Resource Management Loans provide you with non-means tested finance to cover capital costs associated with implementing resource management practices to attain a greater level of sustainability and profitability.

Implement resource management practices...

Resource Management Loans provide you with the financial means to undertake a range of activities including:

• Establishing additional water points to more effectively use your pasture resources:
  • reduce stock travelling to water
  • improve water quality for domestic, stock and irrigation purposes
  • prevent soil erosion and degradation
• Effluent management and recycling
• Reclaiming degraded areas
• Fencing for landcare purposes
• Controlling exotic weeds and animals
• Managing vegetation
  

Are Resource Management Loans means tested?

No, Resource Management Loans are not means tested. That is, your application is not asset tested, but will be evaluated on the eligibility of your chosen activity and the financial capacity of your operation to repay the borrowings.

Loan Amount

The maximum amount of a loan, or the total outstanding loan balance under the Resource Management program is $300,000.

Interest Rates

To enable your interest payments to be consistent, QRAA can offer low interest rates over fixed terms of one, three or five years. Please view our current interest rates.

Interest-only options may be available, depending on your circumstances. Please discuss this option with us.

Repayment Terms

A maximum repayment term of up to 20 years applies.

Fees and Charges

As with all QRAA programs, no establishment, account keeping or early payout fees apply.

Terms and Conditions

Our programs are subject to terms and conditions that identify the required eligibility criteria for each loan. If you are interested in applying for a Resource Management loan, some of the key criteria that you will need to meet include:

• An ability to service the loan and sound prospects for commercial viability in the long term.
• Having occupied your primary production enterprise on a full-time working basis either as owner operator, leaseholder/sharefarmer/sharefisher, or as part of a small family company or partnership.
• Normally deriving your major source of income from your primary production enterprise.
• Obtaining a certification of the proposal (on Schedule of Activities - RMP A), from an appropriate Department of Primary Industries and Fisheries (DPI&F) or Department of Natural Resources and Water (NRW) local Officer to ensure your proposal is an eligible activity.

For further information regarding the eligibility criteria for Resource Management Loans, please contact us on Freecall 1800 623 946 or view the full terms and conditions for Resource Management Loans

Resource Management Loan Guidelines (57KB)
Resource Management Loan Guidelines (84KB)

Completing your Application

When applying for a Resource Management Loan, you will need to complete the following documents:

• QRAA Loan Application Form for Rural Producers (145KB)
  To be submitted to QRAA
• OnePlan Resource Management Project Plan(160KB)
  To be submitted to the Department of Natural Resources and Water
  
• Schedule of Activities (RMP A Form) (96KB)
  To be submitted to the Department of Natural Resources and Water
  
• Loan Certification (Form RMP B) (90KB)
  To be submitted to the Department of Natural Resources and Water

Should you have any queries with regards to completing the application forms, please contact us on Freecall 1800 623 946.

Further Information

The Resource Management Loan Fact Sheet (218KB) details concise information of the features and benefits of this program.

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