Rural Financial Counselling Service

The  Rural Financial Counselling Service (RFCS) offers free and independent financial information, options, decision-making support and referral services to primary producers and small, related rural businesses experiencing, or at risk of, financial hardship. The RFCS is co-funded by Commonwealth and state Governments and has been operating since 1986.

The Rural Financial Counselling Service Program aims to:

  • transition clients out of financial crisis
  • improve clients’ business profitability or facilitate a dignified exit
  • improve clients’ financial well-being and resilience.

The outcome of the program is that clients who engage with the service become financially self-reliant and their businesses are better prepared to deal with risk.


Rural financial counsellors can help you to understand your financial position and the viability of your enterprise. They can help you develop and implement plans to improve your financial situation.

As part of their service, rural financial counsellors can also help you to:

  • identify your financial and business options
  • develop cash flow budgets and forecasts
  • negotiate with your lenders
  • access other professional services
  • access industry and government assistance and grants.

In relation to mediation for farm debt matters, a rural financial counsellor can help you prepare for mediation, assist and support you on the day and help you with any actions that need to be undertaken after mediation.

Find your local RFCS

RFCS offices are located across Victoria and counsellors can visit a business or residence to provide advice and support.

Call the national toll-free number 1300 771 741 or go to 'Find your local RFCS' on the Federal Government's Rural Financial Counselling Service (RFCS) web page.

Western region

Head office: 77 Kennedy Street, Hamilton VIC 3300

Counsellors in Hamilton, Ballarat, Cobden/Terang, Colac, Horsham and Warrnambool

Phone: 1300 735 578 or 03 5572 4540

Website: RFCS Victoria West

Eastern region

Head office: 1 Peart Street,  Leongatha VIC 3953

Counsellors in Leongatha, Ellinbank, Maffra and Bairnsdale

Phone: 1300 045 747

Website: RFCS Gippsland

North East region

Head office: 102 Hume Street,  Wodonga VIC 3690

Counsellors in Wodonga, Shepparton, Numurkah, Benalla and Seymour

Phone: 1300 834 775 and 02 6057 5777

Website: Rural Financial Counselling Service, Victoria – North East

North West region

Head office: 139 Lime Avenue,  Mildura VIC 3500

Counsellors in Mildura, Bendigo, Donald and Swan Hill

Phone: 1300 735 578

Website: RFCS Victoria West

Page last updated: 25 Mar 2024