COVID-19 Small Business Cashflow Scheme (SBCS)

The Small Business Cashflow (Loan) Scheme (SBCS) supported small to medium businesses and organisations struggling with revenue loss due to COVID-19.

Applications are now closed.

The loan repayment period is 5 years (60 months) from the date of the loan.

The first 2 years of existing and new loans are interest-free as long as the loan is not in default. Interest is 3% a year on the remaining loan balance from the first day of the third year of the loan period.

Received the SBCS loan and now thing you were not eligible?

Make a Small Business Cashflow Scheme disclosure

Pages in this section

Eligibility for the Small Business Cashflow Scheme The scheme provided loans to small to medium businesses or organisations that were affected by COVID-19. Applications are now closed and this information is a summary for you to refer to
Top-up Loan The top-up loan was introduced in March 2022 for existing SBC borrowers. The top-up loan was $10,000, plus any amount the borrowers were eligible for but did not take in their first loan.
If you default on the Small Business Cashflow Scheme loan You need to repay your entire loan immediately if you default and we demand full payment.
Interest and Repayment You have 5 years from your loan’s date of approval to pay off the loan.
Repaying the Small Business Cashflow Scheme loan You'll need to make repayments if your business or organisation receives a loan through the Small Business Cashflow Scheme.

Small Business Cashflow Loan Scheme COVID-19 Small Business Cashflow Scheme (SBCS)

COVID-19 Small Business Cashflow Scheme (SBCS)