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

A continuation of good rainfalls across the region has extended the quality of the autumn break.


The continuing rains and early pasture growth have been encouraging.
The opening milk prices from processors have been released and are around $6.40 per kg of milk solids. Whilst this is better than what many were expecting there are still reports that operators continue to leave the industry, with the cost of irrigation water being the major driver for this decision.
RFCs have reported that a number of farmers are concerned how Dairy Industry Code of Conduct will affect them.
The Organic Dairy Farmers of Australia Co-operative entered voluntary administration which is causing significant financial stress for its 40 plus supplier members.


A good start to the cropping season with terrific follow up rainfall. Many have referred to this autumn’s start being the best in 40 years. Good rains have continued but have hindered some farmers trying to get the last of their crops in the ground. In some cases, some crops have been re-sown due to being waterlogged. Barley tariffs in China are a talking point & concern for farmers.


Sheep prices are still strong and there has been little negative feedback for this industry.


COVID-19 restrictions have had a severe impact on fruit markets, limiting the usual range of buyers attending the national markets and local farmer markets have not been able to open at all.
Worldwide shut downs are putting a stop to exports leading to added storage costs in the hope of borders re-opening in the near future and exports commencing again. Profitability is declining every day the fruit is stored. A number of RFCs have reported RIC loan enquiry amongst orchardists are growing as word spreads throughout the networks.


The autumn break is seen as positive with on farm dams filling, pasture growing and the early lush green spread across the countryside is bringing hope for a better year ahead. Cattle prices remain strong.


Good rainfall across the region has seen temp water prices continue to fall with some farmers considering their options to purchase water to carry over into the next season. The weighted average price for allocation water in the month of May was $214 with the volume traded being lower than April, driven by a lack of demand due to rain and irrigators perception that prices will go lower into the new season.

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