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 finance

Department of Agriculture and Water Resources has advised that farm businesses across Australia will be able to save thousands of dollars thanks to a cut in concessional interest rates from 1 February 2017.

The drop comes as part of the Coalition Government’s regular six-monthly review of concessional interest rates.


The interest rate for the Farm Finance Concessional Loans will drop from 3.55 per cent to 3.03 per cent, while the Drought Concessional Loans rate will fall from 3.05 per cent to 2.53 per cent, and Drought Recovery and Dairy Recovery Concessional Loans rate will decrease from 2.66 per cent to 2.07 per cent.

The interest rate for the Coalition Government's new Farm Business Concessional Loans Scheme, which began on 1 November 2016, will remain at 2.47 per cent.

Deputy Prime Minister and Minister for Agriculture and Water Resources, Barnaby Joyce, said reduced concessional interest rates could save farmers with existing bank overdrafts and loans thousands of dollars.

“The Coalition Government has delivered on its commitment to back Australia’s farmers during tough times like drought and severe farmgate milk price cuts,” Minister Joyce said.

“For those farmers trying to recover from drought or the dairy cuts, this reduced interest rate means their decision to refinance using the government's scheme will deliver further savings of up to $5,900 over a year—a substantial saving and real benefit to people.

“Our farmers contribute about $58 billion to our nation's economy. Stronger farm businesses mean a stronger economy. Supporting viable farm businesses to better manage through drought and hardship is firmly in our national interest.

“So far more than half a billion dollars in concessional loans have been approved to more than 1,000 farm businesses nation-wide.

“The Coalition Government has also just launched the new $250 million Farm Business Concessional Loans scheme, which brings together the differing loans products, drought assistance concessional loans and dairy recovery concessional loans under a more flexible package.

“The government will be providing these loans at an initial variable concessional interest rate of 2.47 per cent for a maximum term of 10 years. Interest-only repayments are available for the first five years of the loan term, with principal and interest repayments for the next five years.

“Adjustments to the concessional interest rates are made in accordance with material changes to the Commonwealth bond rates.

“One farm business I know of in Queensland took out a $1 million Drought Concessional Loan and is saving around $33,300 in interest a year as they were paying around 6.35 per cent in interest with their commercial lender—that’s $33,300 a year going back into that business and $166,500 over the five-year loan term.

“Today's announcement means that from 1 February 2017, that business will save a further $5,200 over a full year.

“The government has responded decisively to the drought and dairy situation, and delivered responsive, effective and genuine assistance where it is needed on the ground.

“The government’s concessional loans schemes provide farmers with access to finance at lower interest rates to help them get through tough periods and give them a chance to rebuild their businesses.

“The government continues to deliver farm-strengthening initiatives from the $4 billion Agricultural Competitiveness White Paper, including making $2.5 billion in concessional loans available over the next 10 years.”

For more information regarding concessional loans, visit 


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