Written by Kodie Axelsen @cofinancecompany
In business, success isn’t just about how much you make. It’s about how well you manage what you make, and how you structure your operations to support growth without crumbling under pressure.
As someone who works with everyday Australians building wealth through property and business, I’ve seen first-hand how the right financial foundation can be the difference between sustainable growth and a slow financial burn. It’s not always the flashiest businesses that win, it’s the ones with the best structure, clearest strategy, and smartest funding.
A business with poor financial structure is like a house built on sand. It might look fine until it starts raining and the whole show begins to fall apart.
Your financial structure is everything from how your entity is set up (sole trader, trust, company) to how you handle cash flow, asset ownership, and liabilities. If you’re blending personal and business expenses, skipping BAS lodgements, or ignoring how your loans are set up, you’re not just risking tax headaches, you’re holding yourself back from real growth and a healthy business. A good business structure looks like:
- Entity setup that aligns with your income, growth plans, and risk profile
- Separation of personal and business finances
- Systems for regular reporting, forecasting, and compliance
- Loan structures that support cash flow, not hinder it
Strategy is where most businesses get stuck. Too often, finance is reactive scrambling for cash flow when it gets tight or chasing a cheap loan without thinking about long-term implications. This is where the danger lies. Smart businesses treat finance as part of the strategy, not the panic response. Do you want to grow fast and flip? Build long-term income? Expand your team or add equipment? Every goal requires a different financial strategy. Strategic finance questions to ask:
What’s the next stage of growth, and what funding will it require?
- How can I leverage existing assets to fund expansion?
- Is my current lending limiting my opportunities?
- What’s the plan if revenue dips for 3–6 months?
- The best businesses I work with think 1-3 years ahead, not just until the next BAS is due.
Finance isn’t one-size-fits-all. You don’t need “just a loan,” you need a solution that works with your structure and fuels your strategy. You need:
- A working capital facility that scales with revenue
- Asset finance to spread the cost of growth over time
- Restructured business debt to improve serviceability and free up cash
- Use of equity in personal or commercial property
A good broker doesn’t just find a lender. They tailor a plan and make sure your finance works for you, not against you. Business owners are natural risk-takers. But the ones who last are the ones who treat finance with the same seriousness as their marketing, operations, or customer service.
Structure gives you a foundation. Strategy gives you a direction. Solutions give you momentum.
If you’re serious about building a business that not only grows but lasts, start treating your finance like a priority, not an afterthought.
If you’re not sure where to start, then please give me a call!