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 ​1.77%.

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.

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

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

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