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Farm finance specialists

With years of combined banking experience, Rural Bank’s local team Charles, Vikki, Clare and Joann are passionate about helping local farming families achieve their financial goals.

They’re part of the community and understand the opportunities and challenges that come with farming locally. And they’re motivated to achieve the best results possible for all of their clients.

So, if you’re looking for local service, backed by local knowledge, call the team and organise an on-farm appointment with them today.

Rural Bank's Riverina Team

Meet Rural Bank's Riverina region team

Clare Hamson

Clare Hamson

Agribusiness Relationship Manager

Clare grew up on a large sheep and beef cattle property at Harrow in Western District Victoria. She has over 20 years experience in the Agribusiness & Banking industry. She currently lives on a sheep & cropping property with her husband and two children. 

Charles Gebhardt

Charles Gebhardt

Agribusiness Relationship Manager

Charles grew up on a sheep and cropping farm in the Mid North of South Australia. He is passionate about helping Australian farmers achieve their business goals and supporting their needs. For the last 5 years has worked with Rural Bank in Bendigo, Victoria and Wagga Wagga, New South Wales.

Vikki King

Vikki King

Agribusiness Relationship Manager

Vikki grew up on a mixed farming operation in the Central West of New South Wales. For the last 30 years Vikki has worked in the Banking Industry. She is passionate about the rural industry and is looking forward to sharing her knowledge and experience to help clients achieve their business goals.

Joann Heeney

Joann Heeney

Agribusiness Relationship Manager

Joann grew up on a mixed cropping, sheep & cattle property in southern NSW which her family still operates today.  She has over 35 years in banking and finance, with 25 years in agribanking. Joann has a deep understanding and passion for agriculture and the challenges faced by farming families.

How we can help

Rural Bank’s range of specialist lending products puts you in charge of your farm’s financial management, so you can stay on top of challenges and grab opportunities with confidence. Contact us to find out how we can help you achieve your financial goals.
Tractor working a paddock in front of Mt Arapiles.
Farm Term Loan

Ideal for property purchases, capital improvements or off-farm investments.

  • Flexible repayment and interest charging options to suit your cash flow.
  • Choice of variable or fixed interest rate options, or a combination of both.
  • Farm Management Deposit Offset available on eligible variable rate Term Loans.


Hand holding a green ear of wheat.
Short-term finance

A Seasonal Overdraft gives you access to daily working capital to cover cash flow shortfalls or to finance short-term production costs.

  • You can use your land, stock, crop or wool as security.
  • No fixed or minimum repayments are required as long as the amount owing is below the agreed limit. This allows you to make repayments as you receive your farm proceeds.
Tractor driving between fruit trees.
Farm line of credit

Grow your business and manage the unexpected with AgriManager®, the line of credit developed especially for farmers.

  • A convenient, all in one account that covers term, seasonal borrowings and transactional banking.
  • Secured by land.
  • Minimum facility is $150,000.
Equipment Finance

Options to purchase, upgrade or replace your farm or business equipment.

  • Preserve working capital by giving you access to the assets your business needs without the capital outlay required to pay for them upfront.
  • Provide possible tax benefits where the equipment being financed is used to generate income.
  • Have the option of starting a new contract with the latest equipment when your current contract ends
Penned sheep being sold to farmers.
Livestock finance

Invest in your breeding stock using the equity in your livestock for security with StockBuilder. 

  • Use your livestock as security.
  • Interest-only payments in the first year.
  • Available for breeding stock only.
  • Up to 3 year (36 months) term.
  • Choose between variable and fixed interest rates.

Contact us

Preferred Contact Method
Rural Bank is part of the Bendigo and Adelaide Bank Group. We collect your personal information in order to respond to your enquiry and contact you; your personal information may be shared within the Group. This includes subsidiaries, related companies, agencies and franchises. To request access to your personal information, please contact 1300 660 115, or your nearest branch. For more information, please read our Privacy policy.

Things you should know

Information is subject to change. All applications for loans or credit are subject to normal lending criteria. Terms, conditions fees and charges apply and are available here or by phoning our Customer Service Team on 1300 660 116, online, or by contacting your local Rural Bank relationship manager.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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