3 BEARS TRUST
Yourfinancialpotential
For the year ahead
Prepared for business owners, investors and ambitious Australians
Accounting is where we start. Your bigger picture is where we focus.
Established 2014
Accounting + lending + investment
Australian businesses & investors
TPB RegisteredTax Agent #26295844
Registered ASIC AgentCorporate Registries
IPA Public PracticeMIPA ID: 358032
Credit RepresentativeCR #533533
MFAA AccreditedFinance Broker
COMMON STRATEGIES
Choose a common commercial strategy below to pre-select complementary services across Make, Save & Raise and jump to that section:
01Make money
Yields & Acquisitions02Save money
Tax & Asset Shielding03Raise money
Debt & Capex LinesView Mode:
STATEMENT OF OPPORTUNITIES
YOUR GOAL
Make money
Secured property returns
Investment grade property
Project development profits
Profitable business ownership
Maximum sale price & clean exit
Structured wealth growth
Passive referral income
Put your money to work
01
Save money
Maximum tax refund & compliance
Accurate books & STP compliance
Super control & 15% tax cap
Asset protection & lowest tax
Pre-purchase due diligence
PAYG tax reduction
ASIC review & corporate compliance
GIC remission & debt relief
Keep more of what you earn
02
Raise money
Lowest rate mortgage finance
Lower repayments & cash equity
Buy first home with low deposit
Borrow inside your super
Fast vehicle & machinery funding
Working capital & growth finance
Commercial freehold purchase
Build & development finance
Urgent & flexible liquidity
Debt consolidation & funds
Fund your next move
03
NET OUTCOME
More possibilities.
NOTES TO YOUR FINANCIAL FUTURE
Insights, experience and proof points to support your next chapter.
Note 01
Why 3 Bears Trust
01 One connected financial picture
Tax, lending and investment decisions considered together.
02 Commercial experience
Accounting expertise informed by a banking background.
03 Practical next steps
Clear priorities, explained in plain English.
Note 02
What we've helped achieve
Foreign Investment & Private Lending+$350k Saved
Saved $350,000 in tax on a $1.5M residential purchase via structuring & private lending facility—enabling an acquisition that otherwise would not have taken place.
Dental Practice ($75k → $20k Tax Bill)-$55k Bill
Reduced prior accountant's $75k tax payable down to $20k by correcting uncaptured expenses, optimizing super contributions, and restructuring expansion debt.
Real outcomes structured for Australian business owners and private investors.
Note 03
In our clients' words
“3 Bears Trust didn't just lodge our returns—they restructured our commercial debt, renegotiated bank facilities, and showed us how to purchase our trading premises through our super.”
Marcus L. · Managing Director, Logistics & Distribution
Note 04
Professional credentials
Registered Tax Agent (TPB #26295844)
Registered ASIC Agent
IPA Public Practice (MIPA ID: 358032)
Credit Representative (CR #533533)
CPA, CA & MIPA accredited accountants
MFAA Accredited Member
Accredited Mortgage & Finance Brokers
Certified Xero, QuickBooks & MYOB Partners
AFCA Member
Professional Indemnity Insurance
Accredited lender panel 70+ lenders
Fully licensed and registered across Australian taxation, public accounting, and finance bodies.
01 One connected financial picture
Tax, lending and investment decisions considered together.
02 Commercial experience
Accounting expertise informed by a banking background.
03 Practical next steps
Clear priorities, explained in plain English.
Foreign Investment & Private Lending+$350k Saved
Saved $350,000 in tax on a $1.5M residential purchase via structuring & private lending facility—enabling an acquisition that otherwise would not have taken place.
Dental Practice ($75k → $20k Tax Bill)-$55k Bill
Reduced prior accountant's $75k tax payable down to $20k by correcting uncaptured expenses, optimizing super contributions, and restructuring expansion debt.
Real outcomes structured for Australian business owners and private investors.
“3 Bears Trust didn't just lodge our returns—they restructured our commercial debt, renegotiated bank facilities, and showed us how to purchase our trading premises through our super.”
Marcus L. · Managing Director, Logistics & Distribution
Registered Tax Agent (TPB #26295844)
Registered ASIC Agent
IPA Public Practice (MIPA ID: 358032)
Credit Representative (CR #533533)
CPA, CA & MIPA accredited accountants
MFAA Accredited Member
Accredited Mortgage & Finance Brokers
Certified Xero, QuickBooks & MYOB Partners
AFCA Member
Professional Indemnity Insurance
Accredited lender panel 70+ lenders
Fully licensed and registered across Australian taxation, public accounting, and finance bodies.
Direct Practice Engagement
Your numbers tell a story. Let's write the next chapter.
Direct Phone(02) 4708 9955
Practice LocationBay 5-7, 2 Locomotive St, Eveleigh NSW 2015
Working Hours9am – 6pm, Mon to Fri