Small Business Tax Strategy: Why Your Accountant and Mortgage Broker Should Talk

Most small business owners do not have a finance problem or a tax problem — they have a disconnect between the two.

In this episode of the Victorian Small Business Network Podcast, host Leanne Watson, mortgage and finance planner from Your Finance Angel, sits down with Felicity Bellmunt from Tax Espresso to unpack how small business tax strategy, lending, cash flow, business structure, and financial planning all work together.

If you are a sole trader, company director, entrepreneur, property investor, or growing business owner, this conversation will help you understand why your accountant, mortgage broker, and financial planner should not be working in isolation.

Leanne and Felicity discuss:

How small business tax strategy can support long-term growth
When to consider moving from sole trader to company or trust structures
Why your business structure may impact your borrowing power
How cash flow and profitability are not always the same thing
Why separate business and personal bank accounts matter
How loan structures can affect tax deductibility
Why planning before 30 June can create better financial outcomes
The importance of having your finance team in the same conversation

Whether you are preparing for end-of-financial-year tax planning, looking to borrow for business growth, reviewing your current loans, or simply trying to get clearer on your numbers, this episode will help you ask better questions and make more confident decisions.

Tax, finance, and lending decisions are connected. The earlier you bring the right advisors into the conversation, the easier it becomes to grow your business with clarity, confidence, and fewer costly mistakes.

Featuring:

HOST - Leanne Watson: https://leannewatson.com.au/
Felicity Bellmunt: https://www.taxespresso.com.au

Video Timestamps:

00:00 Welcome to the Victorian Small Business Network Podcast
01:43 Why tax often feels stressful for business owners
04:06 When to move from sole trader to company structure
06:33 How business structure can affect borrowing power
10:13 Why your accountant and mortgage broker should talk
13:08 Loan structure and tax deductibility explained
18:31 Why proactive accounting matters
20:43 Why separating business and personal accounts is critical
24:06 The three key advisors every business owner needs
30:02 Profitability vs cash flow
33:03 Business lending options and using property security
36:56 Reviewing business loans and saving money
39:40 End-of-financial-year planning tips
44:31 Final thoughts and how to get in touch