Starting Out

Resources for tradie ladies going out on their own.

A step-by-step guide for tradie ladies going out on their own

You already know your trade. This guide will help you sort out the business sitting behind it.

Work through the 11 steps in order. Some will take ten minutes. Others may mean speaking with an accountant, insurer or trade regulator before you move ahead.

You don’t need to know everything today. You do need to check the important things before they begin costing you money!

Step 1 of 11

Check your trade and contractor licensing requirements

Being qualified to do the work does not always mean you are allowed to advertise it, quote for it or contract directly with customers.

Depending on your trade and location, you may need separate permission to:

  • Perform the physical work

  • Supervise workers or apprentices

  • Advertise your services

  • Provide quotes

  • Enter contracts with customers

  • Complete residential or specialist work

  • Take on jobs over a certain value

  • Operate through a company

  • Issue compliance certificates

What to do

Start with the Australian Business Licence and Information Service.

Enter your trade, business activity and location. ABLIS will show you the licences, registrations, permits and approvals that may apply.

Then confirm the result directly with the regulator responsible for your trade in your state or territory.

Check:

  • Whether you need a contractor licence

  • Whether your existing licence covers the work you plan to offer

  • Whether a company needs its own licence or registered nominee

  • Whether job value or residential work changes the requirements

  • What details must appear on your quotes, invoices or advertising

PINK ADVICE: Don't rely on what another tradie has done! The requirements can change depending on your trade, state, business structure and the type or value of the job.

〰️

PINK ADVICE: Don't rely on what another tradie has done! The requirements can change depending on your trade, state, business structure and the type or value of the job. 〰️

Step 2 of 11

Choose your business structure

Your business structure is the legal setup sitting behind your business.

It affects:

  • Who owns the business

  • Who is responsible for debts or claims

  • How the business pays tax

  • Which name appears on contracts

  • How licences and insurance are arranged

  • Whether you can bring in partners or shareholders

  • How much administration is involved

Your main options

Sole trader

You and the business are legally the same person. It is usually the simplest structure to start with, but you are personally responsible for the business’s debts and claims.

Partnership

Two or more people operate the business together. Roles, money, responsibilities and exit arrangements should be agreed in writing.

Company

The company is a separate legal entity. It can suit a business that plans to grow, employ people or bring in other owners. It costs more to establish and directors have ongoing responsibilities.

Trust

A trustee operates the business for its beneficiaries. Trusts are more complicated and should be established with proper legal and accounting advice.

What to do

Think about:

  • The risk involved in your work

  • Your expected income

  • Tools, vehicles and finance

  • Whether anyone else will own the business

  • Whether you plan to employ people

  • What you want the business to become

Speak with an accountant who understands trade businesses before making the final decision.

Compare business structures

PINK ADVICE: Do not choose a structure only because someone told you it would save tax. Your licences, insurance, personal responsibility and future plans matter too.

〰️

PINK ADVICE: Do not choose a structure only because someone told you it would save tax. Your licences, insurance, personal responsibility and future plans matter too. 〰️

Step 3 of 11

Choose and properly clear the business name

The name may be the exciting part, but do not start paying for logos, uniforms or vehicle graphics yet.

First, make sure the name is genuinely available.

What to check

1. Google and local directories

Search the name with your trade, suburb, region and state. Look for businesses with identical or similar names.

2. ASIC business names

Use the ASIC registers to check registered business and company names.

3. Australian trade marks

Search IP Australia for the same or similar words used for related services.

4. Domains and social media

Check whether the matching website address and social media usernames are available.

A business name can appear available through ASIC and still create problems if it is too close to an existing trade mark or established business.

Registering a business name does not give you the same protection as owning a trade mark.

“Say the name out loud. Spell it over the phone. Picture it on an invoice, work shirt and vehicle. Make sure it can grow with the business too.”
— PINK TIP

Step 4 of 11

Register the company first if you choose a company

(Skip this step if you have chosen to operate as a sole trader.)

“Use the same legal name and details everywhere. Small differences between registrations, licences, insurance and contracts can create unnecessary problems later.”
— PINK TIP

A company is a separate legal entity. It needs to exist before you apply for registrations in the company’s name.

Once registered, the company receives an Australian Company Number, known as an ACN.

Before registering

Confirm:

  • The company’s legal name

  • Who the directors will be

  • Who will own the shares

  • The registered office address

  • The main business address

  • The share structure

  • Who will look after the company records and annual reviews

Anyone becoming a director will also need to complete the required director identification process.

What to do

Register the company through the:

Australian Government Business Registration Service.

Once it has been created, use the company’s exact legal details when applying for:

  • The company’s ABN

  • Any business names

  • Bank accounts

  • Insurance

  • Trade or contractor licences

Keep the company registration confirmation and ACN somewhere secure.

Step 5 of 11

Apply for the correct ABN

“Be careful with commercial registration websites. They may charge you to complete an ABN application that is free through the official government service.”
— PINK TIP

An Australian Business Number, or ABN, identifies the person or legal entity operating the business.

The ABN does not belong to the business name.

Who should hold the ABN?

  • A sole trader applies in her individual name

  • A company applies in the company’s legal name

  • A partnership applies in the partnership’s name

  • A trust applies using the correct trust and trustee details

If you register an ABN as a sole trader and later change to a company, the company will generally need its own ABN.

What to do

Apply through the official Australian Business Register.

The application is free.

Check every name, address and entity detail before submitting it.

Once approved:

  • Save the confirmation

  • Check the public details on ABN Lookup

  • Make sure the legal name and business structure are correct

  • Keep the ABN ready for your business name, bank account, invoices and other registrations

Step 6 of 11

Register the business name if required

Your legal name and business name are not always the same.

Your legal name is the person or entity operating the business. Your business name is the name customers see.

You generally need to register a business name if you trade under anything other than:

  • Your own exact personal name as a sole trader

  • The exact registered name of your company

What to do

Register the name through the Australian Government Business Registration Service.

Make sure it is linked to the correct ABN.

Once registered:

  • Check the legal holder is correct

  • Save the registration confirmation

  • Record the renewal date

  • Set a renewal reminder

  • Use the correct legal name and ABN on quotes, contracts and invoices

Business names are registered for either one year or three years.

Remember that registering a business name allows you to trade under that name. It does not automatically give you trade mark protection.

Step 7 of 11

Check your GST and employer obligations

GST is based on turnover, not profit.

Turnover is the total amount of business income you receive before expenses are taken out.

You generally need to register for GST when your GST turnover reaches, or is expected to reach, $75,000.

If you register for GST, you will need to:

  • Allow for GST in your prices

  • Issue the correct tax invoices

  • Keep suitable records

  • Lodge Business Activity Statements

  • Set GST money aside

If you are not registered for GST, you cannot add GST to your invoices.

Check the current GST requirements

Employees and subcontractors

If you plan to employ someone or use subcontractors, check the arrangement properly before they begin.

Someone is not automatically a contractor because they have an ABN or send you an invoice.

Depending on the arrangement, you may need to organise:

  • PAYG withholding

  • Payroll

  • Single Touch Payroll

  • Superannuation

  • Workers compensation

  • Award pay and conditions

  • Written agreements

  • Worker records and inductions

If you are starting alone, you can move on for now. Come back to this step before anyone begins working for the business.

Check your worker obligations

Step 8 of 11

Secure your domain and social media names

PINK TIP: You don’t need to actively use every social platform. Securing the matching username simply helps protect your business name and prevents customer confusion later.

A domain is the website address customers use to find your business online.

Once you have properly cleared the business name, secure the main online names before announcing it.

What to secure

  • Your preferred website domain

  • Any useful domain variations

  • Matching social media usernames

  • A professional email address using your domain

You do not need to build the complete website yet. Securing the domain simply stops someone else from taking it while you set everything up.

Keep control of the accounts

Register the domain and main accounts using an email address controlled by the business owner.

A designer, employee or outside provider can help manage them without owning them.

Also remember to:

  • Turn on two-factor authentication

  • Add recovery details

  • Store passwords securely

  • Record renewal dates

  • Keep payment details current

  • Check who has access

Step 9 of 11

Arrange the right insurance

Insurance needs to match the work you actually do.

Be completely clear with the insurer or broker about:

  • Every service you plan to offer

  • Where you will work

  • Whether you work in homes or businesses

  • Whether you work at heights

  • Whether you perform excavation or hot work

  • Whether you use employees or subcontractors

  • Where tools and materials are stored

  • How vehicles are used for the business

Cover you may need to consider

Public liability

Helps protect the business if your work causes injury or property damage.

Tools, stock and equipment

May cover theft, loss or damage at home, in a vehicle or on site.

Commercial vehicle

Covers a vehicle being used for business purposes.

Contract works

May cover damage to work or materials while a project is underway.

Professional indemnity

May be relevant if you provide professional advice, design or specifications.

Workers compensation

May be required if you employ people.

Personal accident or income protection

May provide support if illness or injury stops you from working.

Check that the insured name matches the person or entity entering customer contracts.

Explore business insurance types

PINK ADVICE: The cheapest policy is not useful if it excludes the work you actually do. Ask important questions and get the answers in writing.

Step 10 of 11

Set up the business behind the work

PINK ADVICE: Extra work is still work. If a customer changes the job, stop and put the new scope, price and timing in writing before continuing.

Before the first customer says yes, make sure you can manage the job from enquiry through to payment.

Set up your banking

Open the correct account for your business structure.

Even if you are a sole trader, keeping business and personal money separate will make bookkeeping and tax much easier.

Consider separate accounts or money buckets for:

  • Everyday business expenses

  • GST

  • Tax

  • Wages and super, if relevant

Set up your bookkeeping

Choose a system for:

  • Recording income

  • Saving receipts

  • Entering purchases and expenses

  • Tracking materials and job costs

  • Checking unpaid invoices

  • Preparing information for tax and BAS

Keep the system simple enough that you will actually use it.

Prepare your customer paperwork

Create:

  • An enquiry process

  • A quote template

  • Written terms and conditions

  • A way for customers to accept quotes

  • Deposit and payment rules

  • A written variation process

  • An invoice template

  • Completion and handover documents

  • Warranty or care information where required

Every quote should clearly explain:

  • What work is included

  • What is not included

  • The materials or allowances included

  • The price and GST treatment

  • When payments are due

  • Expected timing

  • What the customer needs to provide

  • How changes will be handled

Step 11 of 11

Test everything before the first real job

Do not wait for a paying customer to discover that your quote, booking or payment process does not work.

Ask someone you trust to act as a pretend customer and run one job through the complete business.

Test the full process

1. Enquiry

Can the customer contact you and provide the information you need?

2. Job assessment

Can you work out whether the job suits your licence, location, timing and capacity?

3. Quote

Can you create and send a clear quote from the correct business?

4. Acceptance

Can the customer accept it in writing?

5. Deposit

Can the customer pay, and can you record the payment correctly?

6. Booking

Does the customer receive a clear booking confirmation?

7. Variation

Can you record a change, price it and receive written approval?

8. Completion

Can you save job notes, photographs, certificates and handover information?

9. Invoice

Can you send an invoice with the correct legal name, ABN and payment details?

10. Payment

Does the payment process work?

11. Close the job

Can you send the final documents and request a review?

Run one final check

Make sure:

  • Your legal name, business name and ABN are correct

  • Your licence details are displayed where required

  • Your insurance matches the contracting entity

  • Quote and invoice totals calculate properly

  • Your website form and email address work

  • Your payment details are correct

  • Job records are saved in the right place

Fix anything that does not work before opening the diary to real customers.

PINK TIP: A process is not finished because the template exists. It is finished when you have tested it and know it works.

〰️

PINK TIP: A process is not finished because the template exists. It is finished when you have tested it and know it works. 〰️

9. Know what it will cost to start

The cost of starting a trade business depends on the trade, structure and amount of equipment you already own.

Your initial costs may include:

  • Company, business-name and licence registrations

  • Accounting and legal advice

  • Insurance

  • Tools and safety equipment

  • Vehicle purchase, finance or setup

  • Uniforms and workwear

  • Phone and internet

  • Bookkeeping and job-management software

  • Domain names and business email

  • Branding, signage and vehicle graphics

  • Website setup

  • Advertising

  • Professional memberships

  • Training and compliance

  • Deposits for materials

  • Money to cover living and business costs while invoices are being paid

Separate the costs that are essential before the first job from the things that can wait.

You need to be legal, insured, organised and able to complete the work safely. You do not need to buy every piece of equipment, software or branding on day one.

The complete Aligned Member kit includes a start-up cost planner so you can work out what is essential now, what can wait and how much cash the business needs before it begins.

10. Work out what you actually need to charge

Your hourly rate is not simply the wage you would like to earn.

Your prices need to account for:

  • Time on the tools

  • Quoting and site visits

  • Travel

  • Administration

  • Bookkeeping

  • Materials and consumables

  • Tools and equipment

  • Vehicle expenses

  • Insurance

  • Licences and training

  • Software

  • Leave and sick days

  • Superannuation

  • Jobs that run over time

  • Unpaid invoices

  • Time that cannot be billed to a customer

  • Profit for the business

If you want to earn the equivalent of $50 an hour, charging $50 an hour will not achieve it. The business still has to cover every non-billable hour and operating cost around the work.

Know the cost of delivering the job before deciding what to charge for it.

FAQs

Where do I start?

1

Start with Step 1: check whether you are legally allowed to advertise, quote and contract for the work you want to offer.

It is much easier to build the business properly once you know exactly what your licence or registration allows you to do.


I am qualified in my trade. Do I still need a contractor licence?

2

Possibly.

A trade qualification shows that you have been trained to perform the work. A contractor licence or registration may be required before you can advertise, provide quotes, sign contracts or take responsibility for jobs yourself.

The rules depend on your trade, the type and value of the work, and the state or territory where you operate. Check through ABLIS and confirm the answer with your state or territory regulator.


Do I need everything sorted before I start?

3

You don’t need a fancy website, branded work shirts or a perfect Instagram feed before you begin.

You do need the important foundations in place before taking paid work. This includes the correct licence or registration, business structure, ABN, insurance, banking, bookkeeping and customer documents.


Should I start as a sole trader or company?

4

There is no single answer that suits every tradie lady.

A sole trader setup is generally simpler and less expensive to establish. A company is a separate legal entity, costs more to run and comes with additional responsibilities.

The right choice can depend on your level of risk, expected income, employees, business partners, finance and plans for growth. Read the business structure information on business.gov.au and speak with an accountant before deciding.


Do I need an accountant before I start?

5

You can complete many registrations yourself, but getting advice early can prevent expensive mistakes.

An accountant can help you choose a suitable business structure, understand your tax obligations, set up your bookkeeping and work out what you need to put aside from each payment.

Look for someone who understands trade businesses—not just someone who promises to save you tax.


Does registering a business name mean I own it?

6

No.

Registering a business name allows you to trade under that name. It does not give you ownership of the name or automatically protect it as a trade mark.

Before committing to a name, check the ASIC registers, search for similar businesses online and check the IP Australia Trade Mark Search.


Do I need a business name?

7

Not always.

If you are a sole trader operating under your exact personal name, you may not need to register a separate business name. If you trade under another name, you will generally need to register it.

Check your situation through the Australian Government Business Registration Service.


When do I need to register for GST?

9

Most businesses need to register once their GST turnover reaches the current registration threshold.

Turnover means the total income the business earns before expenses are deducted—not the amount you take home.

Read the current requirements on the ATO website or check with your accountant.


Is it free to get an ABN?

8

Yes. Applying for an ABN through the official Australian Business Register is free.

Be careful of third-party websites that charge a fee to submit the application for you.


What insurance does a trade business need?

10

It depends on the work you perform, where you work, whether you employ anyone and what your licence requires.

Common policies can include public liability, tools and equipment, commercial vehicle, personal accident or income protection, professional indemnity and workers compensation.

Tell the insurer exactly what work you do. Do not assume a general policy automatically covers every service you plan to offer.

You can learn more through the business.gov.au insurance guide.


Can I use my personal bank account?

11

Keeping business and personal money separate makes bookkeeping, tax time and understanding your actual profit much easier.

A company must have its own bank account. Even when you are starting as a sole trader, opening a separate account for business income and expenses is a smart move.


How do I know what to charge?

12

Your price needs to cover more than your time on the tools.

Allow for materials, travel, quoting, administration, insurance, licences, software, tools, vehicle costs, tax, super, leave and the time you cannot invoice to a customer.

Do not base your price only on what another tradie charges. Their costs, experience and business may be completely different from yours.


Can I start the business while I am still employed?

13

Possibly, but check your employment contract first.

Look for rules covering secondary employment, conflicts of interest, customer contact, confidential information, tools, vehicles and working for yourself outside your normal hours.

Never use your employer’s customer list, materials, equipment, systems or work time without clear permission.


What if I plan to use subcontractors?

14

Using a subcontractor does not automatically remove your responsibilities.

You still need to check that they have the correct licence, insurance and business registrations. You also need a written agreement explaining the work, price, payment arrangements and responsibilities.

The difference between an employee and a genuine subcontractor is not decided simply by giving someone an ABN. Check the current worker rules with the ATO.


Is this guide legal, accounting or financial advice?

16

No. This resource provides general business information to help you understand the steps involved in starting out.

Your requirements will depend on your trade, location, business structure and circumstances. Always confirm important decisions with the relevant government regulator and appropriately qualified legal, accounting, insurance or financial professionals.


What if I am not ready to take paying customers yet?

15

That is okay. Finding a gap now is far better than finding it after accepting a job.

Go back to the step that is not complete, contact the relevant regulator or adviser and sort it out before moving forward. Starting properly is more important than starting quickly.

About This Resource

This resource has been developed by The Feel Co as part of its partnership with Pink Tradie Ladie for SupportHER on Site.

It has been created to make the business side of going out on your own easier to understand, with practical steps, useful links and general information for tradie ladies starting their first business.

A Pink Tradie Ladie SupportHER on Site resource developed in partnership with The Feel Co.

Important Information and Disclaimer

This resource provides general information only. It does not provide legal, accounting, taxation, financial, insurance, licensing, employment or other professional advice and should not be relied upon as a substitute for advice relating to your individual circumstances.

Business, licensing and registration requirements vary according to your trade, location, business structure and the work you perform. Laws, fees, thresholds, government processes and website information can also change. You are responsible for checking that the information you rely on is current, accurate and applicable to your circumstances before making a decision, entering into an agreement or starting work.

Always confirm your requirements directly with the relevant government authority, regulator or suitably qualified professional.

Links to external websites are provided for convenience only. Pink Tradie Ladie, SupportHER on Site and The Feel Co do not control, endorse or accept responsibility for the accuracy, availability or content of third-party websites.

To the maximum extent permitted by law, Pink Tradie Ladie, SupportHER on Site, The Feel Co and their owners, directors, employees, contractors and contributors make no representations or warranties about the completeness, accuracy, reliability or suitability of this resource and accept no liability for any loss, damage, cost or consequence arising from its use, reliance upon it or inability to access it.

You remain responsible for your business decisions, registrations, licences, insurance, contracts, tax obligations and compliance with all applicable laws.

Nothing in this disclaimer excludes, restricts or modifies any right, guarantee or liability that cannot lawfully be excluded under Australian law.

Last reviewed: October 2026.