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  • Our loans
    • AgriStarter Loan
    • Farm Investment Loan
    • Drought Loan
    • AgBiz Drought Loan
    • Customer stories
  • Before you apply
    • Understand eligibility
    • Eligibility tools
      • Eligibility quick quiz
      • Eligible industries
      • Webinars
      • Glossary of terms
    • Explainers
    • Guidelines
    • FAQs
    • Additional support programs
  • How to apply
    • Checklist
    • Start application
    • Resources
    • Loan Application Help
    • Decision review
  • Manage your loan
    • Direct debit and BPAY
    • Loan payment cycle
    • Variations and discharge
  • About us
    • Our board
    • Our executive
    • Our impact
    • News
      • Events
    • Jobs
      • Careers
    • Reporting
      • Annual reports
      • Corporate plans
      • Customer insights reports
      • Information Publication Scheme
      • Freedom of Information (FOI)
      • FOI disclosure log
      • Senate Standing Order
    • Our commitment
      • Compliments or Complaints
      • Credit reporting
      • Privacy
    • Reconciliation Action Plan
  • Contact us

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  1. Home
  2. Before you apply
  3. Explainers

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.
Find out more
What does financially viable mean?

What does financial viability mean?

Learn how RIC defines financial viability and how we assess it in loan applications.
Find out more
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.
Find out more
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
Find out more
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.
Find out more
Drought Management Plan

What is a Drought Management Plan?

Learn about Drought Management Plans and why you need one for a RIC Drought Loan
Find out more
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.
Find out more
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Last modified: 12 May 2025
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RIC (Regional Investment Corporation) acknowledges the traditional owners and custodians of Country throughout Australia. We acknowledge their continuing connection to land, sea and community. We pay our respects to the people, the cultures and the Elders past, present and emerging.