Browse our Frequently asked questions (FAQs) for instant answers without having to reach out to our team.
Discover if a RIC loan is right for you
RIC specialises in low-interest loans with a focus on assisting eligible farm businesses and farm-related businesses to remain prosperous and grow.
AgriStarter Loan
AgriStarter Loan
To assist in buying or establishing a new farm and for farm succession arrangements
$2m
Maximum amount
5.18%
Variable rate*
10
Year term
5
Years interest only
Use this loan to:
- fund the purchase of an existing farm business
- buy out relatives during farm succession
- pay for legal costs or stamp duty
Farm Investment Loan
Farm Investment Loan
Recover, rebuild and prepare from severe business disruption.
$2m
Maximum amount
5.18%
Variable rate*
10
Year term
5
Years interest only
Use this loan to:
- refinance your debt
- pay your operating expenses
- enhance your productivity
Drought Loan
Drought Loan
For drought preparedness, management and recovery activities
$2m
Maximum amount
5.18%
Variable rate*
10
Year term
5
Years interest only
Use this loan to:
- prepare for drought
- fund drought management activities
- fund drought recovery activities
AgBiz Drought Loan
AgBiz Drought Loan
For farm-related small businesses to manage through, and recover from drought
$500k
Maximum amount
5.18%
Variable rate*
10
Year term
5
Years interest only
Use this loan to:
- pay your operating expenses
- refinance your debt
- pay suppliers, salaries, wages and rent
* Interest rate effective 1 February 2026. Interest rates reviewed every 6 months.
Fact sheets
RIC Farm Loans Fast Facts
Simple fact sheet to learn more about low-cost RIC farm loans.
RIC Farm Loans at a glance
A brief side-by-side comparison of our loan product interest rates and terms.
RIC Farm Loans Fast Facts
Simple fact sheet to learn more about low-cost RIC farm loans.
RIC Farm Loans at a glance
A brief side-by-side comparison of our loan product interest rates and terms.
Have a question?
How RIC makes a difference
RIC loans are building a stronger regional Australia for farmers and farm-related small businesses.
Ask a question
Get in touch with RIC if you have any questions about the loans we offer.