Vice-president John Scrimgeour said it would be tough, with an increase in farmers' overdrafts over the next three months. However, it would not be impossible to manage, with banks "generally understanding".
"However, I am sure they will expect some discipline from some people and will be looking pretty closely at the allowances they do make but it is certainly manageable."
It would become more of a concern if prices did not lift, but some farmers had let staff go as they cut costs.
Dairy vice-chairman John Howard said he had reviewed and questioned his budget.
The lower dairy prices were a shock because indications in 2014 were not accurate.
"I don't know how they can promise what we are going to get next year when last year they could not predict this downfall."
Mr Howard had 230 cows but his confidence was down: "There is no stability ... I am giving up a lot of my voluntary roles and going back to the cow shed."
The flow-on effects of focusing on tax and debt was crippling to his cashflow and he had to let a worker go, he said.
Bay of Plenty Rural Support Trust chairman Derek Spratt said it was there to help but people needed to come forward.
"Do not hold the issues just get out there and talk about them. We have qualified people that we can send out to talk through it."
Stressful times were ahead for dairy farmers, he said.
"Once May production has finished, those farmers will get that payment in June and then there is none in July so that is when the stress will hit."
However, banks were giving a five-year scope and did not want to put anyone under.
"That is really good because they know darn well they will have to face the consequences."
Mr Spratt urged those who feared the banks "would jump on them" to give the trust a ring.
"The banks would only do that as a last resort."