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Ongoingbusiness.gov_au
Loans to strengthen your farm business
Overview
Farm Investment Loans provide concessional loans to farm businesses to strengthen resilience, improve productivity, access interstate or overseas markets, manage or recover from drought and other severe business disruptions, or refinance existing commercial debt.
Loans are up to $2,000,000 with a 10-year term (5 years interest-only then principal and interest) and can be used for operating or capital expenses and other eligible farm purposes.
Eligibility Criteria
To be eligible you must:
- be an Australian citizen or permanent resident
- contribute or plan to contribute at least 75% of your labour to the farm business (under normal circumstances)
- earn or plan to earn at least 50% of your income from the farm business (under normal circumstances)
- own or lease land and use it for farming purposes (includes agistment)
The farm business must:
- solely or mainly sell products into supply chains that are interstate or outside Australia (or plan to in the future)
- be in financial need of a loan and have the capacity to repay the loan
- be financially viable in the long term
- have existing commercial debt
- be registered for tax purposes in Australia with an ABN and be registered for GST
- operate as a sole trader, trust, partnership or private company
- undertake primary production activities wholly within Australia
- be in eligible industries such as agriculture, horticulture, pastoral, beekeeping (apiculture), or aquaculture
You must:
- provide security for the loan
- secure the support of your commercial lender for the proposed loan
- repay the loan
- show significant financial impact over two consecutive years (can be two years’ retrospective loss, one year loss and one year forecast, or two years’ forecast loss)
- and may apply up to five years after drought, natural disaster or biosecurity events (or a combination)
Applications are assessed against the Farm Investment Loan Guidelines.
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Quick Info
Funding Amount
Up to $2,000,000
Closing Date
Ongoing - No closing date
Eligible Locations
National (All States)
Eligible Business Types
Sole Trader, Trust, Partnership, Company
Last updated: 12 February 2026