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Farm finance specialists

With more than 55 years combined banking experience, Rural Bank’s Swan Hill team are passionate about helping local farming families achieve their financial goals.

Based in Swan Hill and the surrounding areas, they’re part of the community and understand the opportunities and challenges that come with farming locally.

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

Swan Hill team. Left to right: Allison Jager, Melinda Mazzarella, Zane Wilkins and Brittany Bickford.

Meet Rural Bank's Swan Hill team

Allison Jager

Allison Jager

Allison grew up in East Gippsland and moved to Swan Hill in 1997.

Allison has worked in the finance and banking industries for over 15 years. This has included customer facing roles in bank branches and commercial/agribusiness lending.

Melissa Mazzarella

Melinda Mazzarella

Melinda has been an integral member of the Rural Bank business team for 15 years.

She has held a variety of roles within the business which has instilled a real passion for customer service and agriculture. With experience and knowledge in financial farming, Melinda is able to support her clients to grow their businesses and meet their goals. 


Zane Wilkins

Zane Wilkins

Zane was born in Swan Hill and after 35 years considers himself a local. 

Zane joined the Rural Bank Swan Hill team in 2014 after a number of years in commercial and agribusiness banking. He has a great knowledge of the area and a passion for the Agriculture Industry and ensuring his clients needs are met.

Brittany Bickford

Brittany Bickford

Britt was born in Central Victoria on a sheep and cropping farm and went on to study Agricultural Science at Charles Sturt Uni in Wagga.

Britt has been with Rural Bank since 2017. She enjoys working with farming families to help them achieve their goals and grow their business. She prides herself on providing efficient, reliable and transparent banking to her clients.


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

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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.

Head Office: Bendigo Centre, Bendigo Vic 3550

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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