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Rifco National Auto Finance Corp.

Location: Red Deer, Alberta

Sector: Financial

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Rifco provides non-prime automobile loans through its dealership network across Canada. The company provides consumers with financing options on new and used vehicles, and specializes in building long-term partnerships with dealers by investing time in personalized services through dedicated account representatives. Rifco’s quick credit decisions, common sense lending, and expedited funding processes give its dealers better financing options and more closed deals. Rifco’s most successful partnerships resulted in Fast Forward 500 Club status for its loyal dealerships. The company is committed to continuing growth. Key strategies for achieving this growth include the expansion of its automobile dealer base and excellence in credit and collections processes.

Business Documents

MG cp Summary

Size – Rifco is small enough to be nimble and agile to changing market conditions.  Yet, Rifco is large enough to have achieved some scale in operations.


Focus – Being a mono-line auto finance company, decisions are made with a singular focus and not because of results of unrelated operations.


Access to Capital – Rifco has access to active debt facilities of $230 million at terms and rates that are favourable within the industry

Automobile financing as a consumer loan – Additional security associated with personal guarantees, and limited company liability from leasing


Sub-prime program – Small portion of business is sub-prime granted through the use of GPS locating and starter-interrupter devices

William (Bill) Graham, President & CEO

Bill Graham is the President, Chief Executive Officer and Director of Rifco. He also co-founded the Company and served as COO up to June 2004 when he took on his current role. He is also the former President of Proven Leasing Corporation. Prior to Rifco, he spent 3 years as a Business Management consultant specializing in corporate strategies and transitions. In July 2010, Ernst & Young announced that Bill Graham was a finalist for “Entrepreneur of the Year’ in the Professional / Financial Services category for the Prairie Region.


Doug Decksheimer, VP & Chief Marketing Officer

Mr. Decksheimer joined Rifco in April 2005. He brings ten years experience in senior management including expertise in product development, international marketing initiatives, strategic market planning and implementation, reseller training, and education programs. Mr. Decksheimer is a Certified Sales Professional (CSP) as accredited by the Canadian Professional Sales Association (CPSA) Sales Institute.


Warren Van Orman, VP & Chief Financial Officer

Warren Van Orman is the Vice President & Chief Financial Officer of Rifco.  He joined Rifco in 2017. He holds a Masters of Accountancy degree and is a CPA-CA. He joined Rifco in 2017 after an 11-year career in the Alberta Credit Union system, including 7 years as Vice President of Finance for Mountain View Credit Union.  Prior to that he worked in public accounting with KPMG and Deloitte.