We are here from start to finish guiding you through every part of the process.
S3F group is the result of a merger of several businesses most notably Healthy Lending, RTF Finance, and Consulate Finance.
We cater for specialist niches in the medico industry, including pharmacy and optometry. We are also specialists in childcare as well as the hospitality industry; particularly clubs and pubs.
This combined with over 30 years experience in the transport industry and over 100 years of combined finance experience; the S3F group can cater for all your financial needs.
The S3F Group are your financial concierge. We can assist you with structuring a financial solution that meets your individual personal or business requirements
With over 56 years experience in finance between the directors we bring a broad range of experiences and a practical approach to finance. Plus a further 37 years in business to Business Management and consulting
If you run a business in any of these industries, we can help you:
Property & Finance
- Real estate
- Property management
- Accountancy
- Financial planning
Hospitality
- Clubs
- Pubs
- Restaurants
Other
- Childcare
Law
- Law
Conveyancing
Healthcare
- Medicine
- Dentistry
- Veterinary
- Pharmacy
- Optometry
- Physiotherapy
- Chiropractic
- Podiatry
How we can help you
S3F Group can help you solve these problems:
- Starting a new business
- Buying another business
- Investing in equipment
- Purchasing a commercial property
- Fitting out your premises
- Refinancing your existing loans
- Increasing your working capital
We work with more than 30 lenders and offer:
- Business loans
- Commercial property loans
- Refinances
- Commercial hire purchases
- Finance leases
- Chattel mortgages
- Insurance premium funding
- Novated or operating leases
- Invoice and trade finance
The top 5 reasons clients say they value S3F Group
1
Specialise in business finance
2
Have incredible industry knowledge
3
Solve tricky problems
4
Provide clear communication
5
Move fast
To discuss your scenario and your options
We can assist you with everything for your finance requirements from start to finish guiding you through every part of the process.

HOME LOAN
Our speciality is helping securing
funding for first home buyers or, if
you're looking to buy a new home,
we can help with that.
We can also assist you in obtaining
the finance for your first
investment property or your tenth
investment property.

ASSET FINANCE
Do you need a new car either for
business or personal use. We can
take the stress out of that by
having your finance approved and
ready to go for when you go
searching for a car. We can also
refer you to a car buying service
that could save you time and
money on the purchase of your
new vehicle.

HEALTH INDUSTRY FINANCE
Are you a doctor, dentist, pharma-
cist, optometrist, physiotherapist,
chiropractor, podiatrist, veterinari-
an looking to purchase either new
premises, new business or practice
or compete a fit-out or in need of
new equipment, we can help you
arrange any of these around your
cash flow.

CLUB & HOSPITALITY FINANCE
S3F Group has been financing clubs, pubs and restaurants since 2000. We’ve seen every scenario and dealt with every problem that exists.

PROFESSIONAL
SERVICES LOANS
We also specialise in professional services such as accountants, financial planners and law partner- ships as well as real-estate busi- nesses.

HOME LOAN
Our speciality is helping securing funding for first home buyers or , if you're looking to buy a new home, we can help with that. We can also assist you in obtaining the finance for your first investment property or your tenth investment property.

ASSET FINANCE
Do you need a new car either for business or personal use. We can take the stress out of that by having your finance approved and ready to go for when you go searching for a car.We can also refer you to a car buying service that could save you time and money on the purchase of your new vehicle.

PROFESSIONAL
SERVICES LOANS
We also specialise in professional services such as accountants, financial planners and law partner- ships as well as real-estate busi- nesses.

HEALTH
INDUSTRY FINANCE
Are you a doctor, dentist, pharma- cist, optometrist, physiotherapist, chiropractor, podiatrist, veterinari- an looking to purchase either new premises,new business or practice or compete a fit-out or in need of new equipment, we can help you arrange any of these around your cash flow.

CLUB & HOSPITALITY FINANCE
S3F Group has been financing clubs, pubs and restaurants since 2000. We’ve seen every scenario and dealt with every problem that exists.
The S3F Group are a group of experienced Finance professionals who have come together to create a holistic end to end finance solution for all your personal and business finance needs.
THE S3F GROUP IS A BOUTIQUE FINANCE BROKERAGE WITH OFFICES IN SOUTH WEST SYDNEY, THE HILLS DISTRICT AND THE CENTRAL COAST.
Our team of Finance Professionals have over 50 years combined experience in all facets of Banking & Finance.
The S3F Group offers a suite of products and services to provide our clients a complete 360 degree finance solution;
tailor made based on their individual needs.
Our mantra is simple:
Become the trusted advisor to our clients;
Provide exceptional, superior customer service and provide ongoing advice and service beyond your first transaction.
WE'LL HELP FIND THE RIGHT HOME LOAN FOR YOU
We help you compare hundreds of home loans from more than 30 lenders.
Our loan applications are tailored to our clients specific needs.
We value our clients and their finance requirements. You aren’t just a number to us.
SOME OF OUR SERVICES INCLUDE
01. Home & Investment Loans (Refinances Too)
- Every lender has a certain policy along with its own strength a weakness. We use our knowledge & experience to make getting a home or investment loan easier & less stressful for you.
02. Commercial Lending
- If you are business owner and looking to secure any sort of finance to help you grow your business, we have got 56 years of industry experience to help us find a solution for you.
From purchasing a Pharmacy to purchasing a commercial property, we can help with that.
03. Vehicle and Equipment Finance
- Looking to purchase a new car? Or maybe a new piece of machinery? Regardless if you are looking for a consumer loan or a chattel mortgage, we can help. We can also assist you with Equipment finance, maybe a tractor for your hobby farm?
04. SMSFLoans
- We can work side by side with your financial planner & accountant or refer you to one of our trusted partners to assist with the process of purchasing property within your superannuation Fund.
We have got access to a panel of lenders who are interested in lending to Self-Managed Super Funds
WHAT OUR CLIENTS HAVE TO SAY
- The team at Strategic 360 Finance are fantastic to work with. They're very knowledgeable, friendly and offer a diverse range of expertise within their team. Have seen them provide outstanding results time and time again! Strongly recommend them.READ MOREREAD LESSEmma AllenFriendly staff, great communication. Thanks for your help and assistance Sam.READ MOREREAD LESSTracey MontesinJosh from S3F Group is a very professional individual. Incredibly prompt and precise. We are very happy with the way our home loan was arranged.READ MOREREAD LESSSips
- Special thanks to Josh Woodhouse at S3F for working with us to ensure we got the finance we needed. He must be commended on his professionalism and timeliness, we can't thank him enough.READ MOREREAD LESSJoshua ScottFantastic support and guidance from Josh. Josh was on top of everything at all times, we were never waiting for answers. Josh made everything easy and simpleREAD MOREREAD LESSandrew yelvoExceptional service. Josh’s knowledge and expertise is incredible. he was extremely professional and communication was excellent along every step of the way. Josh was always available to answer any questions we had and made our experience stress free.READ MOREREAD LESSLachlan Donnelly
- Acquiring finance for our first home was seamless with the help of Josh from Strategic 360 Finance. My partner and I were fortunate enough to purchase our first home working with Josh who ensured all our questions were answered and made the experience so memorable. A few factors in our situation would generally make what we needed quite tricky but with Josh’s knowledge, support and experience the process was seamless. We would recommend Josh to anyone who wants full support and transparency throughout the process of gaining a home loan.READ MOREREAD LESSKieren TurnbullJosh is meticulous and goes above and beyond for his clients. He has been extremely helpful and has made navigating everything a lot more manageable.READ MOREREAD LESSHarrison WebbSuch great service. Always on top of what’s next and kept us in the loop with everything. Answered all our questions clearly and promptlyREAD MOREREAD LESSDavid Blackburn
- Josh is friendly, knowledgeable, reliable and available. Everything you need in a broker and more! Who knew the process of obtaining finance could actually be enjoyable!READ MOREREAD LESSRhiannan CantoWe have used Sam a couple of times now and would highly recommend him. We are extremely happy with his service and his communication is fantasticREAD MOREREAD LESSSandra PattersonAmazing and quality service Josh was my broker for purchasing my first home. Being new to the market and not knowing much about purchasing a property, Josh was able to explain the process in a way I could understand and happily answered any questions I had. He would answer questions, provide reassurance and assist me not only during business hours, but after hours and on the weekend too if needed. He is very patient and I wouldn't have been able to purchase a house without his help! Would absolutely recommend him to anyone!READ MOREREAD LESSNichayla Palme
- Sam Zammit got us a great deal on our loans and it was a very smooth easy process. Highly recommended.READ MOREREAD LESSGary MontesinFantastic service! Josh worked very hard to get us a great result for our recent purchase. He was very quick to respond to all our questions and guided us through the whole process with ease.READ MOREREAD LESSJenny PreciansHome Loan Establishment and Approval. Josh was great to deal with whilst applying for our home loan. This was during a difficult time in September 2022, around the time the cash rate began to increase. Josh was great in keeping us updated and doing everything he could to make it a seamless process. Thanks!READ MOREREAD LESSMitchell Pitman
- Josh was wonderfully helpful, and very responsive to all our queries. I couldn't recommend him highly enough.READ MOREREAD LESSKate FlahertyGreat guy, super helpful. We were very happy with our experience and have been recommending to all our friends d's and family who are thinking about buying or refinancing.READ MOREREAD LESSRussian BanditAbsolutely first-rate and flawless service from Josh Woodhouse and his team at S3F Group. Josh assisted us to secure an excellent financial product perfectly suited to our needs. Seamless and secure onboarding, followed by candid, clear, expert and timely advice. Couldn't ask for better. Highly recommended; will absolutely utilise S3F services again in future. Our thanks again, Josh.READ MOREREAD LESSNicholas Cobb
- Josh did a fantastic job in getting my Mortgage refinanced, he was very friendly, professional and most of all successful. I have absolutely no hesitation in recommending Josh and his team. Thanks Josh.READ MOREREAD LESSSam DysoJosh’s expertise in his field was clearly evident in each interaction. He ensured we received the most up to date information and guided us through the loan process every step of the way. He was always available to answer any and every question we had and always took the time to ensure we understood our options. He truly went above and beyond and we cannot recommend him highly enough, especially for first home buyers. We look forward to working with him again on our next purchase.READ MOREREAD LESSMarisa BProfessional, Reliable and Refreshing! Josh was an absolute pleasure to do business with. He would always go above and beyond to ensure our needs were met, answered any questions in a timely manner and would think outside the box to exhaust every opportunity in order to meet our requests. I would highly recommend Josh to anyone that needs financial advice, and we will continue to use his services for any future business. Thanks Josh for your professionalism, personalised service, and being all-round top bloke!READ MOREREAD LESSRebecca Jenner
- Josh was recommended to us by a friend. We had an initial meeting with Josh to make sure it was a good fit. Josh listened to our needs and was able to present us with a number of options. I had a few questions about things I didn’t fully understand and Josh was able to explain. He always took the time explain and provide options. We refinanced our mortgage in a very hassle free way. All the stress and dealing with bank directly was taken over by Josh. Highly recommend.READ MOREREAD LESSIlka DavidsonScott has been amazing throughout my pharmacy purchase. I’ve been speaking with Scott for years before finally securing a business. Throughout the entire process not only did he ensure that everything went smoothly, he was always a great ear to talk to when I needed help or advice on anything else. He also re-financed my home loan, and got me a better rate I wouldn’t hesitate recommended him to anyone and everyone. I don’t know how I would have got through the purchase process without his support.READ MOREREAD LESSEmma BissakerJosh was absolutely excellent when it came to helping us secure our first home loan. Nothing was ever too difficult and no question was ever too silly. Josh made us feel comfortable and supported throughout the whole process, allowing for a smooth and easy process. His efforts are so appreciated by us. We know that any future dealings we have with Josh, he will be the most professional and helpful he can be. Thank you again to Josh and the team at Strategic 360 Finance! Kind regards, Rachael and JonREAD MOREREAD LESSRachael Armour
- Strategic 360 Finance provided unequalled service and professionalism, in particular my experience with, Josh. He was always readily available and happy to help at anytime, offering the best rates and service. If you're looking for a finance specialist or advice I highly recommend Strategic 360 Finance!READ MOREREAD LESSLuke JennerJosh was absolutely amazing in helping us achieve our first home loan. He was very helpful in breaking down terminology, and helping us understand the differences between each option. He frequently told us what to expect, explaining each step along the way and always kept us updated. 100% would recommend Josh as a broker.READ MOREREAD LESSSamuel SimVery professional and knowledgeable . I was a first home buyer and Josh was very knowledgeable and took the time to explain the process. He’s also very professional and there when you need him. Would recommend and use again!READ MOREREAD LESSAndrew Moussa
- Scott has been invaluable in obtaining financing for the purchase of my optometry practice. He gives practical advice and sets realistic expectations on timeframes and outcomes. His strong work ethic and experience in the industry were an immense asset during the financing process. My lender was quite impressed with the detail and quality of Scott's work. Thanks for your continued help and expertise, allowing me to grow and prosper my practice!READ MOREREAD LESSGeoff DemareSam is an incredible broker who goes above and beyond to ensure you have all the information and make the best choices for you in a professional and friendly manner! Highly recommend SamREAD MOREREAD LESSJessica HebbGreat service level, proficient and customer focused. Josh Woodhouse provided great service level helping us get the best financial outcome for our sale, new house purchase and loan requirements meeting all critical deadlines to ensure process was simple and smooth. Great communicator and customer focused. Highly recommend 🙂READ MOREREAD LESSCraig Warren
Get in Touch with Us and Let's Find The Right Finance Option For You!
Call us to discuss your options
contact us on (02) 8745 8847 or info@s3f.com.au, or fill in this online form.