Loans to make your farm business stronger, more resilient and more profitable.
Strengthen your farm business. Take steps to access markets interstate or outside Australia.
Prepare for, manage through or recover from drought.
Use this loan to:
Refinance certain existing debt at our low interest rate to improve cash flow.
Invest in new infrastructure, machinery or productivity enhancements.
Pay for operating expenses or capital.
Fund drought and natural disaster preparedness and management projects.
At least 50% of your total debt must stay with a commercial lender.
Tailored to the cash flow of the farm business.
First 5 years interest only, then principal and interest for remainder of the 10 year term.
After 10 years, you can refinance any remaining balance with a commercial lender.
Full terms and conditions are available in the loan guidelines.
The eligible primary production activities undertaken by a farm business to access RIC’s Farm Business loans, are those listed as part of the Australian and New Zealand Standard Industrial Classification (ANZSIC), 2006 (Revision 2.0) codes for agriculture and aquaculture, with some exceptions.
View the details of primary production activities identified in DIVISION A – AGRICULTURE, FORESTRY AND FISHING of the industry classifications.
We are here to help
There are two ways to apply for a Farm Investment Loan.
We encourage you to apply online.
You may need to contact your trusted financial advisor or the Rural Financial Counselling Service (RFCS) to help you complete your application.
Follow the Farm Investment Loan Document Checklist to ensure you submit a complete application.
The online form has mandatory fields and documents. You must supply this information to progress to the next stage of the form.
You must submit all required information so we can start assessing your application and provide an outcome as quickly as possible.
Once you begin you will have 30 days to submit your online loan application. You will receive a reminder at 10, 20 and 30 days.
Follow the Farm Investment Loan Document Checklist on page 1 of the PDF application form.
We can’t start assessing your application until we get all the information we ask for, including attachments.
Submit your application to applications@ric.gov.au or send to:
Regional Investment Corporation, PO Box 653, Orange, NSW, 2800.
Farm Investment Loan application form
Complete this form on your computer or print and fill it in by hand.
Right click on the link above and select 'save target as' or 'save link as' to download the form.
Open the form using Acrobat Reader. Download a free version of Adobe Acrobat Reader DC software.
Save the application form regularly as you are filling it in.
The form will not work when opened in a web browser or other software, e.g. Microsoft Edge, Chrome, Safari, Preview.
We will assess your application against the criteria in the loan.
Read the detail on who can apply for a loan and what happens after you apply.
Complete this form on your computer or print and fill it in by hand.
Right click on the link and select 'save target as' or 'save link as' to download the form.
Open the form using Acrobat Reader. Download a free version of Adobe Acrobat Reader DC software.
Save the application form regularly as you are filling it in.
The form will not work when opened in a web browser or other software, e.g. Microsoft Edge, Chrome, Safari, Preview.
You must include your business cash flow budget with your application.
We will use this to help assess your financial position, and your ability to repay the loan.
If you do not have your own budget spreadsheet, you can use our template.
Note: This template may not meet government accessibility requirements. Contact us for help.
You may need to make a statutory declaration to support your application.
You may be required to provide a guarantor's asset and liability statement with your application.
We will assess your application against the criteria in the loan.
Read the detail on who can apply for a loan and what happens after you apply.
Complete this form on your computer or print and fill it in by hand.
Right click on the link and select 'save target as' or 'save link as' to download the form.
Open the form using Acrobat Reader. Download a free version of Adobe Acrobat Reader DC software.
Save the application form regularly as you are filling it in.
The form will not work when opened in a web browser or other software, e.g. Microsoft Edge, Chrome, Safari, Preview.
You must include your business cash flow budget with your application.
We will use this to help assess your financial position, and your ability to repay the loan.
If you do not have your own budget spreadsheet, you can use our template.
Note: This template may not meet government accessibility requirements. Contact us for help.
You may need to make a statutory declaration to support your application.
You may be required to provide a guarantor's asset and liability statement with your application.
If you have questions about your loan:
Call us on 1800 875 675
Email us through our online contact form
The Rural Financial Counselling Service (RFCS) can help with your application.
RIC loans are building a stronger regional Australia for farmers and farm-related small businesses.
