Rural Financial Counselling Service Southern Queensland (RFCS-SQ) provides free, impartial, confidential and responsive rural and small business financial counselling services across Southern Queensland.
The RFCS Programme in Queensland is funded by the Australian and Queensland Governments.

2021 has continued to deliver rain in some parts of Southern Queensland but sadly the dry continues to hurt other areas.

Drought recovery is proving difficult for some of our clients who are dealing with increased commodity prices while the prolonged drought has depleted cash reserves required for a business rebuild.

There is assistance available.
For more information follow the links below:
Drought Assistance Programs - click here
QRIDA Sustainability Loan and Farm Business Analysis Assistance Program - click here
Drought rebates and land rent relief - click here

Small Business Financial Counsellor and program coordinator, Jo Tardent met with QRIDA COVID Loans Management unit member, Ross Leggett recently.
Interest payments on some COVID Job Support loans will be payable in April 2021. 
If you need support please call us on 1300732777.

Roma based Rural Financial Counsellor, Nathan Wichlacz was featured in a National Drought and North Queensland Flood Response and Recovery Agency video this month.
Watch the video to hear Nathan explain about the current issues facing our Rural clients.
For more information about the National Drought and North Queensland Flood Response and Recovery Agency, click here.

The Australian Government has announced a $1.3 billion Modern Manufacturing Initiative (MMI) and the National Manufacturing Priorities.

The initiative will drive lasting change for Australian manufacturers.

It will help Australian manufacturers
  • scale-up
  • collaborate
  • commercialise
Modern Manufacturing Initiative

News is back on Facebook.

Rural Financial Counselling Service SQ shares news articles that cover issues or announcements that interest rural and small business clients of the service on our Facebook platforms.

Rural -
Small Business -

We also use Twitter.

Twitter -
Wednesday, March 3
Featuring a succession planning specialist, lawyer, accountant and banker
Register at
Wednesday, March 24 and Thursday, March 25
Featuring an Accountant and a Rural Financial Counsellor, this event is designed to remind you how to be effective in your book keeping to reduce accounting costs and ensure you can monitor your business.
A Small Business Financial 
Register at
Toowoomba Rural Financial Counsellor

Servicing the Toowoomba Region, Lewes Golden has a rural background and enjoys working with country people.
"It is satisfying when people work their way through difficulties and are appreciative of our assistance," he said.

Assisting clients with budgeting and planning, bank negotiations, asset management, farm debt mediation and government assistance applications, Lewes visits his clients on farm.

"I encourage my clients to keep on top of their record keeping so they know where they are financially, to plan ahead using budgets, to keep communicating with their lenders and to plan for the difficult times," he said.

Married, with three sons, Lewes grew up on a family cattle property in Southern Inland Queensland.
"I've worked on the land, for an accountant, managed an accounting practice and was self-employed before joining the Rural Financial Counselling Service Southern Queensland in 2015."

You can contact Lewes on 0447 764 483
Karen Tully

“The Australian red meat industry has set a target to be carbon neutral by 2030 (CN30). This means that by 2030, Australian beef, lamb and goat production, including lot feeding and meat processing, aim to make no net release of greenhouse gas (GHG) emissions into the atmosphere”. 
Meat and Livestock Australia, 2021.

There is much talk of businesses becoming carbon neutral in the future, and many industries and corporate entities are setting carbon neutral targets to reduce their release of greenhouse gas emissions into the atmosphere.
Whilst governments globally are generally implementing carbon emission reduction schemes to reduce our carbon risk, many enterprises believe it makes commercial sense to work towards becoming carbon neutral, in recognition that clients, staff and future employees will favour businesses who care about the environment and our future.

For example, Meat and Livestock Australia (MLA) has set a target for the industry to be carbon neutral by 2030.
The red meat industry’s social licence to operate is increasingly being questioned by some consumers. 
Additionally, improving soil carbon and implementing sustainable grazing practises will enhance productivity and profitability over time. 
On a global scale, Microsoft has indicated that it will be carbon-negative by 2030.

Are you considering how your business could reduce carbon emissions?
Can you reduce your electricity consumption?
Transition to renewable energy sources, including solar and wind? 
Install low-energy LED lighting? 
Are you considering major investments in equipment to recycle waste products or reduce your water use? 
Would electric vehicles or regenerative natural systems work in your enterprise? 

Measuring, reducing and offsetting your carbon footprint will require an initial investment of both time and funds.
Determining your baseline emissions, undertaking audits and setting your enterprise up as a carbon neutral ‘business as usual’ entity will see you incur additional initial costs to your business. 

For businesses experiencing hardship, reducing your carbon footprint may be both a necessity and a challenge. 
If you are a primary producer or small business owner experiencing financial pressure and are planning and preparing for change to meet future carbon reduction challenges and are requiring help with financial modelling aspects associated with this change, you may be eligible for support from a Rural Financial Counsellor or a Small Business Financial Counsellor. 
We can help you to understand your financial position and work with you to prepare cash flow projections for a variety of carbon neutral scenarios that you may be considering. 
We may also be able to assist you with climate change related government assistance that is on offer.

The Rural Financial Counselling Service Southern Queensland has qualified and experienced staff who can help you. 
We are only a phone call away. 
If you are experiencing financial hardship and are keen to be supported to work on the financial aspects of reducing your carbon footprint, why not call us on 07 46225500?

Karen Tully
Chair – RFCS Southern Queensland
Disclaimer of Liability 
Every effort is made to provide accurate and complete information in RFCSSQ’s newsletters, however, RFCSSQ cannot guarantee that there will be no errors.
RFCSSQ makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of the newsletters and expressly disclaims liability for errors and omissions in the contents of this newsletters.
Copyright © 2021 Rural Financial Counselling Service Southern Queensland, All rights reserved.

Our mailing address is:
42b Wyndham Street, Roma QLD 4455
Phone: 07 46 22 5500 Email:

Rural Financial Counselling Service Southern Queensland is supported by the Federal and State Governments

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