Our Rural Financial Counselling Service in South Australia and the Northern Territory provides business support and information to eligible clients experiencing financial difficulties.
We provide a free, independent, confidential and professional rural financial counselling service to eligible primary producers including cattle producers and fruit and vegetable growers, fishermen, foresters and harvesters and small related businesses who are facing financial difficulties. Pre-arranged, flexible appointments are available at your business, on your property or at one of our regional offices.
Our qualified Rural Financial Counsellors can talk with you about your goals and plans for your business, discuss risk management and other strategies you may have, assess the options which may be available and help to make action plans to work towards business goals.
After Farm Household Allowance
Our Farm Household Allowance (FHA) Coordinator can support you with transitioning off FHA when the three years of payments ends. We can look at other grants and financial support your business may be eligible for and refer you to a Rural Financial Counsellor if eligible. Whether your FHA payments have stopped or are ending soon, this service is available at no cost to you. More info.
We’ll take a close look at your cash flow and existing loan facilities and assess the profitability of different income streams.
Long Range Financial Analysis
We’ll work with you to prepare a five year financial projection and evaluation of scenarios including potentially moving out of farm ownership.
Review contracts and loan applications with lending institutions, providing information to help you prepare loan applications and facilitate meetings with lenders and financial institutions.
We can refer you to a range of professionals, including accountants, lawyers, ag advisers, farm succession planners, financial planners, social counsellors and personal or family mediators.
We can support and prepare you for succession planning, including preparing financial viability analysis, referrals to relevant experts and training and compiling helpful questions.
Apply For Assistance
If applying for a grant or assistance is right for you, we can help prepare your application including income support options.
Help completing action plans that you may be obliged to develop to receive grants or income assistance.
Our Tools are Designed to Assist You
We have developed custom tools to assist in the evaluation of our clients; their financial position and to simplify the task of assessing “where you are now” providing a range of future scenarios.
These tools are used by our Rural Financial Counsellors when meeting clients to ensure that relevant information is captured to assist in analysis and decision making.
Plan to Profit (P2P)
A unique farm business planning software program that provides clients with a clear picture of their business enterprise over a five year timeframe. Our Rural Financial Counsellors are able to graphically present a range of options outlining a client’s current financial position and to analyse the ‘what if’ strategies that underpin sound farm business planning.
P2P benefits include:
planning in the recovery years following drought or a poor financial season;
considering asset sales to reduce debt;
potentially moving out of farm ownership; and
assessing the financial implications of a succession plan.
Business Analysis and Action Plan
Business analysis and an action plan provides a farm business assessment which allows Rural Financial Counsellors to assist our clients to:
review their financial position;
develop cash flow budgets and projections;
analyse financial and business performance;
benchmark against standard farm business financial and operating ratios;
develop strategies and options relevant to business structure;
plan to manage risk, including climate risk;
identify other referral assistance and/or government assistance eligibility.
Apply for Assistance
If you work in any of the following industries and are facing financial difficulties, with no alternative source of impartial support, then you may be eligible for assistance.
Click the icon and complete the form. We’ll be in touch within one business day.
What do our clients say?
“It’s taken a lot of stress away – the free service has been lifesaving. This community and a lot of communities would be lost without the service”“RBS offer a way out for families – their financial advice and support gives confidence and removes social stigmas”“I feel better about myself and my future as a result of seeing a Rural Financial Counsellor”“The Rural Financial Counselling Service provides services and support that would not otherwise be accessible or affordable”