Farm Investment Loan Loans to make your farm business stronger, more resilient and more profitable.

Farm Investment Loan

Long term Farm recovery loans to make your farm business stronger, more resilient and more profitable. 

AQUAFOD can help assistance to eligible farmers to make an application to Federal Government's our struggling Australian farmers to diversify and innovate new production innovation.

Quick facts

Amount Up to $2 million Term 10 years
Early settlement No fee Interest rate ​1.77% variable rate
Apply Anytime Application fee No fee
Extra repayments No fee Redraw Not available​

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Who can apply

Eligible farm business owners

Amount

Up to $2 million

When

Apply anytime

Eligibility

You can apply for this loan if you solely or mainly sell products into supply chains that are interstate or outside Australia, or plan to in the future.

You

  • are an Australian citizen or permanent resident
  • contribute at least 75% of your labour to the farm business (under normal circumstances)
  • earn at least 50% of your income from the farm business (under normal circumstances)
  • own or lease land and use it for farming purposes (includes agistment)

Your business

  • is in financial need of a loan
  • has the capacity to repay the loan
  • is financially viable in the long term
  • has existing commercial debt
  • is in the agriculture, horticulture, pastoral, apiculture, or aquaculture industry
  • is registered for tax purposes in Australia with an ABN and is registered for GST
  • operates as a sole trader, trust, partnership or private company
  • is not under external administration or bankruptcy

You must

  • provide security for the loan
  • secure the support of your commercial lender for the proposed loan
  • repay the loan

More terms

Percentage of total debt — at least 50% of your total debt must stay with a commercial lender.

Frequency of repayments — tailored to the cash flow of the farm business.

Repayment structure — first 5 years interest only, then principal and interest for remainder of the 10 year term. After 10 years, you can refinance any remaining balance with a commercial lender.

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