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 ...

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Growth in Australia's agriculture sector continues to smash records, with the gross value of Australian farm production is forecast to reach $63.8 billion in 2016–17, and farm cash income for Australian broadacre farms is projected to average $216,000 per farm in 2016–17.

Acting Prime Minister and Minister for Agriculture and Water Resources, Barnaby Joyce, said the results, revealed at the 2017 ABARES Outlook Conference today, reflected the hard work of Australia's farmers and the Coalition  Government's willingness to back the sector

"This government has a vision for a productive and profitable agriculture sector, and from day one we have worked hard to back our farmers with practical policies and genuine investment—including the $4 billion Agricultural Competitiveness White Paper—and new trade opportunities, such as those delivered by free trade deals with China, Korea and Japan," Minister Joyce said.

"The gross value of agricultural production is forecast to hit a record $63.8 billion in 2016–17; real net farm cash income is estimated to have been $25.7 billion in 2015–16, well above the 20-year average to 2014–15 of $15.6 billion; and broadacre farm cash incomes at the national level are estimated to be the highest for twenty years, averaging $216,000 a farm.

"Under this government, the total value of Australian farm exports has now increased for six consecutive years in nominal terms, up $10 billion dollars from $38.2 billion in 2012–13 to a forecast $48.7 billion in 2017-18.

"In the latest National Accounts figures, agriculture contributed 0.5 percentage points to the Australian economy's 2.4 per cent year on year growth to the December quarter 2016. This was the largest contribution among all 19 sectors of the economy.

"And I know that with the right policy settings and programs in place, the sector still has massive potential to grow and deliver even bigger results as an economic powerhouse for our nation.

"That is why as Agriculture Minister I will continue to work tirelessly to position the sector to capture opportunities and reach its full potential."

Minister Joyce spoke at the 2017 ABARES Outlook Conference, where the March 2017 edition of Agricultural Commodities was released. Australia's leading forum for public and private decision-makers in agriculture, Outlook marks its 47th annual conference this year with expert analysis of innovation in agriculture.

Fast facts:

  • Export earnings from farm commodities were forecast to reach a record $48.7 billion in 2017–18, topping the $47.7 billion forecast in 2016–17.
  • Beef prices have nearly doubled in real terms over the past three years to levels not seen since the late 1970s. Lamb prices have also been growing strongly, increasing by around 40 per cent over the past four years.
  • Farm cash income for Australian broadacre (cropping, beef and sheep) farms is projected to average $216,000 per farm in 2016–17, the highest recorded in the past 20 years.
  • Average farm cash income is forecast to rise 25 per cent for cropping farms to $398,000 per farm in 2016–17; 27 per cent for sheep farms to average $133,000 per farm; and 2 per cent for beef farms to average $163,000 per farm.
  • The gross value of crop production is forecast to increase by 20.2 per cent this financial year to $33.9 billion, following record production of wheat and barley.
  • The gross value of livestock production is forecast to increase by 4.4 per cent to $31.2 billion in 2017–18.​


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