

SMALL BUSINESS FINANCIAL COUNSELLING SERVICE
The Small Business Financial Counselling Service (SBFCS) Southern Queensland provides free, impartial and confidential planning and support services to businesses located in the Southern Queensland area.
Different support is available to businesses depending on their location:
- Rural and Regional Queensland
- Metropolitan Brisbane, Gold Coast, Sunshine Coast, Hervey Bay, Yeppoon and surrounding areas.
If you’ve been affected by flooding, visit Helping small businesses recover from flooding.
RURAL AND REGIONAL QUEENSLAND
Free, impartial and confidential planning and support services are available to small businesses who:
- have been impacted by drought, COVID-19 or bushfires
- are experiencing or at risk of financial hardship
- are located in Rural and Regional Queensland.
The focus of this service is to empower small businesses to engage in strategic business and financial decision-making that encourages improvements in their financial situation. Support may be provided on either an ongoing basis or to access other Government programs or assistance as required.
HOW WE CAN HELP
Our local small business specialists can come to your business and help you:
- improve your understanding of your businesses financial position
- analyse the benefits and drawbacks of different options to manage financial issues
- develop of budgets and cashflow forecasts
- assist you with creditor negotiations
- access dispute resolution services
- understand your rights and accessing broader professional advice and support, and access government and community grants, programs and assistance schemes.
Our team of qualified Small Business specialists provide discreet support when challenges arise. By engaging with us early, such as when cash flow first starts to get tight, we can help you get the best results. However, we can also help you at later stages of your business journey. For further information, or for a confidential introductory chat, please contact your local Small Business Financial Counsellor.
METROPOLITAN BRISBANE, GOLD COAST, SUNSHINE COAST, HERVEY BAY, YEPPOON AND SURROUNDING AREAS
Free, impartial and confidential planning and support services are available to businesses who are:
- experiencing or at risk of financial hardship as a result of COVID-19
- located in metropolitan Brisbane or the coastal tourism hubs.
The focus of this service is to provide support in a coaching or mentoring capacity via the completion of a risk assessment to assess the current and future sustainability of the enterprise.
HOW WE CAN HELP
Our local small business specialists can come to your business and help you:
- complete of financial analysis consisting of annual cashflow budget/s, statement of assets and liabilities, cashflow analysis and options for business improvement
- when appropriate, assist you to negotiate arrangements with your financial institutions
- encourage you to seek professional advice to develop longer term strategies and plans to improve your preparedness
- refer you to a network of professional service providers for advice with legal, accounting and financial planning and investment matters and social and welfare matters.
If your business has been impacted by COVID-19, whether that be government restrictions, border closures, cessation of cashflow support programs or other impacts, a local small business specialist is here to assist. For further information, or for a confidential introductory chat, please contact your local Small Business Financial Counsellor below.
OUR SMALL BUSINESS TEAM
Our Small Business Financial Counsellors are located throughout the southern Queensland area:

SHARON KINGSTON
CENTRAL QUEENSLAND
Supporting Livingstone, Rockhampton, Banana, Gladstone, Central Highlands and surrounding areas
Yeppoon office
0436 122 381
sharon.kingston@rfcssq.org.au

HELEN SCHIROK
WIDE BAY / BURNETT
Supporting Gympie, North Burnett and South Burnett
Murgon office
0437 292 848
helen.schirok@rfcssq.org.au

KYLIE RADFORD
SOUTH EAST QUEENSLAND
Supporting Sunshine Coast, Noosa, Brisbane and surrounding areas
Sunshine Coast office
0429 525 406
kylie.radford@rfcssq.org.au

JODIE TERZIS
SOUTH EAST QUEENSLAND
Supporting Gold Coast, Brisbane and surrounding areas
Gold Coast office
0436 099 098
jodie.terzis@rfcssq.org.au

FELICITY SANSOM-GOWER
SOUTH EAST QUEENSLAND
Supporting Gold Coast, Brisbane and surrounding areas
Gold Coast office
0491 259 658
felicity.sansom-gower@rfcssq.org.au

PENI USUMAKI
SOUTH EAST QUEENSLAND
Supporting Logan and Brisbane South
Logan office
0492 354 027
peni.usumaki@rfcssq.org.au

ANDREW FORBES
SOUTH EAST QUEENSLAND
Supporting the Ipswich region
Ipswich office
0455 220 547
andrew.forbes@rfcssq.org.au

NICHOLAS HESS
DARLING DOWNS
Supporting Toowoomba and the Darling Downs region
Toowoomba office
0467 933 234
nicholas.hess@rfcssq.org.au

AMANDA MAURICE
DARLING DOWNS / SOUTH WEST QUEENSLAND
Supporting Western Downs, Maranoa and surrounding areas
Chinchilla office
0436 006 783
amanda.maurice@rfcssq.org.au
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