Hon GRANT ROBERTSON: On Friday, the Government announced the Small Business Cashflow Loan Scheme to provide graduated loans of up to $100,000 to viable businesses with 50 or fewer employees to give them access to cash flow to meet fixed costs such as rent. The scheme will provide $10,000 to each eligible firm, and, in addition, $1,800 per equivalent full-time employee. The interest rate will be 3 percent for a maximum of five years, with repayments not required for the first two years. The loans will be interest free if they are repaid within the first year. IRD will have the scheme up and running by 12 May to start accepting applications, and we expect the first lending decisions to be made about 48 hours after applications are received.