FAQ’s

Frequently Asked Questions

What can Rural Financial Counsellors assist me with?

Succession planning
Farm budgeting
Forecasting and cash flow analysis
Farm debt mediation
Bank reviews and relationships
Help refinancing debt
Access government assistance and rural loans
Understand farm loan interest rates
Understand your financials \Build a business plan
Identify areas of risk
Benchmarking
Referrals
Debt relief and negotiation

Does RFCS NSW provide ongoing assistance?

We can help you with immediate needs, such as accessing the right rural finance support for your situation – whether it’s an agriculture loan, small business grant or disaster recovery grant – as well as discuss longer-term financial strategies and provide ongoing assistance with a complete review of your rural business.

Is there any cost for these services?

Our service is free and independent and is provided within a safe and confidential environment.

How will my information be used?

We respect your privacy. We do not sell, rent or trade any personal information to or with any third parties. We may disclose your personal information (not financial) to external service providers in the circumstances discussed in our privacy policy.

Who can access RFCS NSW?

Farmers, fishers, foresters or owners of small, related enterprises experiencing or at risk of experiencing financial hardship and located in the RFCS NSW Central or Southern regions.

What can’t Rural Financial Counsellors do?

Rural financial counsellors do not give family, emotional or social counselling or financial advice. If you require these, our rural financial counsellors can refer you to other professional service providers, including accountants, agricultural advisors, education services, and mental health professionals.

What Our Clients Say

Friendly, efficient, knowledgeable and empathetic counsellor. So grateful for her assistance navigating difficult financial issues."

"They have been a great assistance in guiding us through the quite complex application process for the Farm Household Assistance program."

“RFCS NSW has been a positive and transformative experience, they exceeded every expectation with respect, concern and genuine desire to help”

Have always found the RFC that we have been in contact with over many years very helpful listens to our concerns is very knowledgeable and always supportive. Some of the natural disasters we have dealt with on the property leave you feeling fatigued and depressed. Our Rural Financial Counsellor has always been a person to talk with and give advice and has a can do attitude.

"Encouraged pro-active actions, and assisted with strategic business planning and cash flow preparation to enable us to secure the RIC loans and Drought Loans. Also provided valuable assistance, which is giving us more confidence in our negotiations with the bank."