CBG Partners

We're Not a Call Centre in a Capital City.
When you call CBG Partners, you get someone who actually knows Mackay, the Bowen Basin, and the businesses that keep this region moving.
No offshore support lines. No generic advice written for a capital-city office.
Just local partners who understand tradies, miners, cane growers, and small business owners because we work alongside them every day.
Success. Together.

Growth Feels Great. Until the Cash Flow Can't Keep Up.
New contract. New hire. New piece of gear. Growth is exciting - but every one of those moves has a cash flow cost before it pays off.
The businesses that scale smoothly are the ones forecasting the gap, not discovering it the hard way.
Know what growth actually costs you upfront
Time your spending against real cash in the bank
Avoid the classic trap: profitable on paper, broke in the bank
Growth should build your business, not break it.

Taken Money Out of the Company for Personal Use?
It happens - a director dips into the business account to cover a personal bill, meaning to pay it back later.
The ATO has strict rules around director loans (Division 7A), and getting it wrong can mean an unexpected tax bill down the track.
If it's happened in your business, don't sit on it. Let's get it structured and compliant before it becomes a problem at tax time.

Are You Quoting to Win the Job, or to Actually Make Money?
Winning the job feels good. Actually making a profit on it is what keeps the lights on.
A lot of trades and small businesses across Mackay and regional Queensland are pricing off gut feel or “what we charged last time” - without checking whether the numbers still stack up against rising costs.
Know your real cost per job. Price for profit, not just for being busy.

Thinking About New Gear
New ute, new machinery, an upgrade to the workshop because if it's on the cards, timing matters.
When you buy, how you finance it, and how it's structured can all affect your tax position and your cash flow for months to come.
Before you sign anything, run it past us. A five-minute conversation now can save a much bigger headache later.

Crush Season Doesn't Leave Much Time for Paperwork
For cane growers across the Burdekin and beyond, this time of year is all go - harvest, haul-out, mill schedules, and long days that don't leave much room for admin.
That's exactly when your books are most likely to fall behind.
We work with cane farmers to keep the numbers moving in the background - real-time bookkeeping, GST tracking, and cash flow visibility - so the paperwork's sorted before it piles up.
Focus on the harvest. We'll handle the ledger.

Cyclone Season Doesn't Wait for You to Be Ready
November's closer than it looks on the calendar. For regional Queensland businesses, that means wet season, potential downtime, and cash flow that can dry up fast if a job site floods or a shipment's delayed.
The businesses that come through the wet season strongest are the ones building the buffer now, not in the panic of week one.
Build a cash reserve while trade is steady
Know your fixed costs if work slows for a few weeks
Talk to your bank or insurer before you need them, not after
Weather-proof your business while the sun's still out.
Business

Three Months Into Payday Super. How's It Tracking?
Back in July, Payday Super changed the game. Super Guarantee now has to be paid in step with wages, not banked up for the quarter.
We're three months in. For a lot of Mackay and regional Queensland employers, that first real test is done.
So, is your payroll system keeping up, or are you still finding cash flow surprises around pay day? If it's the latter, we don't put bandaids on it. We build a system that actually handles the real-time hit.

The Shoebox Method Was Never a System.
Receipts behind the ute seat. A folder of invoices “to sort later.” A bank feed that hasn't been touched since winter.
It's not a filing system - it's a slow leak in your visibility over the business.
As Xero and MYOB Platinum Partners, we help you move to real-time bookkeeping so you always know where you stand - not just at tax time.
Snap it, log it, done. From the road, the shed, or the boat.

Tax Returns Made Easy
Six simple steps between you and a lodged tax return. Visit our website, answer a few quick questions, upload your documents, and we take care of the prep, review and lodgement with the ATO. Tax return preparation from $150 ex GST.