Business emergency recovery

Disaster support for small business

Flooding Feb-March 2022 South Murwillumbah

Business Flood Impact Assessment flyer(PDF, 589KB)
Business Flood Impact Snapshot (PDF)

Tweed businesses impacted by natural disasters such as floods are advised there are a number of NSW Government support avenues available.

Storm and flood disaster small business recovery grants are available for businesses hit by floods.

In any circumstance, if your business has been impacted by flooding, it is crucial to take photos of damage as soon as it is safe to do so, as this will assist with future funding.

Businesses can register their details by visiting Services NSW business recovery.

Personalised support for individual businesses is offered by Service NSW by calling 13 77 88, or by registering a call back at Business ConciergeBusiness Concierge support can assist businesses affected by flood or storm damage, bushfires and COVID -19.

Other Assistance

Storm and flood assistance – business grants comparison

The NSW Government has compiled a guide to assist small businesses, not-for-profit organisations and primary producers impacted by the recent storms and floods.

These include the:

  • February and March 2022 storm and flood disaster recovery small business grant
  • $10,000 small business northern flood grant
  • Primary producer special disaster grants.

The Storm and flood assistance - business grants comparison guide will allow for easy comparisons of the grants available and work out which one suits your situation.

Disaster Recovery Allowance (DRA)

Natural disaster assistance is available to help businesses directly affected by floods with the Disaster Recovery Allowance (DRA) provided to affected Tweed businesses.

The DRA assists employees, small business persons and farmers who experience a loss of income as a direct result of a major disaster.

This allowance provides for a maximum of 13 weeks' payment from the date you have or will have a loss of income as a direct result of a disaster.

The DRA payment is set at the maximum equivalent rate of Jobseeker Payment or Youth Allowance, depending on your personal circumstances, and is taxable.

BizRebuild vouchers for small business

BizRebuild is a business-led initiative, developed by the Business Council of Australia, to provide practical and on the ground assistance to small and local businesses left devastated by the bushfires and floods.

BizRebuild is offering vouchers to help small businesses affected by the March 2022 storms and floods, in eligible NSW local government areas.

The vouchers available are:

  • $2,000 (incl GST) Retooling Voucher, and
  • $500 (incl GST) Business Advisory Voucher

How do business’s apply for BizRebuild vouchers?

Businesses can complete an online application at or visit BizRebuild and complete an online enquiry form to request further information.

How long will the application take to be processed?

Once a complete application is received, applicants will receive an outcome within 3-5 business days.

Does the business need to have been operating in a disaster declared local government areas (LGA)?


What are disaster declared LGAs?

Government support is available in local government areas (LGAs) that have been included in natural disaster declarations due to the heavy storms and flooding in NSW and QLD from Feb 2022 onwards.

To view a list of disaster declared LGA’s in NSW please visit Natural disaster declarations.

How will businesses receive their voucher once approved?

BizRebuild will send the eligible business an email with voucher details.

How long are the vouchers valid?

Vouchers are valid for six months. If businesses require an extension, they can contact BizRebuild by emailing

Are there recommended/pre-qualified suppliers?

No, but the intent is to use local businesses where possible. Suppliers must have a current ABN.

What type of equipment can the $2,000 Retooling Voucher be used for?

The types of tools or equipment will vary depending on the type of business and what is needed to get the business back up and running.

Which advisory services can the $500 Business Advisory Voucher be used for?

  • Accounting services
  • Appraisal and evaluation
  • Architectural/Interior design services
  • Financial planning
  • IT services
  • Legal services
  • Management consulting
  • Marketing/Web development services
  • Training and development

The Business Advisory Vouchers cannot be used to cover things like utility bills.

Where can I get more information about the vouchers?

All questions should be emailed to or visit BizRebuild.

Property Assessment and Demolition Program

The Property Assessment and Demolition (PAD) Program will provide insured and uninsured property owners in defined disaster areas (AGRN 1012) free structural assessments for eligible flood impacted properties.  

Residential, small business or primary producer property owners can register their interest to be notified when the program is available. 

Properties must be assessed by the State Emergency Service and deemed damaged (slight, moderate or severe) or destroyed.  

Primary Industry Support Package

The Primary Industry Support Package will provide financial support to primary producers in defined disaster areas (AGRN 1012) that have been significantly impacted by the 2022 floods.  

The program will complement the existing $75,000 Special Disaster Grant that is currently available.  

The Department of Regional NSW, Commonwealth Government and industry are working to finalise the guidelines and eligibility criteria in the coming weeks. 

Rural Landholder Grants

Grants of up to $25,000 will be available to impacted rural landholders in defined disaster areas (AGRN 1012) who are not currently eligible for assistance under existing programs. 

Rural landholders must be able to demonstrate losses and damage beyond their place of residence. 

What you need to apply for the storm and flood disaster recovery small business grant

  • a MyServiceNSW Account - you can create one when you start your application
  • your proof of identity
  • your valid ABN/ACN number
  • evidence of your non-profit status (if applicable)
  • your business banking details for payment.

In addition:

For any amount you're seeking up to $15,000, you'll need:

  • a list of the direct damage and the costs associated
  • photographic evidence of the direct damage
  • quotes for replacements, works or services
  • any other supporting information, such as damage assessments or receipts dated after the flood or storm event.

Note: If you're in a highly impacted suburb and you're applying for less than $15,000, as evidence of direct impact, you're only required to provide:

  • a list of the direct damage and costs associated
  • photographic evidence of the direct damage.

If you’re seeking more than $15,000, you'll need to provide invoices for completed work for the entire amount of funding for which you are applying.

Note: If you’re unable to provide evidence of direct damage, you may use other appropriate evidence to prove financial impact of the damage. We may request additional information and evidence to support your application.

To ensure your application is processed without delay:

  • When you enter details on how you propose to use the grant, make sure you include:
    • a list outlining each item that you intend to purchase using the funding
    • the known or estimated cost of each item
    • documentation to support each item, such as an official quotation, invoice or receipt dated from the date of the flooding in your local government area.
  • As an example, your itemised list could look like this:
    • Clean-up services for café – $5,000 – the quote for the clean-up service (from the cleaning company) is attached.
    • New refrigerator – $3,500 – the invoice for the fridge (from online wholesale supplier) is attached.
    • Coffee machine – $5,000 – the quote for the machine (from a wholesale supplier) is attached.
    • Shelving for café storeroom – $5,100 – the quote (from a certified carpenter) is attached.
  • If you are applying for an amount between $15,000 and $50,000, evidence of payment means:
    • an invoice including the name, address and ABN (if applicable) of the entity that issued the invoice and a description of each item included, clearly identifiable as being related to the approved expenditure and to damage from the eligible disaster
    • a receipt including the name and address and ABN (if applicable) of the entity that issued the receipt and a description of each item to which the receipt relates
    • a copy of your bank transfer and/or bank statement.

Note: The total amount that you are requesting from the grant should equal the amounts shown by your proposed expenditure.

Mental Health support for small businesses

Small business wellbeing flyer(PDF, 207KB)

Small business owners are significant contributors to the Australian economy—yet they suffer more from symptoms of depression and anxiety than the general population.

The Australian Government recognises that the mental health and wellbeing of small business owners is integral to the health and wellbeing of their business, and that small business owners need targeted support.

That is why the Australian Government is investing in a number of mental health and wellbeing initiatives that are specifically tailored to small business owners.

Ahead for Business is the only bespoke digital hub designed to promote the wellbeing of small business owners.

Delivered by mental health organisation, Everymind, the Ahead for Business digital hub empowers small business owners to be mentally healthy through tailored information and resources, peer-to-peer engagement, and personalised check-ups and action plans.

For more information visit Ahead for Business.

NewAccess for Small Business Owners (NASBO) is a free and confidential mental health coaching program delivered by Beyond Blue.

The program provides small business owners with up to six structured sessions with a trained mental health coach.

Coaches have a small business background, allowing them to better understand the challenges small business owners may face.

No GP referral or mental health treatment plan is required. The program is available nationally Monday to Friday 8am – 8pm AEST via phone or video call.

Any small business owners or sole traders who are feeling stressed, worried or overwhelmed can enquire about NASBO on 1300 945 301 or visit

Counting on U is a free online professional development program for business advisers delivered by Deakin University.

The program integrates mental health first aid training with relationship-centred, business mentoring to empower small business advisers to better support the mental wellbeing of their small business clients.

Counting on U, is run in partnership with the Institute of Public Accountants, CPA Australia, Chartered Accountants Australia and New Zealand, the Institute of Certified Bookkeepers, Beyond Blue, WorkSafe Victoria and Mental Health First Aid Australia.

Learn more about Counting on U


Food businesses

To our food businesses of the Tweed, as the flood waters recede, and you can safely gain access to your businesses to assess the damage, Council is here to help.

Floodwater can be contaminated with sewage, agricultural and industrial waste, and other substances that can cause illness. There is a danger that any food, surfaces and cooking utensils that have come into contact with floodwater might be contaminated.

Things to remember:

  • Spoiled or damaged food - discard food that might not be safe to eat or has come in contact with floodwater. Salvaging canned food for resale is not recommended.
  • Keep it cold - if the power supply is out for more than 4 hours, food in fridges can spoil. If frozen foods have thawed, they should not be refrozen but should be kept cold and eaten as soon as possible.
  • Cleaning - clean and sanitise surfaces and food utensils. Discard any cracked or damaged items including items made from porous material (wood, plastic, rubber) as they cannot be adequately sanitised.
  • Drinking water - private water supplies (such as tanks, wells and bores) may not be safe to drink and use for cooking and cleaning and should be tested before using again. For businesses connected Council’s water supply, please monitor Council’s water supply advice on this website or call 02 6670 2400.
  • Waste - please secure waste. Council’s waste contractor will reopen services as soon as possible.
  • Electrical equipment - have electrical equipment that has been impacted by floodwater checked by a licensed electrician before use.

Further advice or assistance

Please contact Council’s Environmental Health Officers on 02 6670 2400 or via Facebook.

NSW Food Authority 1300 552 406

NSW Health 02 9391 9000

During times of emergency, the Office of Emergency Management determines the need for and location of, Recovery Cerntres. The centres provide a one stop shop for affected residents, businesses and farmers to access recovery assistance from a range of agencies and organisations. For further information please see the Office of Emergency Management website

After an emergency passes, you will want to get your business back on its feet as quickly as possible. Please see What to do after an emergency for helpful information, tips and templates.

Telstra disaster relief assistance

Do you need advice or help about your phone service after an emergency? For residents and businesses affected by the flooding and other emergencies, Telstra are available to discuss connection options and access to relief packages. For further information please see Telstra's website or phone 132 200.