Accounting & Business Advisory for Tradies
Helping Tradies Build Better Businesses, Pay Less Tax and Grow with Confidence
Whether you’re on the tools every day or managing a growing team, running a successful trade business requires much more than technical skills. Managing cash flow, employees, tax obligations, quoting jobs and planning for growth can quickly become overwhelming without the right advice.
At Rick & Mon Business Consultants, we specialise in working with trades businesses across Australia. From sole traders to large construction companies employing dozens of staff, we provide proactive accounting, taxation, business advisory and finance solutions that help tradies build profitable and sustainable businesses.
With offices in Narre Warren and Truganina, we proudly support tradies throughout Truganina, Clyde North, Cranbourne, Pakenham, Berwick, Narre Warren, Officer, Dandenong, Melbourne’s South East, Melbourne’s West, and clients across Australia.
We understand Tradies Because We Work With Them Every Day
Every trade business is different, but the challenges are often the same.
- Managing cash flow between jobs
- Hiring and retaining quality staff
- Understanding payroll obligations
- Purchasing vehicles and equipment
- Quoting jobs accurately
- Managing subcontractors
- Keeping up with tax obligations
- Growing the business without sacrificing profitability
Because we work closely with small and medium-sized trade businesses every day, we understand these challenges firsthand.
Our advice isn’t generic—it comes from years of helping businesses in the trades industry navigate the financial and operational realities of running a successful business.
Supporting Tradies Across Melbourne & Australia
Principal Ricky Dheri works closely with builders and trades businesses throughout Truganina, Clyde North, Melbourne’s South East, Melbourne’s Western Suburbs and across Australia.
By working alongside tradies on an ongoing basis, Ricky has developed a deep understanding of how trade businesses operate—from quoting and project management to staffing, taxation and business growth.
Rather than only meeting clients at tax time, we build long-term relationships, providing proactive advice that helps business owners make better financial decisions throughout the year.
Whether you’re an electrician, plumber, carpenter, concreter, painter, landscaper, bricklayer, plasterer, tiler, roofer, cabinet maker, earthmoving contractor or operate another trade business, we understand the challenges you face and the opportunities available to help your business grow.
The Right Business Structure Matters
One of the biggest mistakes we see tradies make is operating under the wrong business structure. Choosing the right structure isn’t just about compliance it can significantly impact:
- Tax outcomes
- Asset protection
- Personal liability
- Borrowing capacity
- Business growth
- Succession planning
We’ve helped many trade business owners restructure their businesses as they’ve grown, ensuring their structure continues to support their long-term financial goals.
Whether you’re starting out or employing a team of 30 people, we’ll help ensure your business is built on the right foundation.
Why Tradies Choose Rick & Mon
We Know the Trades Industry
We work with small and medium-sized trade businesses every day and understand the unique challenges they face.
Proactive Tax Planning
We don't wait until tax time. We identify opportunities throughout the year to improve your financial position and minimise tax legally.
Business Growth Focus
Our advice extends beyond compliance. We help clients improve profitability, strengthen cash flow and build valuable businesses.
Practical Advice
We explain complex financial matters in plain English and provide solutions that are practical, commercially focused and easy to implement.
Long-Term Partnerships
Many of our clients have been with us for years because they know we're genuinely invested in the success of their business.
Accounting, Tax & Finance Under One Roof
Whether you need bookkeeping, taxation, payroll, business advisory or finance, you'll have access to an experienced team that understands every stage of your business journey.
Business Advisory
As your business grows, your accountant should become one of your most trusted advisers.
We help clients:
- Understand business performance
- Improve profitability
- Monitor financial reports
- Set growth strategies
- Review pricing
- Plan business expansion
- Make informed financial decisions
Tax Planning
We provide proactive tax planning throughout the year to help:
- Minimise tax legally
- Plan for major purchases
- Manage tax obligations
- Avoid unexpected liabilities
- Improve overall financial outcomes
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Keeping up with BAS and GST obligations can be challenging when you’re busy managing jobs, quoting clients and running your trade business. At Rick & Mon Business Consultants, we provide reliable BAS services for tradies across Melbourne, ensuring your Business Activity Statements (BAS) are prepared accurately, lodged on time and fully compliant with Australian Taxation Office (ATO) requirements.
Beyond BAS lodgements, we help you manage GST reporting, improve cash flow, review business expenses and identify opportunities to strengthen your financial performance. Whether you’re an electrician, plumber, builder, carpenter, landscaper or sole trader, our proactive accounting support keeps your trade business organised, compliant and focused on growth so you can spend less time on paperwork and more time serving your customers.
Financial Reporting
Our financial reports provide valuable insights into:
- Profitability
- Job performance
- Gross margins
- Business expenses
- Cash flow
- Overall business health
Understanding your numbers helps you make better business decisions.
Payroll & Employees
As trade businesses grow, payroll becomes increasingly complex.
Our experienced payroll team assists with:
- Payroll setup
- Single Touch Payroll (STP)
- Superannuation obligations
- Leave entitlements
- Employee onboarding
- Payroll reporting
We help ensure your payroll systems remain accurate and compliant so you can focus on running your business.
Cash Flow Management
Cash flow is one of the biggest challenges facing trade businesses.
Late-paying customers, rising material costs and ongoing wages can quickly create financial pressure.
We work proactively with clients to:
- Prepare cash flow forecasts
- Monitor Business Performance
- Budget for tax obligations
- Plan equipment purchases
- Improve working capital
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Strong cash flow management gives businesses the confidence to grow.
Helping Tradies Stay Compliant & Grow With Confidence
Running a trade business involves more than completing jobs. From quoting and invoicing to BAS, payroll, GST and tax obligations, we help tradies stay organised, compliant and focused on growing their business. Our proactive advice helps reduce administration, improve cash flow and support long-term success.
Australian Taxation Office (ATO)
- Business tax returns
- BAS & GST
- PAYG withholding
- Payroll reporting
- Superannuation obligations
- Tax planning
Business & Financial Management
- Cash Flow Management
- Business Performance Reporting
- Job Costing & Profitability
- Budgeting & Forecasting
Tradie Business Success
- Bookkeeping & Cloud Accounting
- Payroll for Growing Teams
- Contractor & Employee Advice
- Finance for Vehicles & Equipment
- Business Growth Planning
Vehicles, Equipment & Asset Protection
Trade businesses often invest heavily in vehicles, trailers, tools and machinery.
We provide advice on:
- Equipment purchases
- Vehicle finance
- Depreciation
- Asset ownership
- Business structures
- Asset protection strategies
Our aim is to help protect both your business assets and your personal wealth as your business grows.
Mortgage & Finance Solutions
As your business grows, access to finance often becomes essential. Our Mortgage & Finance division assists NDIS providers with:
- Home loans
- Commercial property finance
- Business lending
- Vehicle finance
- Equipment finance
- Investment property finance
- Refinancing
By combining accounting and finance expertise under one roof, we help ensure every lending decision supports your broader financial strategy.
Our Process
A clear path from chaos to clarity.
01 · Initial Consultation
A free, no-pressure chat to understand your goals and situation.
02 · Financial Review
We assess your books, structure and obligations in detail.
03 · Strategy Development
We build a clear, tailored plan to save tax and improve cash flow.
04 · Ongoing Support
We stay alongside you year-round, adjusting as you grow.
Frequently Asked Questions
Absolutely. We can help you choose the right business structure, register your business, set up accounting software and establish strong financial systems from day one.
Yes. Through proactive planning and strategic advice, we help clients legally minimise tax while remaining fully compliant with Australian tax laws.
Yes. We regularly assist trade businesses with payroll, superannuation, Single Touch Payroll (STP) and employee compliance.
Yes. Our Mortgage & Finance division assists with vehicle finance, equipment finance, commercial lending and business funding.
Yes. While our offices are located in Narre Warren and Truganina, we proudly support trade businesses throughout Australia using cloud accounting technology and personalised advice.
Accordion Content
Build a Stronger Business with Rick & Mon
You’ve worked hard to build your business—now it’s time to make your finances work just as hard for you.
At Rick & Mon Business Consultants, we’re more than accountants. We’re trusted advisers who understand the trades industry and are committed to helping you build a profitable, well-structured and financially secure business.
Whether you’re a sole trader, growing contractor or established trade business, our experienced team will help you minimise tax, improve cash flow, protect your assets and achieve your long-term financial goals.