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.


Dairy Australia continues to offer a range of support measure to their dairy farmers.
The hot weather in late December saw a drop in milk production, as expected for this time of the year. Supplement feeding increased in lieu of slowing pasture growth.
Chopper prices remain steady as farmers continue to cull low quality or non-performing cows. Clients are reporting there is a three week waiting period to cull cows.
Organic fodder remains difficult to source and all fodder is expensive for farmers to purchase.


Substantial areas of crop and pasture continued to be cut for hay and silage throughout November. Parts of the north east had good rainfall after the first hay cut which has enabled additional grazing or second cuts.
Grain harvests have commenced and non-irrigated grain is expected to be small and pinched. Forecasts are that yields will be around 25% of the average.
December rainfall was a hindrance for croppers undertaking harvest activity.


The EMI dropped to 1858c/kg at the end of November with the expectation of a rise for the final sales of the year.
Lamb prices steadied after fluctuations earlier in the month. The National Heavy Lamb indicator was down to 688c/kg carcass weight (cwt) (MLA).


November saw mixed results at the Shepparton Saleyard. As usual, good, well-fed cattle sold well. There were reasonable numbers of export quality stock, together with a very high number of cows offered. The market saw large yardings of Friesian steers. Trade cattle were of mixed quality.
Yardings remained mixed in December with challenging conditions prevailing.


Poor prices continue across the industry, however there has been some positive signals for apples.
Growers have reported that, despite having irrigation water available, the dry winter and spring made for unfavourable growing conditions for some varieties of fruit.


Some stormy weather resulted in Corryong, Dartmouth Reservoir and Falls Creek Rocky Valley all receiving good falls. Mid December rainfall was widespread and helpful for pasture. The foothills to the east of Wangaratta experienced the largest deluge with a number of reports exceeding 200mm at Eldorado, Everton and Beechworth. There was extensive damage to fencing, roads, tracks, creek frontages and paddocks as well as both public and private bridges. Tarrawingee experienced most damage.
Whilst the rain was useful for pasture and summer crops, it flattened dry feed and removed ground cover.


December 2018

Water System                 High Reliability Water Share                   Low Reliability Water Share
Murray                                             100%                                             0%
Broken                                              30%                                              0%
Goulburn                                           93%                                              0%
Campaspe                                         100%                                             0%
Loddon                                             93%                                              0%
Bullarook Creek                                  100%                                             100%

Source: Goulburn Murray Water


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