Accounting & Business Advisory for Farmers & Primary Producers
Specialist Accounting, Tax & Business Advice for Farmers Across Far North Queensland and Australia
Farming is more than a business it’s a way of life. It requires long-term planning, resilience and the ability to navigate changing seasons, fluctuating commodity prices, labour shortages and evolving government regulations.
At Rick & Mon Business Consultants, we understand the unique financial challenges faced by Australian farmers because we’ve spent years working alongside primary producers, particularly throughout Far North Queensland.
We proudly support farming businesses across Innisfail, Tully, Cairns, Mareeba and surrounding regions, while also assisting primary producers throughout Australia.
From banana growers and mango producers to cattle farmers and family-owned agricultural businesses, we provide proactive accounting, taxation, business advisory and finance solutions designed specifically for the agricultural industry.
We Understand Farming Businesses
Agriculture presents unique financial and taxation challenges unlike any other industry.
Our team provides advice on:
- Farm business structures
- Succession planning
- Family farming operations
- Trust and company structures
- Cash flow management
- Seasonal budgeting
- Equipment purchases
- Asset protection
- Business expansion
- Farm acquisitions
- Livestock and crop-related taxation matters
- Capital investment planning
- Government assistance programs
- ATO compliance
Our advice is practical, commercially focused and designed to help farming businesses remain profitable over the long term.
Local Knowledge That Makes a Difference
Agriculture isn’t an industry where one-size-fits-all advice works.
Every farming business is different, and every season presents new opportunities and challenges.
That’s why Ricky Dheri personally travels to Innisfail and surrounding Far North Queensland communities every month to meet with farming clients, visit their businesses and gain a deeper understanding of the commercial realities they face.
Regular face-to-face meetings allow us to better understand:
- Seasonal production cycles
- Weather-related challenges
- Labour availability
- Commodity price fluctuations
- Expansion opportunities
- Equipment requirements
- Cash flow pressures
- Long-term business goals
By understanding how your business operates—not just reviewing the numbers—we’re able to provide practical advice that supports profitability and sustainable growth.
Supporting Far North Queensland Farmers
Over the years we’ve built strong relationships with farming businesses throughout:
- Innisfail
- Tully
- Cairns
- Mareeba
- Cassowary Coast
- Tablelands Region
- Surrounding agricultural communities
Many of our clients operate successful:
- Banana farms
- Mango farms
- Cattle properties
- Mixed farming enterprises
- Family-owned agricultural businesses
We understand the financial challenges that affect primary producers and provide advice tailored to the agricultural sector.
Why Farmers Choose Rick & Mon
Genuine Agricultural Experience
We have extensive experience working with banana growers, mango producers, cattle farmers and family-owned agricultural businesses throughout Far North Queensland.
Regular On-Farm Visits
Unlike many accounting firms, our team regularly travels to Innisfail and surrounding farming communities to meet clients, discuss their operations and gain a practical understanding of the factors influencing productivity and profitability.
Practical Business Advice
We provide advice that extends beyond compliance, helping clients improve profitability, strengthen cash flow and plan confidently for the future.
Proactive Tax Planning
We work with clients throughout the year to minimise tax, manage cash flow and prepare for changing business conditions.
Accounting, Tax & Finance Under One Roof
From bookkeeping and tax planning to business advisory and rural finance, we provide integrated financial solutions tailored to farming businesses.
Tax Planning
Every farming business has different taxation requirements.
We provide proactive tax planning to help clients:
- Minimize Tax legally
- Plan for seasonal income fluctuations
- Manage tax obligations
- Maximise available deductions
- Structure investments effectively
Rather than simply lodging tax returns, we help you plan ahead.
Financial Reporting
Clear financial reporting allows you to understand exactly how your farm is performing.
We prepare reports that help you monitor:
- Farm Income
- Business performance trends
- Equipment investment
- Operating Expenses
- Cash Flow
- Business profitability
These insights help support informed decisions about future investment and expansion.
Managing Seasonal Cash Flow
Cash flow is one of the biggest challenges facing farming businesses.
Income often arrives seasonally, while wages, equipment costs, repairs, finance repayments and operating expenses continue throughout the year.
We help clients:
- Prepare cash flow forecasts
- Budget for seasonal income
- Plan taxation obligations
- Manage working capital
- Prepare for major capital purchases
- Improve financial stability during quieter periods
Strong cash flow planning provides greater confidence and allows businesses to invest for the future.
Government Grants & Assistance
Government grants and industry assistance programs can provide valuable opportunities for farming businesses.
Our team assists clients by:
- Identifying grants that may be relevant to their business
- Explaining eligibility requirements
- Assisting with financial information required for applications
- Preparing supporting financial reports
- Helping businesses understand the financial implications of grant funding
While every grant has different eligibility criteria, we work proactively with our clients to ensure they are aware of opportunities that may support business growth, equipment upgrades or recovery following eligible events.
Business Advisory
Running a successful farm requires more than producing quality crops or livestock.
We work closely with clients to:
- Improve profitability
- Monitor financial performance
- Plan future growth
- Analyse business results
- Make informed investment decisions
- Build long-term financial security
Our role is to help you make confident business decisions based on reliable financial information.
Asset Protection & Business Structures
Farming businesses often involve significant land, equipment and family assets built over generations.
Protecting those assets is just as important as growing the business.
We provide advice on:
- Companies
- Family Trusts
- Unit Trusts
- Farm succession planning
- Asset ownership structures
- Risk management
- Long-term wealth protection
The right structure today can provide flexibility and protection for future generations
Mortgage & Finance Solutions
Agriculture is capital intensive, and access to finance plays an important role in business growth.
Our Mortgage & Finance division assists with:
- Farm finance
- Rural property purchases
- Equipment finance
- Livestock finance
- Commercial lending
- Working capital facilities
- Refinancing
- Investment property finance
Because our accounting and finance teams work together, we help ensure borrowing decisions support both your taxation strategy and long-term business objectives.
Our Process
A clear path from chaos to clarity.
01 · Initial Consultation
A free, no-pressure chat to understand your goals and situation.
02 · Financial Review
We assess your books, structure and obligations in detail.
03 · Strategy Development
We build a clear, tailored plan to save tax and improve cash flow.
04 · Ongoing Support
We stay alongside you year-round, adjusting as you grow.
Frequently Asked Questions
Yes. While many of our farming clients are located throughout Far North Queensland, we proudly assist primary producers across Australia.
Yes. We assist clients in identifying suitable grant opportunities and preparing the financial information required to support eligible applications.
Absolutely. We work closely with farming families to develop business structures and succession strategies that support the long-term future of the farm while protecting family assets.
Yes. Our Mortgage & Finance division assists with rural lending, equipment finance and commercial finance tailored to agricultural businesses.
Yes. Ricky regularly visits Innisfail, Tully, Cairns, Mareeba and surrounding regions to meet with farming clients, better understand their operations and provide personalised business advice.
Helping Australian Farmers Grow with Confidence
Farming is built on hard work, commitment and long-term thinking. Your accountant should share those same values.
At Rick & Mon Business Consultants, we provide specialist accounting, taxation, business advisory and finance solutions designed specifically for farmers and primary producers. Book a consultation today and discover how specialist agricultural accounting and business advice can help your farming business thrive.