Rose Consulting & Financial Services

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Rose Consulting & Financial Services RCFS is completely independent of all financiers, and we operate solely with our clients’ requirements in mind.
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RCFS is a full service brokerage and consultancy business which is passionate about helping business operators and individuals successfully manage their businesses and personal finances. Services provided by RCFS:

- Business Consulting including process improvement, business planning, profit &
loss, balance sheet and cash flow analysis
- Business Finance specialising in Asset Finance
- Bank Applications, Annual Reviews and or Ongoing Relationship Management

RCFS is passionate about helping business operators successfully manage their businesses by helping them in ways which suit their needs. We are also happy to outsource and connect clients with different professionals and other businesses where those introductions can potentially benefit all parties involved. After 15 years in the Banking industry with NAB and CBA in both Business & Agri Markets, I decided to leave and change direction in 2021. Part of this change included working for a multi-faceted business in the South Burnett as their Financial Controller, whilst also running my own consulting and finance business and over the past few years, RCFS has been very fortunate and developed a strong client base throughout the Wide Bay, South & North Burnett Regions. RCFS is aimed at assisting small & medium business on various matters including financial matters, strategy, and planning and regularly works closely with accountants, financiers, and other key parties to ensure great outcomes. On top of this and in conjunction with the consulting side, RCFS has also been able to setup up a partnership with Smyth Financial. This relationship complements the consulting side of the business and allows our team to assist business clients with all their financing needs with specific focus on Asset Finance. Jason Smyth, the owner of Smyth Financial is highly regarded in the industry and was BOQ Broker of the Year in 2019 in the Equipment Specialist field. The other key members of his team are Corey Smith & Marcus Hunt who are both very well known, and former colleagues of mine from my CBA days. Corey Smith is very highly regarded with background in Mining Services, Construction and Retail Industries throughout the Central Queensland Region whilst Marcus Hunt has a strong background in Clubs, Pubs, Motels, and Professional Service markets.

🏡 You’ve changed jobs. Started a family. Built a business.Has your home loan kept up?A loan that suited you a few years ...
31/10/2026

🏡 You’ve changed jobs. Started a family. Built a business.

Has your home loan kept up?

A loan that suited you a few years ago may deserve another look today.

At Rose Consulting & Financial Services , we can review your current home loan and explore how the rate, fees, features and structure fit your circumstances now.

And if you’re considering refinancing, we’ll help you weigh up the costs and potential benefits before you decide.

Your next move starts with knowing your options.

📩 Message RCFS to arrange a home loan review.
🌐 www.rcfs.com.au

Your calendar is full. Your team is flat out. So why does moving forward still feel so hard?Running a business leaves li...
30/10/2026

Your calendar is full. Your team is flat out. So why does moving forward still feel so hard?

Running a business leaves little time to step back and ask the bigger questions.

Where are we heading?
What’s holding us back?
What needs to change before we grow?

At Rose Consulting & Financial Services, we give business owners a sounding board and practical support to work through their next move.

Whether you’re weighing up an opportunity, reviewing your finances or looking for clearer direction, start with a conversation.

☕ Bring your questions. Let’s make time for your business.

Book a free financial health check at www.rcfs.com.au

🚜 That machine has done a good job. But is it still doing your business any favours?Another repair. Another breakdown. A...
30/10/2026

🚜 That machine has done a good job. But is it still doing your business any favours?

Another repair. Another breakdown. Another job pushed back.

When equipment becomes unreliable, the cost can reach well beyond the workshop bill.

At Rose Consulting & Financial Services, we help business owners explore equipment and vehicle finance options that suit their operations, budget and next stage of growth.

From farm machinery to work vehicles and specialised equipment, let’s talk through the numbers before your next purchase.

📩 Message RCFS to get the conversation started.
🌐 www.rcfs.com.au

💼 Buying commercial premises is a big business decision. Get clear on the finance first.Whether you’re purchasing your f...
25/10/2026

💼 Buying commercial premises is a big business decision. Get clear on the finance first.

Whether you’re purchasing your first premises or refinancing an existing commercial property, understanding your lending options can help you plan your next move.

Rose Consulting & Financial Services works with lenders and negotiates on your behalf, helping you navigate the process with practical guidance.

Planning a commercial property purchase? Speak with our team before you commit.

📞 0411 637 003
🌐 www.rcfs.com.au

🏡 Your circumstances change. Does your home loan still fit?A different income, a growing family or new financial goals c...
23/10/2026

🏡 Your circumstances change. Does your home loan still fit?

A different income, a growing family or new financial goals can be a good reason to review your current loan.

At Rose Consulting & Financial Services, we help you understand your refinancing options and assess whether a change could benefit you, taking the costs into account.

Start with a conversation and find out where you stand.

📞 0411 637 003
🌐 www.rcfs.com.au

🚜 Your next piece of equipment deserves a finance plan that fits.Upgrading machinery? Adding a work vehicle? Investing i...
23/10/2026

🚜 Your next piece of equipment deserves a finance plan that fits.

Upgrading machinery? Adding a work vehicle? Investing in tools to take on more jobs?

Before you commit, speak with Rose Consulting & Financial Services about your equipment and vehicle finance options.

We help you explore finance suited to your budget and business needs, with clear explanations so you understand your options before moving forward.

Got your eye on your next business asset? Let’s talk finance.

📞 0411 637 003
🌐 www.rcfs.com.au

🩺 WHEN WAS YOUR LAST FINANCIAL HEALTH CHECK?Your life moves forward. Has your finance kept up?A growing family, changing...
17/10/2026

🩺 WHEN WAS YOUR LAST FINANCIAL HEALTH CHECK?

Your life moves forward. Has your finance kept up?

A growing family, changing income or new business goals could mean the lending that worked a few years ago deserves another look.

Our FREE financial health check is a chance to review:

✅ Your current loans, rates and fees
✅ Whether your repayments and loan structure still suit you
✅ Options that could better support your next move

No pressure. No obligation. Just a clear conversation about where you stand.

📩 Message Rose Consulting & Financial Services to book your complimentary check today.

🚜 BIG PLANS NEED THE RIGHT EQUIPMENT.A work ute. A new excavator. Machinery that helps you take on bigger jobs.The right...
16/10/2026

🚜 BIG PLANS NEED THE RIGHT EQUIPMENT.

A work ute. A new excavator. Machinery that helps you take on bigger jobs.

The right asset can move your business forward - but the repayments need to work for your business, too.

At Rose Consulting & Financial Services , we help you explore asset finance options for vehicles, trucks, machinery and equipment, with your cash flow and business goals in mind.

Before you sign for your next purchase, let’s talk deposits, repayments, loan terms and any balloon payment.

📩 Found the equipment? Let’s explore the finance.

Finance is subject to lender approval, terms and conditions.

🏦 YOUR BANK IS CHANGING. DOES YOUR LOAN STILL WORK FOR YOU?With Suncorp Bank becoming ANZ, it’s a good reminder to take ...
16/10/2026

🏦 YOUR BANK IS CHANGING. DOES YOUR LOAN STILL WORK FOR YOU?

With Suncorp Bank becoming ANZ, it’s a good reminder to take a closer look at your lending.

Is your rate competitive? Are you paying for features you don’t use? Does your loan still suit your circumstances?

At Rose Consulting & Financial Services, we can review your current lending and help you understand your options, including whether staying put or making a change makes sense.

📩 Suncorp or ANZ customer? Let’s talk about what’s right for you.

YOUR NEXT BANK REVIEW DESERVES MORE THAN A LAST-MINUTE SCRAMBLE.Running your business already keeps you busy. Preparing ...
08/10/2026

YOUR NEXT BANK REVIEW DESERVES MORE THAN A LAST-MINUTE SCRAMBLE.

Running your business already keeps you busy. Preparing bank applications and managing lender relationships adds another job to the list.

Rose Consulting & Financial Services can assist with bank applications, annual reviews and ongoing relationship management.

With commercial and agricultural banking experience, our team understands the information lenders need and can help you prepare.

Got a review coming up or a new business opportunity to discuss? Get in touch early.

🌐 www.rcfs.com.au

Address

32 Crofton Street
Bundaberg, QLD
4670

Telephone

+61411637003

Website

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