Check this before you borrow
Disaster help and grants for businesses
Grants, concessional loans, tax relief, insurer obligations and free counselling. Official help comes first — then we fund whatever gap is left.
Finding disaster help
How to check whether your area is a declared disaster, where business assistance is listed, and how to find grants, loans and advice for your event.
Read more →Recovery grants
How disaster recovery grants for small businesses work in Australia — who funds them, typical uses, evidence required, tax treatment and funding the gap.
Read more →Concessional disaster loans
Low-interest disaster assistance loans for small businesses and primary producers — who offers them, what they cover and what to do while approval is pending.
Read more →ATO disaster support
What the ATO can do for a business after a flood, fire or cyclone — the Emergency Support Infoline, deferrals, replacement records and payment plans.
Read more →Tax on grants and payouts
Are disaster grants and insurance payouts taxable for Australian businesses? What the ATO says about NANE grants, stock payouts, assets and repairs.
Read more →Insurance complaints
Claim denied, underpaid or stuck? How a small business can complain to its insurer, when to take it to AFCA, and what to prepare so the dispute moves faster.
Read more →Free support services
Free financial counselling, recovery advice and mental health support for Australian business owners after a disaster or crisis — who to call and why.
Read more →Recovery contacts by state
Which agency runs disaster recovery and business help in your state — NSW, Queensland, Victoria and the rest — plus the national numbers to keep handy.
Read more →Checked the free help? Let's fund the gap.
Tell us what happened in about a minute. No credit check when you first enquire, your details stay with one team, and a real person calls you back.
No credit check to enquire
No spray-and-pray
A real person on your case