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Discover if a RIC loan is right for you
RIC specialises in low-interest loans with a focus on assisting eligible farm businesses, farm-related businesses and producers to manage through, recover and prepare when faced with significant financial impacts from unforeseen events outside of their control such as drought, natural disaster, biosecurity risks, market closures and cumulative events, marine harmful algal blooms and marine heatwaves.
RIC’s low-interest loans improve cash flow and provide financial ‘breathing space’ to recover and rebuild, plan, fund risk mitigation activities and adapt practices to be ready and prepared for potential future business impacts.
RIC loans also help accelerate business plans for first farmers and support succession planning.
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
Help to manage through, recover from, and prepare for drought
$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
Drought Hardship Loan
Drought Hardship Loan
Help manage through and recover from prolonged and severe drought.
$250k
Maximum amount
5.18%
Variable rate*
5
Year term
No
Payments in first 2 years**
Use this loan to:
- pay operating costs
- buy fodder and cart water
- pay transport of livestock, or produce
Marine Recovery Loan
Marine Recovery Loan
Manage through and recover from the South Australian algal bloom.
$250k
Maximum amount
5.18%
Variable rate*
10
Year term
5
Years interest only
Use this loan to:
- refinance your debt
- pay operating expenses
- capital expenditure
* Interest rate effective 1 February 2026. Interest rates reviewed every 6 months.
** Interest will accrue in the first 2 years to be paid within the 5-year loan term.
Fact sheets
RIC Farm Loans Fast Facts
Simple fact sheet to learn more about low-cost RIC farm loans.
RIC 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 Loans at a glance
A brief side-by-side comparison of our loan product interest rates and terms.
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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.