What we do

Rural Financial Counselling Services are:

  • Free, independent and confidential
  • Staffed by qualified and experienced Rural Financial Counsellors (RFCs) who understand farming and business – our RFCs are required to have a Diploma of Financial Counselling as minimum qualification, and have years of experience in assisting farming businesses
  • For primary producers of livestock, milk, honey, fruit, crops, wool, meat, vegetables, eggs, fish, plants, trees and logs
  • For small businesses who mainly support primary production such as: fencing, shearing sheep, controlling weeds or agricultural pests, managing stock, planting crops etc.
  • Able to assist farm or small agribusinesses experiencing or at risk of financial hardship
  • Able to come to your place of business or you can come and see us.

Assistance when

Rural Financial Counselling Services can assist businesses affected by:

  • Drought/water issues
  • Low commodity prices
  • Natural disasters
  • Structural adjustment
  • Industry downturns
  • Low equity/tight cash flow
  • Difficulties with lenders or access to finance
  • Unpaid creditors/debtors
  • Market disruptions
  • Changes in personal circumstances
  • Farm accidents or illness
  • Share farming/succession agreements/ contracts.

How can we help you

Rural Financial Counselling Services can help you:

  • Understand your financial position and the viability of your enterprise
  • Identify options to improve your financial position
  • Develop a plan to implement your chosen options, and implement that plan
  • Provide information, referrals, and support to access, government or industry grants and programs
  • Assist you to deal (whether through meetings or otherwise) with lending institutions in relation to:
    • Applications and contracts with those institutions; and
    • Processes relating to farm debt mediation
  • Assist you to identify the need for advice from professional service providers, and provide support with preparation for meetings with professional service providers.


NE Regional Soil Health Conference

NECMA conference

North East Regional Soil Health Conference - 14 May 2021 at Beechworth is for ALL land managers, agriculture industry groups and soil health service providers in North East Victoria.
Read more ...

Farm Finance getting prepared 2021 Webinar

Farm Finance

The team at the Young Farmer Business Network have put together a series of sessions designed to build skills in financial planning and business resilience for your farm business.
Read more ...
blog rru
Regional Round-up is a monthly newsletter providing an overview into the environmental and business conditions affecting farmers and rural businesses in the Goulburn Valley and North East Victoria.

Communities across the Upper Murray and north east valleys are in various stages of the “recovery process” following the extensive fires and localised flash flooding that occurred during January and February.
RFCs have been supporting enquiries from individuals looking for support and assistance with the various grants and other financial assistance measures available to the fire affected communities. The $75,000 Bushfire Recovery Grant for farmers whose property was burnt has been extended to include grape growers who were not directly impacted by fire, but have had their grapes tested and deemed to be affected by smoke taint.


Recent widespread rainfall has reduced pressure for many and lifted confidence. The rain has also reduced general demand for fodder and therefore fodder prices have dropped, which is helping cash flows.
Those who own their own water generally appear to be more positive about the coming season and some are looking at expanding their businesses. There are dairy farmers still seeking support/guidance on investigating options for the future. Options vary from exit, ways to increase on-farm cash flow, and in some cases buying more land to increase number of milkers.
Dairies with higher levels of debt are struggling to obtain additional finance from the big banks. This has been seen to hamper short term plans to invest in necessary inputs such as seed, fertiliser and the purchase of cows.


February rainfall has helped improve soil moisture in many areas, however has also caused emergence of summer weeds which need to be dealt with soon.


Lambs continue to return high prices on quality stock.


Many grape growers have had their grapes affected by smoke taint.


Cattle prices remain very good, believed to be caused by restocking in other areas of the country. This is allowing farmers to compete with high input costs such as fodder. The February rainfall events have provided much relief for many areas, particularly close to the hills. Some areas received excellent falls and dams have been filled and emergence of summer grasses have provided a good green pick for sheep and cattle.
Hill areas with high stocking rates and little ground cover have experience considerable erosion in many areas as a result of February rainfall. These areas will take a lot longer to recover and provide good pasture growth.


The Goulburn system continues to track at average to dry and estimated allocation will be around 75%.

Service Area Map

rfcs vic ne region map

Local Government Areas

The RFCS VIC-NE Region includes the following Local Government Areas;

  • Alpine
  • Benalla
  • Campaspe
  • Greater Shepparton
  • Indigo
  • Mansfield
  • Mitchell
  • Moira
  • Murrindindi
  • Strathbogie
  • Towong
  • Wangaratta
  • Whittlesea
  • Wodonga

Call 1300 834 775 to find out what assistance we may be able to provide you, or make an appointment with one of our experienced Rural Financial Counsellors.

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Contact Us

Rural Financial Counselling Service Victoria - North East.

102 Hume Street

Wodonga VIC 3689

PHONE: 1300 834 775


FAX: (02) 6100 6123