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The farm innovation fund provides a long term, low interest loan to NSW farmers for permanent on-farm infrastructure.

Farmers can borrow up to a maximum of $1 million per project, with a total of $1 million outstanding at any one time. The aim of the fund is to help farmers:

  • improve farm productivity
  • manage adverse seasonal conditions
  • ensure long term sustainability.

Note: As part of the NSW government's drought relief package, applicants who submit an application on or before 30 June 2020 will have their interest charges for the 2019/2020 financial years waived.


  • you must be the owner or operator of the farm business where the work will be carried out
  • your gross off-farm assets must not exceed $5 million.

What you need

  • signed mortgage lender's consent form from your existing mortgagee
  • last 3 years' balance sheets and financial statements of your farm business, including:
    • profit and loss statements
    • stock trading account
    • depreciation schedules.
  • last 3 years' individual tax returns and a current listing of all assets and liabilities for each:
    • individual director(s)/shareholder(s) of all companies
    • individual members of a partnership/family trust.
  • your farm business and risk assessment plan (Farm Business Plan Template – DOC)
  • the monthly cash flow budget for the next 12 months
  • a copy of your current LGA (council) rates and LLS rates notice(s) for the property(s) where the work is to be completed.

How to apply

  1. Select the 'Apply online' button.
  2. Complete the online form.
  3. Upload the required documentation.

If you're unable to apply online:

  1. Download and complete Farm innovation fund application form – DOC
  2. Gather all the required documentation.
  3. Lodge your application using the details on the form.
You'll be taken to another website.