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Extraordinary Bushfire Assistance Loans - Small Business

Small business whose assets have been significantly damaged as a direct result of the Queensland Bushfires, September - December 2019 disaster events may be able to access low interest loans of up to $500,000.

The Extraordinary Bushfire Assistance Loans are intended to help eligible small businesses pay for costs of repairing or replacing assets lost or damaged because of the disaster and to provide working capital to assist entities meet expenses.

What assistance is available?

These concessional loans are provided to assist you to re-establish the normal operations of your small business by covering costs such as:

  • repairing or replacing damaged plant, equipment or buildings.
  • meeting carry-on requirements including:
    • paying salaries or wages;
    • paying creditors;
    • paying rent and rates;
    • buying goods, including fuel, for the purpose of carrying on the small business activities.


Loan amount

  • Maximum of $500,000

Maximum term

  • Up to 10 years


  • The first two years for the term of the loan do not require repayments of either principal or interest.
  • Following the initial two years, principal and interest repayments apply


  • A loan under the scheme must be secured by a mortgage of land and other assets satisfactory to QRIDA.


  • No establishment fees, no account maintenance fees and no fees for early payout.

Interest rates

  • The annual interest rate from the third year is 0.82%.

Defined Disaster Areas

Extraordinary Bushfire Assistance Loans for small businesses have been activated for the following events and local government areas:

Queensland Bushfires, September – December 2019:

  • Bundaberg Regional Council
  • Gladstone Regional Council
  • Livingstone Shire Council
  • Noosa Shire Council
  • Scenic Rim Regional Council
  • Somerset Regional Council
  • Southern Downs Regional Council
  • Sunshine Coast Regional Council
  • Toowoomba Regional Council

Should you have any queries in relation to the Disaster Recovery Funding Arrangements 2018 please contact us on Freecall 1800 623 946 or contact your nearest Regional Area Manager .

QRIDA administers financial assistance to disaster affected primary producers, businesses and non-profit organisations under the joint Commonwealth / Queensland Government funded Disaster Recovery Funding Arrangements 2018.

Related information

Key tips for applicants:

1. take photos of damage
2. keep your paperwork; receipts, invoices, quotes and estimates etc.
3. contact us with any questions

Other support agencies

Lifeline 131 114

Beyond Blue 1300 224 636

Salvation Army 1300 362 622

Current disaster activations

Queensland Bushfires, September - December 2019 (PDF)

For all other events please visit the Queensland Reconstruction Authority website.

Contact us

Freecall 1800 623 946


Regional Area Managers

Reviewing a decision

This is a joint Commonwealth/Queensland Government funded assistance scheme under the Disaster Recovery Funding Arrangements (DRFA)

Last updated
3 September 2020