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

Some more frequent monthly rainfall certainly lifted farmer spirits for the autumn break and hopes of a more normal seasonal rainfall and conditions.


Recent rain has increased optimism for a good season ahead, and has allowed some farmers to plan autumn sowing and spreading. The demand for fodder has reduced markedly, with paddocks greening up and hope of a good autumn ahead. The temporary water price has dropped markedly, however even at $400/ML, it is uneconomic for watering pastures.
The farm gate milk price is currently solid, however the longer term outlook is not at the moment. This forecast milk price has been seen to change pretty quickly though, as global forces act.
The COVID-19 impact on dairy farms appears to be minimal, except that glyphosate has been difficult to source for some farmers, and finding transport can also be challenging.


The early autumn break has been very welcomed by croppers, as this has topped up the soil moisture profile in most areas. A follow on large emergence of summer weeds has resulted, and therefore farmers have been busy spraying paddocks.
Input prices will be on higher side and RFCs have heard reports of panic buying of fertiliser. However there has been a helpful drop in the price of diesel.


The traditional hot March of recent years did not materialise and pastures have responded very well to the widespread and significant rainfall in many areas. The high rainfall totals close to foothills has been very welcome, creating the best autumn break for years, with sufficient dry feed for current needs. The prices for sheep are still looking very good. So there is significant optimism for coming season.


Many grape growers have had their grapes affected by smoke taint from the bushfires and will have little to no produce as a result. The RFCS has been assisting a number of viticulturists accessing grants to help them recover from losses caused by the smoke.


The beef price continues to be high for quality stock. RFCs have reported that graziers are concerned about saleyards being closed due to COVID-19.


The allocations for the Murray and Goulburn systems are 66% and 80% respectively. Currently the systems are tracking on dry to below average conditions.

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