POMS Recovery Concessional Loan Scheme
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1 POMS Recvery Cncessinal Lan Scheme The Scheme at a Glance The Tasmanian Gvernment is prviding a Lan Scheme f $5 millin t ffset the effects f the Pacific Oyster Mrtality Syndrme (POMS). Key features f the POMS Recvery Cncessinal Lan Scheme: Lans f up t $ fr eligible Tasmanian wned and perated Oyster Grwers, Hatcheries and Nurseries (affected businesses) that are lcated in areas affected by the Pacific Oyster Mrtality Syndrme (POMS). Lan amunts will generally be n less than $ Lans will be available t affected businesses fr: Stck purchases and clean-up csts Operating csts necessary t restart, cntinue and redevelp peratins whilst recvery ccurs Mdificatins t infrastructure t mitigate against future POMS events Recnstructin f existing business term debt. The maximum lan term will nrmally be up t 5 years, althugh lnger terms may be cnsidered in specific circumstances. Variable cncessinal interest rates will apply, currently in the rder f 3.90 per cent per annum, fr a maximum perid f five years. Interest nly payments are available fr a maximum f 5 years. Lans must be repaid in full r fully refinanced at the end f the agreed lan term. Applicatins will be assessed n the criteria cntained within these guidelines. Are Yu Eligible t Apply? T help decide whether yu are eligible t be cnsidered fr a lan, yu shuld be able t answer yes t all f these questins: 1. Was my yster business sustainable leading up t POMS? 2. Can my yster business meet all its financial cmmitments ver the agreed lan term f a POMS Recvery Cncessinal Lan Scheme? 3. Will my business expect t be in a psitin t repay the prpsed lan within five years?
2 T determine yur eligibility t apply fr an POMS Recvery Cncessinal Lan Scheme, yu must: 1. Demnstrate that yur business can: meet the eligibility criteria t be assessed fr the scheme. 2. Speak with ne f ur Agribusiness Finance Managers by calling Business Tasmania n : Once yu have spken t ur Agribusiness Finance Manager, yu must cmplete and submit an applicatin frm (available frm the ) including the required supprting financial infrmatin/dcumentatin Yu must prvide a brief synpsis that shws hw yur business will achieve its lng-term bjectives. 3. Be able t prvide suitable security fr the lan. POMS Recvery Cncessinal Lan Scheme 1. Objective The POMS Recvery Cncessinal Lan Scheme will prvide financial assistance t Tasmanian yster grwers that have been affected by POMS, as indicated by the Department f Primary Industries, Parks, Water and Envirnment. Assistance is being prvided t assist eligible businesses t undertake the fllwing activities that therwise culd nt be funded under nrmal banking arrangements: Stck purchases and clean-up csts Operating csts necessary t restart, cntinue and redevelp peratins whilst recvery ccurs Mdificatins t infrastructure t mitigate against future POMS events Recnstructin f existing business term debt. 2. Applicatin Perid Applicatins fr the POMS Recvery Cncessinal Lan Scheme will pen in April 2016 and may remain pen until 1 December If the $5 millin ttal funding allcatin fr the Scheme is fully cmmitted prir t the clsing date fr applicatins, the applicatin perid may clse early and n further applicatins will be cnsidered. If this happens, ntificatin f clsure will be published n the s website ( and thse businesses that have already ldged an applicatin will be advised in writing.
3 3. Csts Applicants are respnsible fr csts incurred by them in the preparatin and ldgement f a cmplete applicatin. Successful lan applicants will reimburse Crwn Law legal fees assciated with the preparatin f lan dcuments. If required, ther csts assciated with the prpsed lan, fr example valuatin fees, will als be payable by the applicant. 4. Hw t Apply Yu must call ne f ur Agribusiness Finance Managers thrugh Business Tasmania n An applicatin frm will be prvided by ur Agribusiness staff nce yur eligibility has been cnfirmed. Eligible applicants shuld ldge their cmpleted applicatin frms including required dcumentatin t the Rural Finance Manager GPO Bx 536 Hbart TAS businessfinance@stategrwth.tas.gv.au Applicatins ldged after the applicatin perid clsing dates will nt be accepted. Details f applicatin perids, including pening and clsing dates and funding allcatins will be available n the s website at r by cntacting Business Tasmania n Lan Assessment Cmpleted applicatins will generally be assessed in rder f receipt. The may liaise with the applicant, its bankers and prfessinal advisrs as required t cnfirm and verify dcumentary evidence and infrmatin prvided. Incmplete applicatins will nt be assessed until all the required infrmatin is prvided by the applicant. Where an applicatin has been submitted, the may request additinal infrmatin frm the applicant t facilitate assessment f their applicatin. If the additinal infrmatin requested is nt prvided within the required timeframe, the applicatin will nt be cnsidered. The may seek t visit and inspect the site t assist with its assessment and decisin-making prcess.
4 6. Eligibility Criteria fr Assessment T be eligible t apply applicants must: Be a Tasmanian wned yster farm, nursery r hatchery perating in a POMS declared area; All applicants must: Cmplete the lan applicatin frm Operate as a sle trader, trust, partnership r private cmpany Demnstrate a clear need fr the lan, t the satisfactin f the Include a brief synpsis, t the satisfactin f the department, f hw yur business will recver frm POMS Demnstrate the financial viability f yur business befre POMS was declared in January Demnstrate that yur business will be sustainable within the agreed lan perid, Be registered fr tax purpses in Australia with an Australian Business Number (ABN) and be registered fr GST. 7. Lan Security Tasmania Develpment and Resurces (TDR) is the legal entity that will prvide the lan funds n behalf f the. Successful applicants may be required t prvide suitable lan security that TDR cnsiders necessary in accrdance with established security requirements and cmmensurate with the amunt f the lan. Where applicable, assets prvided as security must be insured (e.g. against fire and ther perils) t the satisfactin f TDR. Other nn-freehld assets such as leasehld assets, livestck, plant, equipment r ther tangible assets may be cnsidered fr security purpses. 8. General Cnditins f the Lan Scheme 8.1 Lan Amunts Applicatins fr lan amunts ranging frm a minimum f $ t a maximum f $ will be accepted. 8.2 Lan Terms The term f the lan is up t five years. Hwever, lnger lan terms may be cnsidered in specific circumstances and n a case by case basis.
5 8.3 Interest Rate A variable cncessinal interest rate will apply fr the first five years f the lan, currently 3.90 per cent per annum. The cncessinal lan interest rate may be withdrawn and TDR cmmercial rates may apply if the lan instalments are nt paid by the required due date by the lan recipient r if the lan becmes nn-cmpliant. Cncessinal lan interest rates will return t TDR cmmercial rates (which are higher than the cncessinal rate) after expiry f a perid f n mre than five years. The lan interest rate will be reviewed n a regular basis. The will ntify Lan Recipients in writing when changes take effect. 8.4 Lan Drawdwns Lan drawdwns will be made available t a successful applicant by TDR nce all the legal dcumentatin has been prvided and the successful applicant has prvided evidence fr the amunts t be paid in accrdance with the agreed terms and cnditins f the lan. This culd be in the frm f a settlement arrangement, invice r receipt f gds and services. 8.5 Lan Repayment The repayment amunts and repayment frequency ffered t successful applicants will be determined by TDR based n its assessment and will be detailed in the Lan Agreement. The minimum repayment in the five year cncessinal perid is the interest cmpnent. Principal lan repayments may begin when the business reaches an agreed threshld OR at a defined time determined based n infrmatin prvided in the applicant s applicatin, business case r a review f the business during the term f the lan. Cnditins relating t lan repayments, arrears, defaults, fees, csts and penalties will be as detailed by TDR in the Lan Agreement. At any time during the five year term f the lan, lan recipients may repay the whle r any part f their lan, withut incurring any additinal fees r penalty interest. In n circumstances can lan recipients redraw n repaid lan amunts r transfer the lan t anther yster lease lcatin if the existing yster lease is sld. 8.6 Financial Reprting Regular financial and perating reprting will be required during the term f the lan. Generally this will encmpass an annual review f financial statements and peratinal budgets.
6 9. Decisin making Officers f the will undertake an assessment f applicatins in accrdance with these guidelines n behalf f TDR. TDR, and where apprpriate, respnsible Ministers will be slely respnsible fr making decisins abut successful applicants and applicatin reviews in accrdance with these guidelines, its usual prcesses and the Tasmanian Develpment Act 1983.
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