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Sustainability Loan - Primary producer

Sustainability Loans provide you with finance up to $650,000 to cover capital costs to achieve a more productive and sustainable primary production enterprise.

Improving enterprise efficiencies
Make your land work better for you by building fences, dams, storage facilities, improving irrigation, or establishing additional water points.
Implement on-farm value adding or supply chain initiatives to ensure your enterprise continues to be successful for years to come.

Upgrading or diversifying operations
Upgrade operations to improve productivity - buy or replace plant or machinery as part of your farm business planning, or diversify your operations.
If you would like to purchase livestock or machinery, QRAA can lend up to $200,000 for these purchases. You can also expand your enterprise in stages to best meet your cashflow.

Achieve long-term sustainability
Purchase equipment to meet environmental requirements, or drought/flood ‘proof’ your property. Implement sustainable resource management practices, including alternative energy systems to achieve long-term sustainability.

Joint lending with your bank
QRAA will consider joint lending options with your bank or other commercial lenders. If you require more than $650,000 or partial funding from QRAA for a specific project or activity, please discuss your options with us.

What can I use the loan for?
A range of activities that enable you to expand current operations to improve productivity or long-term sustainability, are eligible.

Please discuss your farming needs with us to find out how our loans can best suit you.

Loan amount
  • Up to $650,000
Loan term
  • Up to 20 years
Interest rate
  • Low interest rates fixed for 1, 3 or 5 years
    (Interest rates are subject to change in  January and July each year)
Fees and charges
  • Nil

If you meet the following requirements, you may be eligible for a Sustainability Loan:

  • be a full-time primary producer operating for at least 2 years
  • sound prospects for commercial viability
  • demonstrate financial need (Note: This does not require a decline by your commercial lender)
  • Provide an adequate management plan
  • a mortgage over land and/or other assets, satisfactory to QRAA with a value commensurate with the loan amount; and any other security QRAA considers necessary

Terms and conditions

Our programs are subject to terms and conditions that identify the required eligibility criteria for each loan as outlined in the program guidelines. For further information regarding eligibility criteria, please view the full terms and conditions in the Sustainability Loan guidelines or contact us on Freecall 1800 623 946.

How to apply...

When applying for a Sustainability Loan, you will need to complete an application form and submit this form to QRAA along with the documents stated on the application form including your management plan.  Please note that loans are subject to the availability of funding and applications will not enter the assessment queue until all information and supporting documents have been provided, regardless of any finance dates in place. QRAA requires at least 10 business days to convey a decision following receipt of all required documents.

Further information

Should you have any queries with regards to completing your application, please contact us on Freecall 1800 623 946 or contact your nearest regional Client Liaison Officer.

Apply now

Application form (565KB)

Application form - writable PDF
Guidelines (113KB)

To access the Sustainability Loan - Primary Producers application forms and all supporting documents, download the complete Application Pack

Last updated
31 March 2016