Home2025-11-19T13:11:26+10:00

Making Finance Simple Again

Clear, Professional & Localised

RCFS: Trusted Financial Partners for Business Owners and Professionals in Regional Queensland.

We help you gain clarity, structure, and control across all areas of your financial life — whether you’re building a business, investing in property, or planning your future.

Passionate – Dedicated – Professional

Growing your business is hard

Managing your finances while doing it? Even harder.

At RCFS, we bring over 60 years of experience in Commercial Finance & Banking Experience

to help you simplify your financial strategy, access smarter finance, and grow with confidence.

No fluff. No band-aids. Just real outcomes.

Take Our Quick Survey

Discover how we can help

Take Our Quick Survey

Start by entering your email and answering a few quick questions. We’ll use your answers to match you with the right service and offer you a free, no-obligation strategy session within 48 hours.

Discover how we can help

Take Our Quick Survey

Start by entering your email and answering a few quick questions. We’ll use your answers to match you with the right service and offer you a free, no-obligation strategy session within 48 hours.

Take Our Quick Survey

Let’s be Real…

If you’re here, something’s not quite right.

  • You’re making money, but it’s scattered.

  • You’re growing, but systems are messy.

  • You’re ready to invest, but not sure how.

RCFS helps you cut through the noise. Our tailored approach gives you clarity, structured planning, and the right finance strategy to scale effectively—without the guesswork. We partner with business owners, professionals, and individuals in regional Queensland who want clearer, smarter financial direction.

This isn’t generic advice. It’s tailored support from trusted professionals who care about your long-term success.

Experience Your Can Trust

Our Core Services

Financial Consulting

Sometimes you just need a plan that makes sense. Our financial consulting services give you a clear picture of your money, your goals, and the steps to get there. From budgeting and debt management to investment strategies and long-term planning, we’ll guide you every step of the way.

Commercial Loans

Looking to buy or refinance a commercial property? Commercial lending is a bit different from home loans — rates and terms can be flexible depending on your business. We work with the right lenders, negotiate on your behalf, and make sure you’re getting the best possible deal.

SMFS Loans

Want to use your super to invest in property? We can help you set up a Self-Managed Super Fund loan that fits within the rules and helps you grow your investments. Whether it’s residential or commercial property, we’ll take care of the process so you can focus on your future.

Home Loans (Variable & Fixed Rate)

Fixed or variable home loans — which one’s right for you? Fixed rates give stability, variable rates give flexibility. We’ll talk through the pros and cons of each and help you pick the loan that fits your life and your goals.

Refinance Loans

Refinancing can save you money, reduce your repayments, or free up equity — but only if it’s done right. We’ll look at your options, crunch the numbers, and make sure refinancing actually works for you.

Equipment & Vehicle Finance

Need vehicles, tools, or machinery for your business? We can help you find finance that fits your budget and keeps your business moving forward.

Bridging Loans

Buying a new home before selling your old one? A bridging loan can help cover the gap. We’ll explain how it works, what it costs, and whether it’s right for your situation — so you’re never caught short.

First Home Buyers

Buying your first home is exciting — and can be a little overwhelming. We’ll guide you through the whole process, from understanding how much you can borrow to applying for grants and choosing the right lender. No jargon, just straightforward advice.

Investment Loans

Growing a property portfolio? We’ll help you structure the right investment loans and work with your accountant or financial planner to make sure it’s done properly. Our goal is to help you make the most of your investments.

Let’s Talk

Everyone’s situation is different — that’s why we don’t do one-size-fits-all solutions. Whether you need financial advice, a home loan, a business loan, or just some guidance, we’re here to help.

Reach out today and let’s start planning your financial future together.

R.C.F.S. is proudly associated with:

Accreditation Documents and Certificates
Australian Financial Complaints Authority - Certificate of Membership
Central Qld University - Bachelor of Business (Accounting) & Bachelor of Business (Information Systems)
FARSTA - Certificate IV in Finance & Mortgage Broking
Mortgage & Finance Association of Australia - Statement of Attainment
Mortgage & Finance Association of Australia - Certificate of Membership
Rose Consulting & Financial Services team

Enough second-guessing

It’s time for a plan that matches your ambition.

Get your free Financial Health Check today. Whether we move forward or not, you’ll leave with clarity and next steps.

Rose Consulting & Financial Services team

Enough second-guessing

It’s time for a plan that matches your ambition.

Book your free financial strategy session today. Whether we move forward or not, you’ll leave with clarity and next steps.

FAQs

What does it cost?2025-11-19T15:19:54+10:00

Nothing for the free financial health check. Just your time. The insights? Often game-changing.

Who is RCFS for?2025-05-22T12:16:55+10:00

We serve business owners, professionals, and individuals in regional Queensland who want clearer, smarter financial direction.

Is this just another sales pitch?2025-05-22T12:16:27+10:00

Not at all. We only work with businesses we know we can help. This is a conversation, not a pressure session.

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