Explainers

Learn more about key features of RIC loans including information about eligibility and assessment.

What is significant financial impact?

What is significant financial impact?

Learn how RIC defines financial impact and what evidence you will need to show.

What does financially viable mean?

What does financial viability mean?

Learn how RIC defines financial viability and how we assess it in loan applications.

On-farm experience

What does three years of relevant on-farm or equivalent experience mean?

Learn about what experience is required to be eligible for some RIC loans and what may be equivalent experience.

Variable interest rate

How do RIC variable interest rates work?

Learn about RIC’s interest rates, including what they are based on and how and when they may change

Illustration of woman standing in front of commercial building.

What is commercial debt?

We explain what counts as commercial debt and the difference between refinancing versus new debt with RIC.

Drought Management Plan

What is a Drought Management Plan?

Learn about Drought Management Plans and why you need one for a RIC Drought Loan

Eligible Industries

Which industries are eligible for RIC loans?

Learn how we determine eligible industries and how to tell if your business is eligible to apply for a RIC loan.

Last modified: 12 May 2025