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.


Some north east areas have experienced timely rainfalls resulting in pasture growth, however this is an isolated occurrence with most areas experiencing poor and very dry conditions.
There is a shortage of organic grain required for certified organic dairies and this is generating concern around continued certification.
On 25 September Saputo announced a step up of 20c to $5.95/kg MS. This payment is applied from the retrospective date of 1 July.


Crops continue to suffer from lack of rain and many are being harvested for hay. Yields per hectare are low and quality is compromised. Many canola crops have been cut for hay due to poor quality or outright failure. As expected, irrigated crops are certainly far superior to non-irrigated.
Some wheat crops under irrigation are doing well. These are crops that received rainfall and avoided frost damage. A proportion of crops are on target to harvest, replenish seed stocks and supply the market.
Other areas lack rain however, and subsoil moisture has limited grain production in all areas. These crops did not recover from the August frosts and many have been baled for hay.
Some crops have been sold as standing silage. In other instances crops have been grazed directly.


Whilst prices have slowed a little, the market remains strong, both for fat lambs and wool.


Northern Victorian cattle sellers are trucking stock to Traralgon and Packenham to chase possible store buyers, therefore higher prices. The local markets are flat with reduced buyer attendance and a number of NSW drought cattle being presented.
Sale numbers at Shepparton were down with mixed quality. Prices for better quality export cows were down and trade cattle prices were stable.


Storage levels:
                          THIS YEAR        LAST YEAR
                             (% full)               (% full)
DARTMOUTH           85                     85
HUME                        51                     89
EILDON                     63                     73

September was the second driest on record for Victoria. Future modelling suggests dry conditions are set to continue or worsen as the anticipated El Nino gains momentum. Many dams are now nearing empty.

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