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.

Weather Conditions

North East regional rainfall is tracking in line with traditional averages. Winter conditions in the west of the service area have been drier than usual, with enough moisture to continue good pasture growth without the bogging and pugging of soils.


The dairy farming community are busy as calving ramps up, long days and tiredness becoming an issue, along with COVID-19 isolation, mental fatigue and mental health monitoring becoming important. With lush pasture in the paddocks, spring calving herds will be kicking the season off well. There are some good opportunities to buy hay from last season at very reasonable prices. With straw at $50/t, this will provide a cheap source of fibre for farmers to utilise to keep their fat test up and help deal with the issues of lush green feed. With continued annual reviews by financiers and dairy stock prices booming, it is promising for farmers accessing other enterprises, scaling up or exiting from the industry. Recently Jersey/cross-bred cows averaged over $2000/hd; and five month heifers brought minimim $1000/hd.


Some areas in the west of our region are showing signs of moisture stress. Canola crops are starting to flower earlier than usual due to moisture stress. Further to the east, most crops are looking good with farmers still actively spraying for weeds and applying urea. At the end of July, further rain is needed in most districts to replenish soil moisture and finish crops. In summary, crop growing conditions are very favourable and yields promising.


Cattle prices remain extremely good. Sheep and lamb prices have softened a little with reports out of Bendigo that demand is patchy with several processors still not active in the market due to COVID-19. Cattle traders are benefiting as they buy in bulk and don’t have the issue of farmers buying a few from each pen. There are reports of livestock farmers having difficulty sourcing cattle and sheep to fatten, at prices that allow for future profitability prospects.


Rural Financial Counsellors continue to see Regional Investment Corporation (RIC) loan activity amongst orchardist.  




July 2019

July 2020 







Temporary water trade (last 7 days)

Goulburn 1A up            $250/ML

Murray Zone 7 up          $355/ML

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