Rural Financial Counselling Service New South Wales

Rural financial counselling servicesrfcsnsw.com.au

Company typePrivate
Founded1986
HeadquartersWagga Wagga, Australia
Headcount11–50
GTM typeB2C
OfferingServices

Rural Financial Counselling Service New South Wales firmographics

Firmographics

Name: Rural Financial Counselling Service New South Wales
Legal name: Rural Financial Counselling Service, NSW – Southern Region Limited
Website: https://rfcsnsw.com.au
Company type: Private
Founded year: 1986
Operating status: Operating
Headcount range: 11–50 employees
Ownership category
akta.pro rank

Rural Financial Counselling Service New South Wales industry classification

Industry

Product category: Rural financial counselling services
NAICS: Mortgage and Nonmortgage Loan Brokers (52231)
SIC: Loan Brokers (6163)
akta.pro primary industry: Fee-Only Advisory (FSAEAAAL)
akta.pro secondary industry: Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

Rural financial counselling
Farm debt mediation
Primary producer support
Personal financial counselling
Farm business resilience

Where Rural Financial Counselling Service New South Wales is headquartered

Location

Headquarters

HQ city: Wagga Wagga
HQ country: Australia
HQ region: Oceania

Offices29 records

Markets served

Rural Financial Counselling Service New South Wales business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

Government Program Funding: RFCS NSW is a government-funded non-profit organisation. The Rural Financial Counselling Service Program is funded jointly by the Australian Government and the NSW Government under the National Drought Agreement (1 July 2024 – 30 June 2029). The Personal Financial Counselling program in the Illawarra Shoalhaven region is funded by NSW Fair Trading. The organisation also receives program delivery funding for capability-building programs such as the Farm Business Resilience Program (jointly funded by Australian Government's Future Drought Fund and NSW Government). All services are provided free of charge to clients.

Pricing tiers

Model	Billing	Price
Freemium	Pay-as-you-go	Free service for eligible clients — no fees, no subscriptions, no usage charges

Go-to-market motion2 records

Distribution channels4 records

Marketing channels10 records

Rural Financial Counselling Service New South Wales product offering

Product offering

Core offering

RFCS NSW provides free, independent and confidential financial counselling services to rural NSW communities. The Rural Financial Counselling Service program supports farmers, fishers, foresters and small related enterprises in Central and Southern NSW with business reviews, cash flow forecasting, bank and loan negotiations, succession planning, farm debt mediation and access to government assistance. The Personal Financial Counselling Service, funded by NSW Fair Trading, supports individuals in financial difficulty in the Illawarra Shoalhaven region with debt negotiation, budgeting and referrals. All services are delivered free of charge and are funded jointly by Australian and NSW governments.

Product overview

RFCS NSW operates as a government-funded financial counselling organization offering two distinct programs: the Rural Financial Counselling Service for primary producers (farmers, fishers, foresters) across Central and Southern NSW regions, and the Personal Financial Counselling Service for individuals in the Illawarra Shoalhaven region. The service portfolio includes structured workshops (Farm Smart), educational resources (Unlocking Success booklet), and the core counselling programs. All services are free, confidential, and independent, funded by Australian and NSW governments.

Differentiator

Problem solved

Functional benefit

Products and services

Rural Financial Counselling Service A government-funded, free and independent financial counselling service for eligible farmers, fishers, foresters and small related enterprises in Central and Southern NSW experiencing financial hardship. The service covers business reviews, cash flow budgeting and forecasting, bank reviews and loan application support, farm debt mediation, succession planning, benchmarking, risk management, government assistance and rural loan access, and creditor negotiation.
Personal Financial Counselling Service

Quantifiable outcome

1,206 clients served in FY 2024-25 across both programs
+2 more outcomes

Companies that use Rural Financial Counselling Service New South Wales

Customer profile

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Rural Financial Counselling Service New South Wales technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Rural Financial Counselling Service New South Wales partnerships and signals

Strategic signal

Partnerships

Ten partnerships are on record, tiered core, major and minor.

NSW FarmerscoreStrategic or Co-development PartnerRFCS NSW partners with NSW Farmers to co-deliver the Farm Smart Planning and Management Workshops as part of the Farm Business Resilience Program. NSW Farmers promotes the workshops to its membership and assists in event delivery and registration. The partnership enables RFCS NSW to reach a broader audience of farming clients through NSW Farmers' network and channels.
NSW Department of Primary Industries and Regional Development (DPIRD)coreStrategic or Co-development PartnerRFCS NSW co-delivers the Farm Smart Planning and Management Workshops with NSW DPIRD under the Farm Business Resilience Program, which is jointly funded by the Australian Government's Future Drought Fund and the NSW Government. DPIRD provides technical agricultural expertise and assists with workshop content and delivery. The Farm Smart Oyster Focus series is also delivered with DPIRD support for NSW oyster growers.
Rural Assistance Authority (RAA) — NSWmajorImplementation/ SI/ Consulting PartnerThe NSW Rural Assistance Authority administers farm assistance programs including the Farm Debt Mediation Act, disaster recovery grants, flood relief payments, and rural loans. RFCS NSW works closely with RAA to help clients access government assistance, complete applications, and navigate the assistance landscape. RAA is also a key referral partner.
Regional Investment Corporation (RIC)majorImplementation/ SI/ Consulting PartnerRIC provides concessional loans to farming businesses (Drought Loans, AgBiz loans, Farm Investment Loans, AgriStarter Loans). RFCS NSW helps clients understand RIC loan products, assess eligibility, prepare applications, and evaluate repayment capacity. RFCs work with RIC scenarios in serviceability exercises and training. RIC is a key partner in delivering farm financial support.
Local Land Services (LLS) NSWmajorStrategic or Co-development PartnerLocal Land Services delivers on-ground agricultural support across NSW, including the Drought Adoption Officer Program and pest animal management. RFCS NSW collaborates with LLS on events (e.g., Blayney Beef Muster), shares resources (e.g., Managing Drought, Fire and Flood guide published by LLS and NSW Agriculture), and refers clients to LLS for technical agricultural advice.
Rural AidminorOthersRural Aid is listed as a resource partner on the RFCS NSW Resources page, providing free debt advice and financial support services to farmers. RFCS NSW refers clients to Rural Aid where additional assistance is needed beyond what the organisation provides.
Good Shepherd Australia New ZealandminorOthersGood Shepherd is referenced on the Financial Counselling Service NSW page as a resource for clients — providing no-interest loans, counselling, and a Financial Independence Hub. FCS NSW refers clients to Good Shepherd for additional financial support services.
Way ForwardminorOthersWay Forward is referenced on the Financial Counselling Service NSW page as a resource providing free debt advice and free financial support. FCS NSW refers clients to Way Forward for additional services.
Moneysmart (Australian Securities and Investments Commission)minorOthersMoneysmart (ASIC's financial guidance platform) is referenced on the Financial Counselling Service NSW page as a helpful resource for financial guidance, tools, tips, and calculators. FCS NSW promotes Moneysmart to clients as part of its resource ecosystem.
Rural Adversity Mental Health Program (RAMHP)majorOthersRFCS NSW partners with the Rural Adversity Mental Health Program to provide mental health and wellbeing support alongside financial counselling. RFCs work with clients experiencing financial and emotional strain. RAMHP provides a resource to help recognise signs of financial stress and mental health challenges, with referral pathways to mental health professionals including Lifeline, Beyond Blue, and Headspace.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Rural Financial Counselling Service New South Wales competitors and assessment

Company assessment

Direct peers

Rural Aid: Major Australian rural charity providing free financial counselling, wellbeing support, and direct material aid to farmers. RFCS NSW explicitly lists Rural Aid as a referral partner, indicating substantial functional overlap in serving financially distressed primary producers.
Rural Financial Counselling Service Victoria: State-level counterpart delivering the same RFCS Program model to Victorian primary producers. Comparable in funding structure, mission, and service portfolio (financial counselling, business planning, succession, debt mediation), but operating in a different state jurisdiction.
Rural Financial Counselling Service Northern Region (RFCS NR): Sister service under the same National Drought Agreement funding framework, covering Northern NSW. Operates an identical Rural Financial Counselling model for primary producers in financial hardship, with matching free, independent, government-funded service delivery — making it the most direct functional peer.

Broad incumbents

Good Shepherd Australia New Zealand: Community organisation providing no-interest loans, financial counselling, and a Financial Independence Hub. RFCS NSW refers Illawarra Shoalhaven clients to Good Shepherd, indicating overlapping service offerings in personal financial counselling and microfinance.
Financial Counselling Australia: National peak body for the financial counselling profession, providing policy advocacy, training, and standards across the sector. RFCS NSW's Personal Financial Counselling program operates within this broader national framework, making FCA an industry-level incumbent.
National Debt Helpline: National free financial counselling service delivered through a network of community organisations. While not rural-specific, it provides overlapping financial counselling, debt negotiation, and hardship support services to individuals, including in regional areas where RFCS NSW also operates.
Salvation Army MoneyCare: National financial counselling and emergency relief program operating across metropolitan and regional Australia. Provides overlapping free financial counselling, debt advocacy, and hardship support services, often contracted by government for community-based financial assistance delivery.

Regional players

Rural Assistance Authority (NSW): NSW Government body administering farm assistance programs including disaster recovery grants, drought loans, and farm debt mediation. RFCS NSW works closely with RAA to help clients access these programs, making RAA a key institutional partner with overlapping rural financial support remit.
Centrelink (Services Australia): Australian Government agency delivering income support, Family Tax Benefit, and Farm Household Allowance payments. RFCS NSW assists clients with Farm Household Assistance program applications, creating a tight operational linkage to this federal benefits delivery system.

Emerging players

Way Forward: Free, confidential financial counselling service for people experiencing financial difficulty. Listed as a referral partner for RFCS NSW's Personal Financial Counselling program, indicating direct functional overlap in delivering individual debt advice and financial hardship support.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Rural Financial Counselling Service New South Wales compliance and trust

Trust signal

Compliance2 records

Rural Financial Counselling Service New South Wales financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Rural Financial Counselling Service New South Wales leadership team

Management profile

Number of profiles

Profiles2 records

Rural Financial Counselling Service New South Wales funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Rural Financial Counselling Service New South Wales M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rural Financial Counselling Service New South Wales

What does Rural Financial Counselling Service New South Wales do?

Is Rural Financial Counselling Service New South Wales a public or private company?

Rural Financial Counselling Service New South Wales is a private company. It is classified as nonprofit foundation owned and is currently operating.

When was Rural Financial Counselling Service New South Wales founded?

Rural Financial Counselling Service New South Wales was founded in 1986. It employs 11 to 50 people.

Where is Rural Financial Counselling Service New South Wales based?

Rural Financial Counselling Service New South Wales is headquartered in Wagga Wagga, Australia, in the Oceania region.

How does Rural Financial Counselling Service New South Wales make money?

One revenue line is on record: government Program Funding.

Who are Rural Financial Counselling Service New South Wales's main competitors?

Direct peers on record are Rural Aid, Rural Financial Counselling Service Victoria and Rural Financial Counselling Service Northern Region (RFCS NR). Broad incumbents are Good Shepherd Australia New Zealand, Financial Counselling Australia, National Debt Helpline and Salvation Army MoneyCare. Regional players are Rural Assistance Authority (NSW) and Centrelink (Services Australia). Way Forward is listed as an emerging player.

Does Rural Financial Counselling Service New South Wales have an API?

No public API is recorded for Rural Financial Counselling Service New South Wales.

What industry is Rural Financial Counselling Service New South Wales in?

Rural Financial Counselling Service New South Wales's product category is Rural financial counselling services. Its primary akta.pro industry code is FSAEAAAL, Fee-Only Advisory, with a secondary code of FSAEAMAA, Mortgage & Loan Introducers (Residential & Commercial). Its NAICS code is 52231 and its SIC code is 6163.