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Australian Government Economic Resilience Program

The Australian Government is providing support for businesses impacted by the Middle East conflict via the Economic Resilience Program. The program is delivered by the National Reconstruction Fund on behalf of the Australian Government and run in partnership with participating banks.

If your business has been impacted by rising fuel costs and global market disruptions related to the current conflict in the Middle East, the program may help you manage costs with a zero-interest loan.

ANZ is participating in the program and can help you understand whether you’re eligible and how to apply.

ANZ customers can talk to us today to discuss options.

Talk to an ANZ Business Specialist

Mon-Fri 9am to 4pm (Sydney/Melbourne time)

Call 1800 956 420  Request a call back

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About the Economic Resilience Program

Key benefits

Eligibility

Support if not eligible

About the Economic Resilience Program

 

The Economic Resilience Program is an Australian Government initiative that provides support for eligible Australian businesses impacted by market disruptions related to the current Middle East conflict.

The program is designed to keep businesses moving by providing zero-interest loans for up to two years, helping them to manage rising costs, recover from disruption and, where relevant, secure and scale critical production activities and supply chains.

 

Key benefits of the program

 

Zero-interest loans

Reduce financial pressure and keep your business moving with zero-interest loans for up to two years.

 

Manage rising costs

The program is designed to help businesses impacted by rising costs including fuel and broader supply chain disruption related to the current conflict in the Middle East.

ANZ is a participating bank

ANZ has been allocated funds under the program to support eligible businesses to access zero-interest loans for up to two years.

 

Is your business eligible?

 

These loans are intended to support manufacturers and logistics companies, in areas including freight, fuel, fertiliser and plastics. Eligibility depends on both program criteria and bank credit assessment and loans will only be available until expiry of ANZ’s allocation.

  • Australian Bureau of Statistics ANZSIC codes will be used to assess whether an applicant business belongs to an eligible sector of the economy.
  • Businesses will be required to demonstrate how they have been materially impacted by market disruption. ANZ can offer guidance around the kinds of documents that may be used to demonstrate this.
  • Businesses with an annual turnover of less than $100 million can apply for a zero-interest loan of up to $5 million.
  • Businesses with an annual turnover in excess of $100 million or who are seeking more than $5 million will need to apply directly to the NRF to be considered for a zero-interest loan.

Important information

  • These are loans, not grants, and businesses will be required to pay back the principal at the end of the loan term, therefore these loans will be subject to normal credit assessment processes.
  • Loans provided by ANZ under the program could be used to defray increased cost of fuel or related inputs or assist a company’s recovery from market disruption.
  • Loans under the program can’t be used for certain purposes, including to refinance existing debt.
  • Fees and charges will apply but loans will be zero interest for up to two years.

 

Support for businesses that are not eligible

 

If your business isn’t eligible for a zero-interest loan under the program, we’re still here to help you. ANZ provides a range of options for individuals and businesses who might require support. 

Learn more

Your questions answered

 

The Australian Government has announced a $1 billion Economic Resilience Program to be drawn from the $15 billion National Reconstruction Fund (NRF).

Zero-interest loans funded through the Economic Resilience Program are designed to support manufacturers and logistics companies to manage rising costs associated with market disruptions including freight, fuel, fertiliser and plastics, as well as keep Australia’s industries moving, and secure and scale critical production activities.

Support provided through the Economic Resilience Program will be in the form of zero-interest loans for up to two years. These are loans, not grants, and businesses will be required to pay back the principal at the end of the loan term.

The program involves:

  • Zero-interest loans of up to $5 million administered directly by ANZ and other participating Australian banks to eligible, current business customers who have been materially impacted by market disruptions in the context of the current conflict in the Middle East.
  • Zero-interest loans of more than $5 million or for companies with turnover greater than $100 million directly administered by the NRF.

The NRF is a $15 billion government-backed sovereign fund investing in manufacturing, logistics and industrial capability across eight Priority Areas of the Australian economy.

The NRF works to maintain and build resilience and deliver sovereign capability, supporting current industries as well as helping to develop future ones.

Loans are intended to support manufacturers and logistics companies in areas of the economy such as freight, fuel, fertiliser and plastics that face significant market disruption in the context of the current conflict in the Middle East.

The minimum loan size available for ANZ customers is $10,000.

Loans under the bank-administered part of the program are capped at $5 million.

Loan requests in excess of $5 million (or for companies with turnover greater than $100 million) must be made directly to the NRF.

For loans under the bank-administered part of the program, the principal amount of the loan must be repaid at the end of the loan term. No interest is payable on these loans for up to two years.

Timeframes for loans provided by the NRF are tailored to customer needs.

ANZ’s allocation under the program is limited, meaning loans may only be available for a short period.

The Economic Resilience Program has been created to offer support for a wide variety of Australian businesses, including small to medium enterprises.

Businesses with annual turnover of less than $100 million can apply to ANZ for a zero-interest loan.

Businesses with annual turnover in excess of $100 million must apply directly to the NRF to be considered for a zero-interest loan.

While there is zero interest payable on the loans for up to two years, each loan will be subject to ANZ's usual fee structure and other terms and conditions.

No. The NRF is not permitted to provide grants.

Assistance will be in the form of zero-interest loans for up to two years with a requirement that the principal amount of the loan be repaid in full at the end of the loan term.

No. These are not permitted uses of the Economic Resilience Program.

Defray increased costs as a result of fuel prices or related inputs sharply rising as a result of market disruption. 

Assist a business recover from supply chain, including fuel-related, market disruption.

Increase production of critical products such as fuels, fertiliser and plastics, where Australia has an urgent need to increase sovereign capability in critical supply chains.

To be considered eligible for the ANZ-administered part of the program, businesses will need to satisfy certain requirements, including that they are:

  • An Australian entity with a valid ABN.
  • Involved predominantly in manufacturing or logistics in one of the industries targeted for support.
  • Adversely economically affected by a market disruption event.

This will be determined according to the Australian and New Zealand Standard Industrial Classification (ANZSIC) framework issued by the Australian Bureau of Statistics (ABS).

Each business in Australia is allocated an ANZSIC code, which determines how it is classified by the Australian Government. The NRF will publish a list of eligible ANZSIC codes, and businesses will be required to show that the majority of their business activity falls within approved codes.

If your business has annual turnover of less than $100 million and you are seeking a loan of $5 million or less, apply by contacting your ANZ Business banker, see contact information at top of this page.

If your business has annual turnover of more than $100 million or you are seeking a loan of more than $5 million you will need to apply directly to the NRF via erp@nrf.gov.au.

Interest rates are current as at and are subject to change.

Any advice does not take into account your personal needs, financial circumstances or objectives and you should consider whether it is appropriate for you.

ANZ recommends you read the applicable Terms and Conditions and the ANZ Financial Services Guide (PDF) before acquiring the product.

Products are available to approved applicants for business purposes only. All applications for credit are subject to ANZ's normal credit approval criteria. Terms and conditions, Fees and charges and eligibility criteria apply.

We recommend you obtain independent advice from a financial planner and registered tax agent if you are considering whether these products are right for you.

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