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Regional Investment Corporation – Farm Investment Loans


This program aims to support the long-term strength, resilience and profitability of Australian farm businesses. It helps eligible farm businesses build and maintain diversity in the markets they supply and take advantage of new and emerging opportunities across Australia and overseas.

Loans of up to $2 million are available. The loan term is ten years, with interest-only repayments for the first five years and principal and interest repayments for the final five years. At the end of the loan term, the farm business will need to refinance the remaining loan balance.

The variable interest rate is reviewed every six months and new rates (should there be any changes) come into effect in February and August each year. The current is ​3.11%.

A total funding pool of $250 million is available each year until 30 June 2026. On 19 August 2018, the government announced it is increasing the total amount available for these loans to $500 million in any one year.

Who Can Apply?

Eligible applicants include farm businesses that must:
- Solely or mainly supply, or intend to solely or mainly supply, products into supply chains that are interstate and/or outside Australia.
- Be in financial need of a loan.
- Be financially viable in the long term.
- Have existing commercial debt.
- Meet the eligibility criteria in the Guidelines.

Please refer to the Guidelines for the complete eligibility requirements.

Eligible Activities

Eligible uses of loans include:
- Refinancing
- Operating expenses
- Capital expenditure

Please refer to the Guidelines for the list of eligible and non-eligible loan uses.

Main Assessment Criteria

The main assessment criteria include the applicant's eligibility and loan assessment criteria.

Documentation Uploaded
Application Form 2018-10-03 Download
Guidelines 2019-04-15 Download
Cash Flow Budget Template 2018-10-03 Download

Use these documents as a guide only - always get the latest direct from the Administrator

Status Open
Closing Information
This program is open on an ongoing basis, until funds are fully allocated.

Funding Type Loan
Max.Funding $2M
Total Funding Pool $500M
Co-contribution No
Competitive Yes
Eligible Activities
Infrastructure / Equipment
General Operations
Who Can Apply?
Difficulty Rating
Tier Federal
Department of Agriculture and Water Resources
Program Administrator
Regional Investment Corporation
General WebsiteVisit
Program Website Visit