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?

        Primary Production:

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

        Small Business:

        A business that has 19 employees or less, is experiencing or at risk of experiencing financial hardship, is located in the RFCS NSW Central or Southern regions and is ineligible to access services under the existing RFCS program.

        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 can Small Business Financial Counsellors support me with?
        • Assist with identifying and navigating government and community grants, programs or schemes
        • Understand your financial position and the viability of your business
        • Identify options to manage the financial issues of your business
        • Develop budgets and cash flows
        • Create and implement an action plan to work towards your business goals
        • Negotiate with your lender’s debt relief and access dispute resolution services
        • Access broader professional advice and support as required including specialist marketing, taxation, accounting or legal advice
        • Develop and implement marketing strategies
        • Establish social media marketing.
        Who can access the Regional Small Business Support Program?

        If your business has 19 employees or fewer experiencing or at risk of experiencing financial hardship, is located in the RFCS NSW Central or Southern regions and is ineligible to access services under the existing Rural Financial Counselling Service Program.

        What can’t Small Business Financial Counsellors do?

        Small business financial counsellors do not give family, emotional or social counselling or financial advice. They refer to other professional services, including accountants, education services, and mental health support.

        What Our Clients Say

        "It has allowed me to continue with my business when I thought all was lost."

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

        "Tony's knowledge was very beneficial when applying for the Farm Innovation fund. The up to date information via email helpful."

        "Very helpful in understanding how to fill in certain forms needed, for the Farm Household allowance. Also had plenty of information on other loans available for our business."

        "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."

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        The Rural Financial Counselling Service Program is funded by the Australian Government and the New South Wales Government and is administered by the Department of Agriculture, Fisheries and Forestry