Natural Disaster Relief Loans for Small Businesses

Maximum amount: 

Natural Disaster Relief Loans for small businesses are up to a maximum of $130,000

Loan term:

Up to 12 years (first two years are interest and repayment free)

Interest rate:

3.46% per annum

Fees and charges:

Security searches and registration fees will be applied.
There are no ongoing fees or charges.

Security: 
Registered mortgage over the land.
Other security, including a mortgage from another person may be considered.

Repayments:

Loans can be repaid monthly, quarterly, biannually or annually over the life of the loan.

Please refer to the program guidelines for further details.

Program Guidelines

When you lodge an application for a loan, you will need copies of the following documents:

• the last 3 years of the applying small business’s tax returns, balance sheets and financial statements (including profit and loss statements, stock trading account and depreciation schedules)
• the last 3 years of individual tax returns of all members of the small business and a current listing of all assets and liabilities held by each individual director, shareholder, partner or trustee of the small business (Note: Tax Assessment Notices are not acceptable)
• the last 3 years of tax returns and financial statements for all related business entities that individual members of the small business are involved in, if applicable
• signed Consent to Contact Lenders Form, if applicable (download a Consent to Contact Lenders Form)
• trust deed, if applicable
• monthly cash flow budget for the next 12 months (download a Cash Flow Statement Template)
• current LGA (council) rates notice(s) for the property(s) where the damage occurred and the work is to be completed. If the affected property(s) is leased, a lease covering the property(s) at the time of the declared natural disaster outlining the tenant’s responsibilities is required
• proof of the small business’s address
• confirmation of bank details, such as the front page of a bank statement showing the account name, BSB and account number.

Please refer to the program guidelines for details.

Program Guidelines

Before you start your application:

Please ensure you have read and understood the Program Guidelines. The version of the guidelines that applies to you is the one published on the date you submit your application. For your records, we recommend you download and save or print a copy of the program guidelines.

Program Guidelines

The online application form is designed to make the process as straightforward as possible. To ensure a smooth application submission, we recommend:

• having all required documents scanned and ready to upload
• using Google Chrome on a computer or laptop.

How to apply

All applications must be submitted through the RAA’s online portal.

If you don’t already have an RAA Account, you will need to create one before you can access the portal. You can find step‑by‑step instructions for setting up an account on the RAA Portal page.

Start your application

When you’re ready, log in to the RAA Portal to start your application:

Log In to Apply

Additional information about the Natural Disaster Relief Loan for small businesses can be found on our Frequently Asked questions webpage.

Frequently asked questions