A NSW Government website

Rural Assistance Authority

Natural Disaster Relief Loans for Non-Profit Organisations

Natural Disaster Relief Loans assist voluntary non-profit organisations directly affected by a declared natural disaster including flood, fire or storm damage.

The concessional loans are available for the restoration of essential facilities that have been damaged or destroyed by a natural disaster and may also be directed towards temporary storage or leasing of alternate premises.

Visit the Declarations page to check that your Local Government Area (LGA) has been declared for a natural disaster event.

Applications must be lodged by the relevant close date listed for your LGA on the Declarations page.

Loan overview

Loan amount: 
$25,000 maximum.

Loan term
Up to 5 years.

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.

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

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:

  • 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

Non-profit organisations considering applying for a Natural Disaster Relief Loan should contact the RAA prior to submitting an application, to discuss exact requirements for your organisation. You can phone the RAA on 1800 678 593 or email rural.assist@raa.nsw.gov.au for more information.

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.

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.

If you are experiencing any issues completing the form, free confidential assistance is available from your local Rural Financial Counselling Service (RFCS). For more information, visit the RFCS website or call:

  • Northern region: 1800 344 090
  • Southern and Central region: 1800 319 458