Facing uncertainty?
RFCSNR are here to help you
secure your future
We provide free, unbiased, independent, confidential and expert support
to farmers, fishers, foresters and other rural businesses
Funded by the Australian Government and New South Wales Government.
PHONE 1800 344 090
If you would like support with
Understanding your finances
The information produced from your financial statements can assist you in evaluating your current business financial position and if there are any changes required to improve financial strategies.
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Identify areas of risk in your business
By managing and planning for Risk, you can reduce the impact of negative and unexpected events on your farm business.
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Cash flow forecasting analysis
Developing a monthly cash flow budget for the financial year using actual farm production and inputs data, allows for different options and scenarios to be incorporated into each cash flow budget.
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Negotiate with creditors and banks
Debt negotiations can offer a satisfactory solution for you and your creditors, but it is important to consider all your options before deciding whether it is the right option for your business.
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Develop business plan
A business plan is the written vision for your farm and the roadmap or guide on how to get you where you want to go.
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Access government assistance
RFCS offers a range of support and guidance on accessing government assistance.
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Service Area
RVB&RFCS service region covers the north eastern region of New South Wales. With offices in the 16 following regional centres, our counsellors are never far away:
- Armidale
- Glen Innes
- Grafton
- Gunnedah
- Hawksbury
- Inverell
- Lismore
- Macksville
- Moree
- Narrabri
- Richmond
- Scone
- Singleton
- Tamworth
- Taree
- Tenterfield
What We Do
Richmond Valley Business and Rural Financial Counselling Services (RVB&RFCS) Inc is a local non-profit organisation that hosts government funded programs to foster regional economic development in the north eastern region of New South Wales.
RFCSNSW- NR supports eligible farmers, fishers, forest growers, harvesters and small related rural businesses who are suffering financial hardship, and who have no alternative sources of impartial support, to manage and adjust to the challenge of industry and climate variability.
Learn more about usMeet our Counsellors
Our financial counsellors are located throughout Northern NSW and offer a free, impartial and confidential service to agribusinesses and small businesses throughout the region.
Case Studies
James’s story
James’ farm is a split between Eggs, Sheep and Contracting. When he approached RFCS, he was establishing his contracting business and first required help applying for government subsidies.
Read storyNews & Events
Succession Planning – 5 Common Mistakes & How to Avoid Them
Learn the 5 MOST COMMON MISTAKES farming families make when trying to navigate the topic of SUCCESSION and HOW TO AVOID them.
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In Farming? Why it PAYS to see an RFC!
Juggling mounting costs and farm debt or wanting to increase your viability and profits? Find out why talking to an Rural Financial Counsellor for a FREE chat is an excellent idea.
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NEMA and RFCSNR talk flood recovery in Muswellbrook Shire
When NEMA invited our RFC Nasir Khan to join them on a visit to Bearami Creek in Muswellbrook Shire, it was a fantastic opportunity to catch up on the progress our flood affected clients have made.
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Need help to get through a difficult time?
Our financial counsellors can help help you understand your finances and make a clear plan to move forward.