AusSchemes is not a government service. This information is general in nature and may not reflect the most recent eligibility rules or amounts. Always confirm details on the official source before applying.
NSW Rural Assistance Authority Loans
Low-interest concessional loans for eligible NSW farmers and rural businesses affected by drought, natural disasters, or financial hardship to help them recover and remain viable.
Indicative amount
Loans $5,000–$1M at concessional rates
Indicative amount only — confirm on the official page
What you get
Loans from $5,000 to $1 million at concessional interest rates (currently ~4–5% p.a.) with flexible repayment terms. Funds can be used for refinancing, operating expenses, infrastructure, or recovery costs.
Who it's for
Relevant life events: financial hardship, small business
How to apply
1. Apply through the NSW RAA website or by calling 1800 678 593. 2. Provide financial statements, business plan, and evidence of hardship or disaster impact. 3. An RAA officer assesses your application.
Documents you may need
- Farm or business financial statements
- Business plan
- Evidence of drought or disaster impact
- Tax returns (last 3 years)
- Property ownership documents
Informational only — confirm exact requirements on the official page.
You will be taken to www.raa.nsw.gov.au
Last reviewed by AusSchemes: 20 April 2026