Cruz and Co

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You are here: Home / Blog

All of the World’s Best Small Business Advice – in One Handy Location

07/11/2016

By: Amanda Westphal

Over the years I’ve received a LOT of great business advice. And, after compiling it all into this one post for your reading pleasure, I realised all that…

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Borrow for Business, Pay Cash for Private

05/11/2016

By: Max Newnham

Success in business is all about finding a hundred 1 per cent savings and improvements, rather than looking for the one solution that delivers a Tattslotto-like 100 per…

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Late Payments Impacting 3 in 4 Small Businesses

04/11/2016

By: James Harkness 

New research by MYOB highlighting the financial and emotional toll late customer payments are having on SME owners has prompted the cloud accounting provider to renew calls…

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Steps SMEs Should Take to Secure Export Success

03/11/2016

By: Andrew Watson

Small businesses often have specific financing needs and may require funding support to compete in international markets or to fulfil export-related supply chain contracts.

For businesses trying…

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How to Get an Australian Business Number (Abn)

02/11/2016

By: Steve Burnham

It’s not mandatory for a business to have an Australian business number (ABN), but there are a few good reasons why you should. Foremost among them will be…

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Working Capital: the Hidden Risk That Your Small to Medium Business Must Prioritise

01/11/2016

By: Matt Goss

Visibility into working capital is essential to manage cash flow and ensure a business can remain sustainable, yet research shows that companies frequently miss quarterly working capital…

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New Fleet “safe Harbour” Approach for Car Fringe Benefits

31/10/2016

By: Steve Burnham

The ATO has announced that, after consultation and collaboration with business taxpayers and industry representatives, it has developed what it calls a “safe harbour” mechanism for calculating car…

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Modernising the Ato’s Existing Public Rulings

29/10/2016

By: Steve Burnham

The ATO has produced a large number of public rulings over many years. Although most are current, many have not been updated in a very long time.

To…

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7 Money-saving Hacks Even My Accountant Was Impressed With

28/10/2016

By: Fred Schebesta

The financial side of running a business is one many soloists put their heads in the sand about. Here are seven ways you can be more savvy…

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Saying ‘no’ Can Help Your Business Thrive

26/10/2016

By: Lauren Fried

Saying ‘no’ doesn’t come naturally to many, particularly when you have your own business. It’s often tempting to say ‘yes’ to every opportunity that comes your way,…

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Testimonials

  • Jae Kwon Yoo

    Business Tax – Electrical Contractors

    Ritchie is awesome. He is very professional and responsive and he is always there to help you. He even replies during weekend. He needs some…

    Read full testimonial
  • Dr Krish Perananthan

    Cosmetic and Implant Dentistry

    Ritchie was recommended to me by my father and I have also continued to recommend him to my friends. He is reliable, efficient and has a…

    Read full testimonial
  • Daniel Robey

    I have and continue to recommend Cruz and Co to many businesses and individuals who are looking for a business advisor and accountant that goes over and above…

    Read full testimonial
  • Jonathan Yeoman

    Director, Technical Design Company

    This is a new business startup and Cruz&Co. have provided great help, guidance and reassurance from the beginning.

    Ritchie has provided us with excellent service and…

    Read full testimonial
  • Napoleon Guines

    Director, Travel Company Operations

    Ritchie Cruz and Co are accommodating and have excellent service.

    Cruz & Co have impressed me the most is due to their efficient service.  They are…

    Read full testimonial
  • Kellie Pincham

    Director
    Automotive Parts Retailing business

    Cruz & Co offer a great professional and friendly service. Ritchie gave me confidence running the business knowing that he was readily available for…

    Read full testimonial
  • Jonathan Fambart

    Business Tax – Travel Industry

    Cruz & Co was introduced to me this year and it was the best decision for my sole trader and personal taxation affairs. Ritchie the…

    Read full testimonial
  • Regina Wang

    Business Tax – Beauty Salon 

    Ritchie has been managing my tax matters as a sole trader for 2 years+. Always very responsive to my questions and make effort to reply…

    Read full testimonial
  • Zac Fryer

    Director, Import and Distribution Company

    Ritchie Cruz provides and high level of accounting expertise and goes above and beyond in answering any queries we have.

    Read full testimonial
  • Vanita Aloda

    Restaurant Owner

    Ritchie Cruz is my Accountant. We have a solid 10 year relationship.

    Ritchie as always provide me with honest and efficient service.

    Is a great communicator, always replies efficiently to…

    Read full testimonial

© 2025 Cruz & Co.

  • Home
  • About
    • Meet the Team
    • Our Clients
    • Testimonials
  • Services
    • Tax Consultant and Compliance Services
    • Small Business and Sole Trader Accountant
    • Outsourced Accounting Solutions
    • Business Structure
    • Outsourced CFO
    • Working Visa Refunds
  • Resources
    • Tax Refund Process
    • Client Assistant Schedule forms
    • Downloadables
    • Helpful Links
    • Rental Property Cashflow calculator
    • SMSF Tax Refund Process
  • Contact Us
  • Blog