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 03

Deputy Prime Minister and Minister for Agriculture and Water Resources, Barnaby Joyce, said World Water Day provided an opportunity to consider the importance of water to our wealth and way of life.

“Water and agriculture are intrinsically linked, which is why the Coalition Government has put them in the same ministerial portfolio. Agriculture is a key pillar of the Australian economy, which is why I have taken it to the second highest office in the country,” Minister Joyce said.

“The Coalition Government is delivering on the kinds of projects that will help to provide more opportunities to our rural and regional communities, creating jobs, and growing local economies and industries.

“Most Australians are fortunate to have access to plentiful, clean, fresh water at the turn of a tap, but those on the land, who have lived through drought, know better than anyone that water is a precious and limited resource.

“Efficiently and effectively managing our nation’s water resources and strengthening our water security will be vital to our future economic growth and prosperity through expanded agricultural production and more jobs.

“Under the Australian Constitution, primary responsibility for water management lies with state and territory governments but I recognise that this is an area that requires national leadership. This is why the Coalition Government has created the $500 million National Water Infrastructure Development Fund and the $2 billion National Water Infrastructure Loan Facility. The fund and loan facility are in place to incentivise state and territory governments to fast-track priority projects that will support growth in our agricultural industries and regional communities.

“This funding is already kick-starting the planning and delivery of water infrastructure projects across the country, including new and augmented water infrastructure, such as dams, pipelines and managed aquifer recharge projects.

“It’s also vital that we make every drop of this limited resource work harder, so we’re increasing the efficiency of water use wherever we can.

“That is why, through the Murray–Darling Basin Plan, we are making $8 billion available for more modern and efficient water infrastructure on and off-farm, to secure a strong and productive future for the Basin and the communities who live there.

“This government’s nation-building investments in water infrastructure are a legacy that will continue to deliver real benefits to Australia’s rural and regional communities for generations to come.”

Fast facts

  • Australia has an accessible water storage capacity of almost 81,000GL, which is currently around 68% full at 55,000 GL.
  • Under the $500 million National Water Infrastructure Development Fund, the Coalition Government has earmarked capital funding of almost $250 million to fast-track construction of key projects with the potential to deliver big benefits for production, local employment and regional development—including Rookwood Weir in Queensland ($130 million), Dungowan Dam in New South Wales ($75 million), and the Macalister Irrigation District ($20 million) and South West Loddon Pipeline in Victoria ($20 million) and McLaren Vale water storage in South Australia ($2.5 million).
  • A list of the planning studies being funded by the Coalition Government is available at
  • About 70 per cent of the world’s freshwater is used to support agricultural production.


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.

AgBiz Group

ABA logo


AgBiz Care Logo 300

Contact Us

Rural Financial Counselling Service Victoria - North East.

102 Hume Street

Wodonga VIC 3689

PHONE: 1300 834 775


FAX: (02) 6100 6123