The Rural Financial Counselling Service - Northern Region (RFCSNR) provides free and independent financial counselling to eligible farmers, fishers, and small related rural businesses in northern New South Wales. Services include analyzing business performance, developing cash flow budgets, and facilitating meetings with lenders. Their target audience is those experiencing financial hardship. The unique selling proposition is their holistic, client-centered approach, empowering clients to manage financial challenges while maintaining confidentiality and integrity[1][2].