Rural and Regional Adjustment Regulation 2011

the applicant is a primary producer, small business owner or non-profit organisation; and

immediately before the eligible disaster—

the applicant carried on a primary production enterprise, small business or non-profit activities (each a relevant activity) in the defined disaster area; or

the applicant had been carrying on a relevant activity in the defined disaster area on a regular basis; or

assets used by the applicant to carry on a relevant activity were situated in the defined disaster area; and

the applicant has suffered, as a direct result of the eligible disaster—

damage to the assets used for carrying on the relevant activity; or

a significant loss of income; and

there are reasonable prospects for the long-term viability of the relevant activity if the assistance is provided; and

the applicant can not, from the applicant’s own resources and without assistance under the scheme—

repair or replace assets directly damaged as a result of the eligible disaster; or

return to operations at a similar level as before the eligible disaster; and

the applicant has not received another concessional loan for loss or damage that was related to the eligible disaster; and

the applicant demonstrates the ability to repay the loan applied for; and

for assistance, other than assistance to refinance an eligible commercial loan—the applicant has used all liquid assets and normal credit sources up to normal limits; and

for assistance to refinance an eligible commercial loan—

the applicant has suffered the damage to assets or loss of income mentioned in paragraph (c) as a direct result of the 2019–2020 extraordinary bushfire disaster; and

immediately before the applicant was affected by the 2019–2020 extraordinary bushfire disaster, the applicant held an eligible commercial loan relating to the relevant activity; and

the applicant can not refinance the loan from the applicant’s own resources and without assistance under the scheme.