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Natural Disaster Assistance - Small business

Natural disasters often occur when we least expect them. Should you be affected by a natural disaster such as floods, cyclones, storms or bushfires, financial assistance may be available from the Queensland Rural and Industry Development Authority (QRIDA).

What assistance is available?

A low interest loan up to $250,000 can assist you to re-establish your business by covering costs such as:

  • repairing or replacing damaged plant and equipment
  • repairing or replacing buildings
  • supplying stock for up to one month to replace lost stock and maintain liquidity of the business
  • meeting carry-on requirements including:
    • sustenance
    • paying rent and rates


Loan amount
  • Low interest loan up to a maximum of $250,000
Interest rate
  • A 1.16 per cent interest rate applies to Natural Disaster Assistance (Category B loans) activated from 1 July 2017 to 30 June 2018
Maximum term
  • Up to 7 years
  • If needed, up to 2 years interest only may be available
  • A lone under the scheme must be secured by a mortgage of land and other assets satisfactory to QRIDA


Establishment fees


Account maintenance fees


Early payout fees


Who is eligible to apply?

To be eligible for assistance, you must have received direct damage from an eligible natural disaster and your small business must be located in an activated local government area.

Please note that small businesses can only receive assistance under the Natural Disaster Assistance Scheme OR the Natural Disaster Assistance (Essential Working Capital) Scheme for an eligible disaster - not both.

Current disaster declarations

The Minister for Police, Fire and Emergency Services announced on 29 March 2017 that concessional loans are now available for small businesses affected by Severe Tropical Cyclone Debbie and associated rainfall and flooding, 28 March - 6 April 2017.

To apply for assistance for direct damage caused by Severe Tropical Cyclone Debbie and associated rainfall and flooding, you must be located in one of the following local government areas:

Activated local government areas for Small Business - Severe Tropical Cyclone Debbie and associated rainfall and flooding, 28 March - 6 April 2017 (current as at 13 April 2017)
Gold Coast City Council
Isaac Regional Council
Livingstone Shire Council
Logan City Council
Mackay Regional Council
Rockhampton Regional Council
Scenic Rim Regional Council
Whitsunday Regional Council

Should you have any queries in relation to the Natural Disaster Relief and Recovery Arrangements please contact QRIDA on Freecall 1800 623 946 or contact your nearest Regional Area Manager in one of our regional offices.

QRIDA administers financial assistance to disaster affected primary producers, businesses and non-profit organisations under the joint Commonwealth / Queensland Government funded Natural Disaster Relief and Recovery Arrangements (NDRRA).

Related information

Small Business Cashflow Spreadsheet (130KB)

Loan Review Form (170KB)

Consideration of Liquid Assets Factsheet (1,492KB)

Current natural disaster activations

Severe Tropical Cyclone Debbie and associated rainfall and flooding, 28 - 31 March 2017

For all other events please visit the Queensland Government Disaster Management website.

Australian Taxation Office (ATO)
Assistance for natural disasters

Natural Disaster Assistance Loans in action
Client stories - Natural Disaster Assistance Loans

Contact us
Freecall 1800 623 946

Media releases
Frequently Asked Questions
Regional Area Managers
Appealing a decision

This is a joint Commonwealth/Queensland Government funded assistance scheme under the Natural Disaster Relief and Recovery Arrangements (NDRRA)

Last updated
10 July 2017