We have moved! Our new address is Suite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289.
Serving Businesses Australia-Wide

Business Finance Coaching for Australian Business Owners

Most business owners work hard but stay stuck. We show you exactly where your money goes, where the leaks are, and how to build a business that grows without burning you out.
More Profit, Less Guesswork
Real Financial Strategy
Accountability That Works
Registered Tax Agents Β· Xero Certified
Institute of Public AccountantsTax Practitioners BoardNational Tax & Accountants' AssociationXero Certified AdvisorAustralian Securities and Investments Commission

Running a business can feel like you’re wearing all the hats

CEO, bookkeeper, marketing manager, and everything in between. It’s easy to get stuck in the day-to-day and lose sight of the bigger picture. That’s where our business finance coaching comes in.

At 123 Financial Group, we help you step out of survival mode and into strategic growth. Whether you’re trying to grow your business, increase your profit, or get on top of your cash flow, we’ll show you how to make smart, sustainable financial decisions that actually move the needle.

Business owner reviewing their numbers with a business finance coach
Jen Richardson, business finance coach at 123 Financial Group

What Business Finance Coaching Covers

We look at the whole pictureβ€”what you’re earning, what you’re spending, what’s leaking out, and where the real opportunities are. From setting up a budget that works for your business expenses to pricing your services properly and planning ahead for tax, wages, and growthβ€”we’ll help you get proactive instead of reactive.

Our advisory service is all about clarity, strategy, and confidence. You’ll know exactly what’s coming in, what’s going out, and how to make the numbers work for youβ€”not the other way around. We’ll help you track the right KPIs, monitor your profit margins, and build a roadmap for the future that aligns with your goals.

Cash Flow & Budgeting

We map your revenue, expenses, and margin in plain Englishβ€”no jargon. You will see exactly where cash is leaking and which parts of your business are actually making you money.

Pricing & Profit Strategy

Are you undercharging? Are your margins shrinking as you grow? We help you price correctly, cut the waste, and increase take-home profitβ€”without needing more revenue.

A Clear Roadmap with KPIs

You get a written action plan with KPIs you can actually track, quarterly check-ins to keep you on course, and a coach who holds you accountable to the goals you set.

Accountant-Led Coaching vs a Typical Business Coach

Most business coaches focus on mindset and motivation. That mattersβ€”but without real financial analysis, it is just guesswork. We are accountants first, so our coaching is grounded in your actual numbers: your margins, cash flow, pricing, and tax position. You get strategy and accountability backed by genuine financial expertise.
Feature123 Financial GroupTypical Business Coach
Coaching Backed by Real Accounting Expertiseβœ“βœ—
Deep Dive Into Your Actual Numbersβœ“βœ—
Written Action Plan With KPIsβœ“βœ—
Pricing & Margin Strategyβœ“βœ—
Cash Flow & Profit Improvement Focusβœ“βœ—
Fixed-Fee Coaching (No Hourly Surprises)βœ“βœ—
Quarterly Accountability Check-Insβœ“βœ—
Tax & Structure Advice In the Same Meetingβœ“βœ—

How Our Business Coaching Works

Getting started is simple. Here is what to expect.
1

Book a Business Strategy Session

We start with a straight-talking conversation about where your business is now, what is working, what is not, and where you want to be in 12 months.
2

We Dig Into Your Numbers

We analyse your revenue, margins, cash flow, pricing, and costs to find the gaps and opportunities your current setup is hiding from you.
3

You Get a Written Action Plan

A clear, prioritised roadmapβ€”what to do first, what metrics to track, and how to measure whether it is working. No vague advice, no fluff.
4

We Coach You Through It

Regular check-ins, real accountability, and expert support every time you face a big decisionβ€”so you keep moving forward instead of getting stuck.

Group Business Finance Coaching: the Business Growth Academy

Prefer to learn alongside other business owners? The Business Growth Academy runs the same financial coaching framework in a small-group format, at a lower price point than one-on-one coaching.

Small Groups, Real Numbers

You work through your own figures — margins, cash flow, break-even — alongside non-competing business owners at a similar stage. No theory sessions, no generic templates.

A Shared Framework, Your Own Plan

Every session covers one part of the financial roadmap, and you leave having completed that part of your own plan rather than a page of notes to action later.

Accountability That Sticks

Regular group check-ins mean you report your numbers to people who understand them — the single biggest predictor of whether a plan actually gets followed.

This is more than just checking in once a year.

We become part of your teamβ€”your financial sounding board, your accountability partner, and your guide to making better business decisions. Because when you’ve got the right advice and the right systems in place, growing your business doesn’t have to come at the cost of your sanity (or your bank account).

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Our Business Coaching Guarantee

We back our coaching with a 30-day satisfaction guarantee. If you complete your first session and do not feel the engagement is the right fit, we will refund your fee in fullβ€”no questions asked. We are confident in what we do, and we only take on clients we genuinely believe we can help.

What Our Clients Say

Real reviews from real clients across Australia. Read more client testimonials.
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I have been to other business coaches who gave me motivation but no numbers. 123 Financial gave me a real financial plan. Complete game changer.
Tanya Reeves
Owner, Reeves Allied Health, Brisbane
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We grew 40% this year and actually had more cash at the end of it. That had never happened before. The coaching completely changed how I think about the business.
Darren McCoy
Director, McCoy Earthworks, Queensland
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For the first time I know my numbers. I know my margins, I know my break-even, and I know what I need to sell each month. It sounds basic but nobody had ever shown me before.
Simone Park
Owner, Simone Park Design, Sydney
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They are not just coachesβ€”they are accountants who know business. The advice is grounded in real finance, not just motivation.
Rick Barlow
Sole Trader, Newcastle
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We found $80,000 in wasted spend in our first session together. I wish I had done this five years ago.
Michelle Torres
Co-Founder, Torres Hospitality Group
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The quarterly check-ins keep me honest. Knowing I have to report my numbers to someone who understands them keeps me focused all year.
Craig Fisher
Owner, Fisher Mechanical, Central Coast

Business Coaching FAQs

What makes this different from normal business coaching?
Most business coaches focus on mindset and motivation. That mattersβ€”but without real financial analysis, it is just guesswork. We are accountants first, so our coaching is grounded in your actual numbers: your margins, cash flow, pricing, and tax position. You get strategy and accountability backed by genuine financial expertise.
My business is doing okay. Do I still need coaching?
Okay is not the same as optimised. Most business owners we work with are already busy and profitableβ€”but they are leaving money on the table, taking on risk they do not need to, or not paying themselves properly. Coaching finds and fixes that gap.
How much does business coaching cost?
We offer transparent fixed-fee coaching packages based on the level of support you needβ€”from quarterly strategy sessions to monthly deep dives with unlimited advice access. Book a call and we will recommend the right level and give you a clear price upfront.
Do you work with businesses across Australia?
Yes. We work with business owners right across Australia via video call. If you are local to Newcastle and Kotara, you are also welcome to meet us in person at our office.
What kinds of businesses do you work with?
Trades, professional services, retail, hospitality, healthcare, construction, and more. The common thread is business owners who are ready to get serious about growth and stop flying blind on their finances.
What will the first session cover?
The first session is a business strategy review. We look at where you are nowβ€”revenue, margins, cash flow, pricing, team, and goalsβ€”and identify the biggest opportunity to move the needle fast. You will leave with clarity and a clear next step, even if you decide not to continue.
Do I need to have my accounts in order first?
No. We can work with whatever you have. If your books are a mess, we can clean them up as part of the engagement. The coaching is most powerful when paired with accurate numbers, and we can help you get there.
How long does it take to see results?
Most clients identify tangible winsβ€”cost savings, pricing improvements, or cash flow gainsβ€”within the first 60 to 90 days. The bigger structural changes to profitability and growth take 6 to 12 months to fully play out, but the momentum starts immediately.

Related Reading and Tools

The numbers we work through in coaching, explained in more detail.

What Is Break-Even and Why Does It Matter?

The first number we calculate in almost every coaching engagement, and what it tells you about your pricing.

What Your Profit & Loss Statement Is Really Trying to Tell You

How to read a P&L as a decision-making tool rather than a compliance document.

Key Performance Indicators (KPIs): Your Business Dashboard

Which handful of numbers are worth tracking weekly, and which ones are just noise.

Small Business Sole Trader Tax Calculator

Estimate your tax position before you plan drawings, wages or a big purchase.

Coaching Australia-Wide or In Person in Kotara

We coach business owners right across Australia by video call, and in person at our Kotara office.
Visit usSuite 24, Level 1, OTP House, 10 Bradford Close, Kotara NSW 2289

Your business should be giving you freedomβ€”not taking it. Let's fix that.

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