Loan overview
Loan amount:
$130,000 maximum.
Loan term:
Up to 12 years (first two years are interest and repayment free).
Interest rate:
2023 Natural Disaster Declarations - 1.79% per annum
2024 Natural Disaster Declarations - 2.79% 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.
Download a Mortgagees Consent Form.
Refer to the Program Guidelines for detail, including eligibility criteria.
What you will need to apply
When you lodge an application for a loan, you will need copies of the following documents:
- Signed Mortgagees Consent Form from your existing mortgagee (download a Mortgagees Consent Form)
- Last three years balance sheets and financial statements of your business enterprise (these include profit and loss statements, trading account and depreciation schedules)
- Last three years individual taxation returns and a current listing of all assets and liabilities held by each: Individual members of a partnership/family trust and individual director(s)/shareholder(s) of all companies
- Trust deed (if applicable)
- Monthly cash flow budget for the next 12 months (download a Cash Flow Statement Template)
- Current LGA (council) rates and LLS rates notice(s) for property(s) where the work is to be completed.
Apply now
The online application form has been designed to make the process as simple as possible. We recommend that you have all scanned documents ready to upload before starting the process. We also recommend that you use the Google Chrome browser when applying online.
Frequently asked questions
Follow the link below for a comprehensive list of frequently asked questions relating to the Natural Disaster Relief Loan for small businesses:
Need help?
If you have any questions about the program, please contact the NSW Rural Assistance Authority (RAA) by calling 1800 678 593 or emailing rural.assist@raa.nsw.gov.au.