Up to $2M is available from Farm Investment Loans to help farm businesses build and maintain strong, resilient and profitable businesses.
Farm Investment Loans
Farm Investment Loans provide farm businesses with loans to make farms stronger, more resilient and more profitable.
These loans are available to help eligible farm businesses build and maintain diversity in the markets they supply and take advantage of new and emerging opportunities across Australia and overseas.
The Australian Government, through the Regional Investment Corporation, is providing concessional loans to eligible farm businesses. Farm businesses must be in need of financial assistance and have sound prospects of long-term financial viability. The new farm business loans replace and build on previous Commonwealth-funded concessional loans, including the Farm Finance, Drought, Drought Recovery, Drought Assistance, Dairy Recovery and Business Improvement Concessional Loans.
Farm Investment Loans aim to support the long-term strength, resilience and profitability of Australian farm businesses.
Farm Investment Loans may be used to:
- strengthen your farm business
- access markets interstate or outside Australia
- prepare for, manage through or recover from drought
- refinance existing debt
- pay for operating expenses or capital
- enhance productivity
- fund drought-related activities.
Loans of up to $2 million over a period of 10 years are available. Repayments over the first five years are interest only, then principal and interest for the remaining five years. After 10 years, any remaining balance on the loan can be refinanced with a commercial lender.
Farm investment loans are available to refinance:
- commercial debt
- government-funded concessional loans (information for farm businesses wishing to refinance an existing concessional loan is in section 6.5 of the Guidelines).
This can include standard farm business operating expenses or those associated with implementing specific farm-related business productivity enhancements or risk management activities.
Examples of operating expenses include:
- employee salaries or wages
- farm rent or rates
- consumables essential to carry on the farm business, such as fuel and other farm inputs
- fodder or carting of water for livestock or produce
- transporting livestock or produce
- succession planning activities.
Capital expenditure may include productivity enhancements and/or risk management activities (including drought preparedness, management and recovery activities). Examples of capital expenditure include:
- enterprise build-up or expansion of existing operations or diversification of farm production to improve productivity, increase profitability or help build diversity in markets
- farm development including modernisation and efficiencies to farm production systems (for example, irrigation systems) and infrastructure
- upgrading to better or more efficient machinery, plant or equipment (must be predominantly for own use)
- purchase of livestock to provide long-term improvement to productivity and profitability, such as breeding stock or farm business conversion programs
- drought and natural disaster preparedness and management projects including fodder management, water storage, irrigation efficiencies and management of waterways
- purchase of water or water rights to enhance farm production, but not for speculative purposes
- purchase of additional farm land.
To be eligible, you must:
- 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
- have existing commercial debt
- be registered for tax purposes in Australia with an Australian Business Number (ABN) and be registered for 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.
Applications close 30 June 2026.