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 dairy1

A recent article by Sarina Locke of ABC Rural reported that Rural businesses in dairy farming regions are facing financial hardship as farmers struggle to pay their bills, leaving huge unsecured debts.

As part of her research she interviewed Chris Howard, (RFCC with AgBiz Assist), to gain his perspective on the situation

Chris explained that eligible farmers are able to receive help from the Rural Financial Counselling Service to access government benefits through Farm Household Allowance, and to apply for concessional loans with low interest rates.

The Rural Financial Counselling Service has been helping dairy farmers plan their payments and communicate that plan to local businesses they owe money to.

Chris went on to say that he was concerned about the level of unsecured debt and predicted that some farmers would not be able to survive in the industry and would choose to exit.

The ABC Rural report goes on to say that "... the the trickle-down effect of last year's dairy crisis has been strongly felt in regional towns and local businesses in Victoria and Tasmania.

Some farming families, who were left owing thousands of dollars when processors slashed the milk price and forced them to pay back money, have become reliant on charity handouts.

Rural shops and service providers have been hit hard as farmers' bills have gone unpaid and business plunges into decline as spending dries up ..."

According to figures from government agency ABARES, in the 2016-17 financial year the average dairy farm owed banks $937,600.

Critically however there is no record of the level of unsecured debt owed by farmers to local businesses and suppliers.

You can read the full ABC Rural article at


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