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Ongoingbusiness.gov_au
Loans for small business working capital after a disaster
Overview
Disaster Assistance (Essential Working Capital) Loans provide low-interest loans to Queensland small businesses that have suffered a significant loss of income because of an eligible disaster.
Loans are for essential working capital (for example, paying wages, creditors, rent/rates, or buying goods such as fuel) and are available for up to $100,000 over a maximum term of 10 years.
Eligibility Criteria
To be eligible, you must:
- be a small business owner in Queensland
- have been carrying on a small business in the 'defined disaster area' before the eligible disaster occurred
- have suffered a significant loss of income as a result of the eligible disaster
- provide adequate security for the loan
- be able to demonstrate the ongoing viability of the small business
- continue to carry on the small business in the defined disaster area
- have taken reasonable precautions to avoid loss or damage from a disaster (for example, have adequate insurance)
Applications may be made after the declaration of an eligible disaster.
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Quick Info
Funding Amount
Up to $100,000
Closing Date
Ongoing - No closing date
Eligible Locations
QLD
Last updated: 12 February 2026