Accountant for Commercial Finance Brokers Melbourne — Tax Planning for Your Business and Your Clients

Commercial finance brokers sit at the centre of some of the most significant financial decisions a business owner makes. You arrange the capital that funds growth, acquisitions, and asset purchases. But are you getting the same quality of financial advice for your own business that you help your clients access?

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★★★★★ 83 5-Star Google Reviews | Led by Mina Baselyous, CPA + Chartered Tax Advisor | Registered Tax Agent

The Tax Challenges Specific to Commercial Finance Brokers

Commission-based income is irregular — Settlements don’t land evenly across the year. Tax planning needs to account for peaks and troughs, not assume a steady income stream.
Trail book value is a significant asset — Your trail commission book is a business asset. How it’s held, how it’s valued, and how it’s eventually transferred or sold has major tax implications.
Operating structure is often too simple — Many brokers operate as sole traders or through a basic company structure that hasn’t been reviewed as their income grew. The wrong structure costs money every year.
Business expenses aren’t fully captured — Software, referral fees, vehicle costs, professional development, and home office costs are often underclaimed.
High income at peak settlement periods — A good year can push you into the top marginal bracket without any planning in place to manage it.

What We Do for Commercial Finance Brokers

Business Structure Review

We assess whether your current operating structure is costing you money — and recommend the right combination of trust, company, or sole trader that fits your income level, asset protection needs, and growth plans.

Trail Book Tax Strategy

Your trail commission book is a business asset with real value. We advise on the most tax-effective way to hold it, grow it, and eventually sell or transfer it — so you’re not hit with an avoidable tax bill at the worst possible time.

Income Smoothing and Planning

Commission income doesn’t arrive in neat monthly amounts. We plan around your settlement cycle — timing deductions, contributions, and distributions to smooth your taxable income across the year.

Deduction Maximisation

Referral costs, CRM and software subscriptions, professional development, vehicle, and home office — we ensure every legitimate deduction is captured and correctly treated.

Family Trust and Bucket Company

Where appropriate, we use family trust structures to split income and reduce the overall tax rate — and bucket companies to retain profits at 25% for future investment. That 25% rate applies where the company is a base rate entity, which a bucket company fed by a trading business normally is.

Superannuation Planning

Maximising your concessional contributions and timing them correctly within your cash flow is one of the highest-leverage moves available to self-employed brokers. We make sure it’s done right.

For Your Business Owner Clients — The Accountant Who Makes Your Deals Work Harder

You arrange the finance. We ensure the structure behind it is tax-efficient, the entity is right, and the business owner isn’t handing back what they just borrowed in unnecessary tax.

Your business owner clients trust you with major capital decisions. When they’re taking on debt to grow, buy an asset, or acquire a business — the tax and structure side needs to be right. An accountant who doesn’t understand business structures can cost your client far more than the finance arrangement saves them.

When you refer a client to us, they get:

Structure advice that makes their financials lender-ready
Tax planning that keeps their cash flow strong for repayments
An accountant who communicates clearly and responds promptly
Year-round advisory — not just an annual return

And when our clients need commercial finance — for equipment, property, working capital, or acquisitions — we refer to the brokers we trust.

What Our Clients Say

“As a mortgage broker, Mina referred a client to me for refinancing, resulting in substantial annual savings for the client. The collaborative approach demonstrates his commitment to holistic client outcomes.” — Manjula Ezra, Mortgage Broker

“Mina has changed not only my business structure, but my own mindset towards how I can run it more efficiently and effectively.” — Bonnie Louise, Director, Infinity Care Group Australia

“Their proactive approach to tax and business advice has been a real game changer.” — Sebastian Bensch

Frequently Asked Questions

Can you help my clients get their financials in order before applying for finance?
Yes — and this is one of the highest-value things we do. Clean, up-to-date financials with the right structure make finance applications smoother and more successful.

What types of business owner clients do you work with?
SME business owners turning over $500K or more — across industries. If they’re growing, taking on debt to expand, and need their tax and structure sorted, we’re the right fit.

How does the referral process work?
A warm email introduction works well. We take it from there, keep you updated, and treat every referral as a reflection of your reputation.

Do you refer finance work back?
Yes. When our clients need commercial lending — equipment finance, business loans, commercial property — we refer to the brokers we trust and have worked with.

Ready to Work Together?

Whether it’s sorting out your own business structure, or building a referral relationship for your business owner clients — let’s have a conversation.