COVID-19: Small business cash flow loan scheme eligibility tool

Use this tool to better understand your eligibility and how to apply for the Small business cash flow loan scheme.

The Small business cash flow loan scheme (SBCS) supports organisations and small to medium businesses affected by COVID-19 and has been extended until 31 December 2023.

If your business has 50 or fewer full-time equivalent staff, you may be eligible to receive a one-off loan. The maximum amount loaned is $10,000 plus $1,800 per full-time-equivalent employee. The annual interest rate will be 3% beginning from the date of the loan being provided. Interest will not be charged if the loan is fully paid back within two years.

Small business cash flow loan scheme (SBCS)(external link) — Inland Revenue

If you are unsure of whether you are eligible, this tool gives you a chance to think about what you should do next. It’s recommended that you also talk to those who can support you and your business, such as your tax agent, bank, accountant or advisor.

Step One. Are you registered and operating in New Zealand?

You qualify as registered if you have an IRD number, an NZBN, are registered as a company with the Companies Office, OR are GST registered. This includes small and medium businesses, NGOs, solo operators and self-employed (including contractors).

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