning signs are usually there long before things become serious.

The challenge is that many business owners are too busy running the business to notice them early.

Our latest article covers some of the most common financial red flags we see, including:
• declining cash flow
• increasing ATO debt
• falling profit margins
• inconsistent reporting
• relying too heavily on one customer
• not understanding the numbers behind the business

The earlier issues are identified, the easier they usually are to fix.

Read the full article:
https://ap1.hubs.ly/y0R8sz0

Learn the key financial red flags business owners should never ignore and how early warning signs in cash flow, reporting and tax can affect business stability.

13/05/2026

💰 Your business can look profitable on paper and still run out of cash.

This is one of the biggest financial misunderstandings we see with small business owners.

Profit and cash flow are not the same thing, and understanding the difference is critical if you want to make confident business decisions.

Our recent article explains:
• why profit doesn’t always equal cash in the bank
• common cash flow traps
• why growing businesses often feel cash pressure
• practical ways to improve visibility over your numbers

Read the full article:
https://ap1.hubs.ly/y0R8qR0

Understanding profit vs cash flow in business explains why profitable businesses can still run out of cash and how to improve financial visibility.

13/05/2026

💰 Big budget. Lots to unpack. Here is what it means for your business.

The 2026-27 Federal Budget landed on 12 May 2026 and whether you are a small business owner, a franchisee or a franchisor, the changes are significant.

The good news:
✅ $20,000 instant asset write-off is now permanent
✅ Income tax rate dropping to 15% from 1 July 2026
✅ $1,000 instant work deduction for your team

The changes to watch:
⚠️ Negative gearing restricted for established properties from 1 July 2027
⚠️ CGT discount being replaced — affects anyone selling assets after 1 July 2027
⚠️ Family trusts face a 30% minimum tax from 1 July 2028
⚠️ Electric car FBT exemption being wound back from April 2027.

We have put together a full plain English breakdown of every measure that matters for your business or franchise network.

👉 Read the full article via the link below.
https://ap1.hubs.ly/y0RzBl0

General information only. Not financial advice. All measures subject to legislation.

Federal Budget 2026-27 explained for small business owners, franchisors and franchisees. Cotchy breaks down the key tax changes in plain English.

11/05/2026

💡 Good tax planning isn’t about last-minute scrambling in June. It’s about making smarter business decisions throughout the year.

Many business owners are paying more tax than they need to simply because they don’t have a proactive strategy in place.

Our latest article covers:
• practical tax planning strategies
• business structure considerations
• super and asset purchase timing
• cash flow planning before year-end
• common mistakes small businesses make

The earlier you plan, the more options you usually have available.

Read the full article:
https://ap1.hubs.ly/y0R8860

Tax planning strategies for $1M+ businesses in Australia can improve cash flow, reduce liabilities, and support better financial decision-making.

07/05/2026

Is your family trust ATO-ready? With Section 100A under the microscope, 'paper-only' distributions are a major risk for business owners. Cotchy’s accounting and bookkeeping team works as one to ensure your distributions are documented correctly and comply with the latest rules.

Read our latest guide on managing your trust distribution tax with total confidence.

Understand how Section 100A impacts your trust distribution tax. Get proactive advice from Cotchy’s accounting and bookkeeping team.

05/05/2026

Are you accidentally using your company as a personal bank? Many Australian business owners trigger Division 7A tax traps without even knowing it. Taking money out of your business for personal use can lead to unexpected tax bills if not managed correctly.

Cotchy’s accounting and bookkeeping team works together to identify these loans early. We help you stay compliant so you can focus on growing your business.

Read our latest guide to learn how to manage your private company loans.

Learn how Division 7A affects your private company loans. Avoid tax traps with proactive advice from Cotchy’s accounting and bookkeeping team.