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 02

In a recent media release from Agriculture Victoria titled "Keeping our fruit industry moving forward" they have reported that.

"...Attracting, developing and keeping skilled people within fruit growing businesses is an ongoing challenge.

The Goulburn Valley fruit industry and stakeholders met recently at the Skilled Workforce Solutions for Horticulture Forum, to discuss skilled workforce development and the ongoing needs.

Fruit Growers Victoria Chairman Mr Gary Godwill said the forum highlighted the importance to develop a consistent vision and strategy for skilled workforce development, in order to address the challenges being experienced on many farms.

"To capture existing growth opportunities, the region needs to address current challenges, including - an aging workforce, declining interest in studying horticulture, and the advancement of technology which requires a different skillset," Mr Godwill said.


A recent study by the University of Melbourne, in partnership with Agriculture Victoria, to gain a better understanding of the issues affecting the ability of Goulburn Valley perennial fruit industry businesses to attract and develop appropriately skilled workers.

The study highlighted typical workforce structures and implications for understanding recruitment and career pathways.

It also identifies the industry's preference of internal recruitment pathways is not sustainable, and effectively maintaining a workforce that meets business needs relies on both internal and external recruitment.

There needs to be a regional industry approach to enhance the availability of career paths, including linking with the training sector to ensure industry relevance.

The recent forum offered a constructive environment to discuss the priorities and explore practical actions through the insights and lessons of other skilled workforce development in other states, industries and businesses, including:

  • Growcom - Michelle Templin presented on Queensland Agricultural Workforce Network (QAWN) overview and lessons learnt
  • Horticulture Innovation Australia - Sharyn Casey presented on the national horticultural workforce and engagement programs
  • University of Melbourne - Ruth Nettle discussed the dairy industry's skilled workforce experience and lessons from workforce development officers
  • Jeftomson - Brent Reeve gave the perspective from a Goulburn Valley fruit growing business internship program.


Mr Godwill said the approach needs to be collaborative, and with more than forty participants in attendance this should be possible, with a committee to meet twice over the next three to six months, to progress priorities. 

Participants included Goulburn Valley Partnership members, and representatives from Regional Development Australia, Apple and Pear Australia Ltd, Summer Fruit Australia, local councils, Committee for Greater Shepparton, GOTAFE, Department of Education and Training, University of Melbourne, plus individuals from the fruit industry..."

Continue reading the full press release here

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