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.


Water prices have increased and this is paired with reduced allocation.
Feed costs have continued to increase and feed is now extremely difficult to source in the wake of so much being sent to NSW and QLD.
The Alpine Valleys saw some rainfall which stimulated pasture growth and enabled topdressing. Minimal rainfall in the Goulburn Valley has heightened dairy farmer anxiety.
On a positive note, milk production appears to be reasonable given seasonal conditions.
Saputo has paid out the final 40c as part of the final asset sale.


Significant rainfall is required to take crops through to harvest and with a shortfall, crops will not make grain and will be cut for hay. Much of this hay would be below export quality and will be sold on the domestic market.
The current poor prognosis for crops is amplified by a series of frosts in late August which may further reduce overall yield. A number of canola crops are already being cut for hay.
Compounding these challenges is the higher than normal kangaroo and deer populations foraging and accessing water.


A strong sheep economy has seen some farmers change from beef to sheep to capitalise on this growth.
Overall, sheep are doing well with high wool and fat lamb prices.
A number of farm dams are nearly empty with August being the seventh consecutive month of below average rainfall across most of Eastern Australia.


The cattle market is varied. Drought cattle are coming into the region and prices are reflecting their poor conditions. There are very few long term fatteners operating in the market as most have little pasture to offer and fodder prices have climbed as hay continues to leave Victoria for NSW and QLD.
Good trade quality cattle are back about $200 on earlier this year but are still being sought by feedlots.
Export quality cattle are still in demand as the A$ continues to fall.


Poor prices continue across horticultural crops, however the industry is still investing in technology to secure its future.
After a small loss this financial year, Coca cola-Amatil has announced another strategic review of SPC in Shepparton.


Storage levels:
                          THIS YEAR        LAST YEAR
                             (% full)               (% full)
DARTMOUTH            89                     82
HUME                        52                     90
EILDON                     65                     70

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