Farm Investment Loans

About this grant

Farm Investment Loans provide farm businesses with loans to help build and maintain a strong, resilient and profitable business.

Eligibility requirements

All of the following criteria must be met:

• Farm businesses.
• Farm investment loans provide farm businesses with loans to make farms stronger, more resilient and more profitable.
• Strengthen your farm business
• Access markets interstate or outside australia
• Prepare for, manage through or recover from drought
• Pay for operating expenses or capital
• Fund drought-related activities
• Loans of up to $2 million over a period of 10 years are available. repayments over the first 5 years are interest only, then principal and interest for the remaining 5 years. after 10 years, any remaining balance on the loan can be refinanced with a commercial lender.
• Be an australian citizen or permanent resident
• Contribute at least 75% of your labour to the farm business (under normal circumstances)
• Earn at least 50% of your income from the farm business (under normal circumstances)
• Additionally, the farm business you are running must:
• Solely or mainly sell products into supply chains that are interstate or outside australia, or plan to in the future
• Be registered for tax purposes in australia with an australian business number (abn) and be registered for goods and services tax (gst)
• Be in financial need of a loan
• Have the capacity to repay the loan
• Operate as a sole trader, trust, partnership or private company
• Be in the agriculture, horticulture, pastoral, apiculture, or aquaculture industry

What the funding covers

• Loans of up to $2 million.

How to apply

1. 1Confirm readiness: Ensure you meet criteria (e.g., ABN, turnover limits, GST registration), align project objectives with grant goals, and estimate time for evidence gathering and writing.
2. 2Gather evidence: Collect documents like financials, business plans, market research, project budgets, resumes, risk analysis, and support letters to prove capability and impact.
3. 3Register/log in: Obtain an Australian Business Number (ABN) if needed, sign into the relevant portal (e.g., Business Grants Hub portal), and note any prerequisites like advisory service reports.
4. 4Prepare and write application: Address all selection criteria clearly (project details, government alignment, costs, outcomes, benefits); keep concise, factual, and compelling; validate for completeness.
5. 5Review, approve, and submit: Proofread, get stakeholder sign-off, submit online via the portal before deadline (no late entries); expect eligibility check, merit assessment, and outcome notification.
6. 6Visit https://business.gov.au/grants-and-programs/farm-investment-loans for application details

Application tips