Cruz and Co

We know tax. Let us look after yours.

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You are here: Home / Blog

Five things all young entrepreneurs need to know before launching a startup

04/04/2016

By: Tarik Voirin and Tim Martino

Innovation and entrepreneurship are on the agenda in Australia and the prospects for talented young innovators to take their ideas and products to market…

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5 start-up branding mistakes to avoid

02/04/2016

By: Lachlan Heussler

“The biggest mistakes that tech startups make is trying to reinvent the wheel.”  (Andrew Bosworth, Global Director of Engineering, Facebook)

Ever spent time building a product or tool…

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A MAGIC FORMULA THAT TURNS BAD DEBT INTO GOOD

01/04/2016

By: Pembertown

We are all taught that we should aim to reduce our debt levels and some of us are better at it than others. There are however a number…

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5 ways to access working capital when you’re in a cash flow hole

31/03/2016

By: Lachlan Heussler

Working capital is the money that’s available for your business’s use on a day to day basis. Here are five ways to access more of it when unexpected…

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Different distribution options for your start-up

30/03/2016

By: Philip Piletic

Product distribution resides at the heart of getting your products into the hands of consumers. Any startup business, no matter where they operate from, must overcome the basic…

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Is Accounting Hurting Your Brain? Try These 10 Finance Tools For Small Business

24/03/2016

By: Cathy Anderson

Some people in the world are numbers people. They love figures and maths and spreadsheets. Then there’s the rest of us.

Many small business owners, who usually start…

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Business should be a partnership, not a competition

23/03/2016

By: Max Newnham

There are many components to running a successful business. In addition to focusing on excellent customer service, treating business more as a partnership rather than a competition is…

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Find Lost Super – Do you have lost superannuation waiting to be found?

22/03/2016

Thousands of Australians have more than one superannuation account (super fund) – meaning more fees and less interest. Knowing how to find lost super accounts and then consolidate multiple accounts…

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Risk management 101 for startups: How your business can avoid “catastrophic” dangers

19/03/2016

By Daniel Wirjoprawiro

The best startup founders have a deep understanding of the risks facing their business – they maximise their chances of success by mitigating or eliminating bad risks…

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Five reasons you should consider bootstrapping your startup

18/03/2016

By: Sebastian Pedavoli

So you have a big idea. You’ve got your team. You’ve proven your idea has legs. Now you just need the money to really kick start your company.

…

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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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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
  • 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