Natural Disaster Loan Small Business NSW

About this grant

The Natural Disaster Loan Small Business provides small businesses directly affected by a declared natural disaster with low interest loans.

Eligibility requirements

All of the following criteria must be met:

• Nsw small businesses.
• The natural disaster loan provides low interest loans to small businesses directly affected by a declared natural disaster.
• The loan is intended to help small businesses:
• Return to their normal level of trading or until the next major income is received within 12 months from the date of disaster
• Replace and repair damage caused and associated improvements not covered by insurance.
• Loans of up to $130,000 over a period of 12 years are available.
• Have fewer than 20 full-time (or equivalent) employees
• Have assets that have been significantly damaged as a direct result of the declared natural disaster
• Have suffered a significant loss of income as a result of direct damage from the declared natural disaster
• Hold a current australian business number (abn) that was active at the time of the declared natural disaster
• Demonstrate the long-term viability of your business and the ability to repay the loan

What the funding covers

• Low interest loans of up to $130K.

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/natural-disaster-loan-small-business-nsw for application details

Application tips