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Double check your COVID-19 payments

If you’ve received 1 or more COVID-19 payments and do not meet all the eligibility requirements or have not complied with the terms and conditions for these payments, you need to declare this as soon as possible. Check the eligibility criteria below and the next steps if you think you were not eligible.

The RSP payments were to help support viable and ongoing businesses or organisations experiencing a 30% drop in revenue due to a COVID-19 increase to alert level 2 or higher.

There were up to 10 RSP payments. Applications started on 23 February 2021 and finished on 13 January 2022.

As part of the RSP application, the applicant was required to declare that they met the eligibility criteria and agree to terms and conditions. The applicant is also required to repay the RSP with interest if they do not comply with these terms and conditions.

 COVID-19 Resurgence Support Payment (RSP)

 Eligibility criteria for the RSP payments

To be eligible for the RSP, businesses or organisations must, at the time of application:

  • have an application from someone 18 years or older who agrees to the terms and conditions set out in the application
  • been physically present in New Zealand
  • been viable and ongoing
  • have had a New Zealand Business Number
  • been in business for 6 months or longer before the alert level increases on 15 February 2021 and then on 23 June 2021 (for RSPs 1-3)
  • been in business for at least 1 month before the alert level increase on 17 August 2021 (for RSPs 4-10)[1]
  • had at least a 30% drop in revenue or capital raising due to the increase in alert level. If the applicant was part of a commonly owned group, this 30% drop also had to be across the entire group
  • agreed to use the RSP on business expenses and to not pass it through to the shareholders or owners.

1 However, if the applicant had recently acquired an existing business after 17 July 2021, it may still have been eligible to apply for the RSP.

The CSP payment was set up to help support viable and ongoing businesses or organisations which experienced a 40% drop in revenue, as a result of the following Covid-19 circumstances:

  • the widespread presence of COVID-19 in New Zealand
  • the public health legislative measures taken in order to reduce the spread of Covid-19 in New Zealand
  • any business circumstances that are, or are reasonably likely to be, a consequence of the circumstances described above.

Three CSP payments were available up to 5 May 2022. The applicant was required to declare (as part of their CSP application) that they met the eligibility criteria and agreed to terms and conditions. The applicant is also required to repay the CSP with interest if they do not comply with these terms and conditions.

COVID-19 Support Payment (CSP)

Eligibility criteria for the CSP payments

To be eligible for the CSP, businesses or organisations must (at the time of application):

  • have an application from someone that is 18 years or older who agrees to the terms and conditions set out in the application
  • be physically present in New Zealand
  • be viable and ongoing
  • have a New Zealand Business Number
  • have been in business for at least 1 month before 16 February 2022[2]
  • have had at least a 40% drop in revenue or capital raising as a result of 1 or more COVID-19 circumstances. If the applicant is part of a commonly owned group, this 40% drop had to be across the entire group
  • have taken all reasonably practical steps to minimise the drop in revenue
  • if it is a regulated business or service, have operated in compliance with the COVID-19 Vaccine Certificate (CVC) requirements (whether following the CVC or non-CVC rules) for the affected revenue period and any period it is being compared with (or part of that period) if it should have been complying at the time 
  • for the first CSP payment not be a self-employed individual that received, has an application pending for, or applied for funding under the Cultural Sector Emergency Relief Fund
  • agree to use the CSP for business expenses and to not pass it on to shareholders or owners.

2 However, if the applicant had recently acquired an existing business after 16 January 2022, it may have been eligible to apply for a CSP.

The SBCS was set up to support viable and ongoing small to medium-sized businesses that had experienced a 30% drop in revenue due to COVID-19.

As part of the application, the applicant is required to declare that they meet the eligibility criteria and to agree to terms and conditions.

The SBCS is a base loan of up to $20,000 (originally this was $10,000 – but it increased in March 2022, with existing borrowers able to top up the difference, plus any amount that they were eligible for in their original loan but did not claim, if not in default) plus $1,800 per full time equivalent employees (up to 50 FTEs).

The loan has a 5-year term. The first 2 years of the loan are interest-free, provided 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. Default interest of 10% can also be charged under the terms and conditions for defaults under the loan.

COVID-19 Small Business Cashflow Scheme (SBCS)

Eligibility criteria for the SBCS loan payments

To be eligible for the SBCS loan, businesses or organisations must (at the time of application):

  • have an application from someone that is 18 years or older, has the right to apply for the loan on behalf of the borrower and agrees to the terms and conditions set out in the application
  • be physically present and legally working in New Zealand
  • be viable and ongoing
  • have a New Zealand Business Number
  • have 50 or fewer full-time-equivalent employees (FTEs) – with all individuals employed working legally in New Zealand. If the applicant is a member of a commonly owned group, this 50 FTE limit is measured across the whole group
  • have owned and operated the business for 6 months before making the application[3]
  • have had at least a 30% drop in revenue due to COVID-19 in a relevant 14 day period compared to the relevant earlier period[4]
  • agree to use the loan to pay core operating costs, capital costs or both, that are intended to help your business adapt to the circumstances as a result of COVID-19.  For applications before 9 November 2020 there was a requirement that the loan was used for core operating costs
  • agree that the loan will not be passed through to the shareholders or owners.

3 For applications before 28 January 2021 this requirement was that the applicant was in business before 1 April 2020.

4 For applications before 28 January 2021 this was a 30% decline in actual or predicted revenue due to COVID-19 from Jan 2020 to June 2020 as defined in the wage subsidy scheme.

If you think you incorrectly received a payment you were not eligible for

Email us at [email protected]

Please include:

  • your name
  • a contact number
  • the IRD number of the business or individual that made the claim
  • any details that you think are relevant (for example, the eligibility requirements that you did not meet, the terms and conditions that you may have breached, or both).

We will be in touch to confirm the eligibility of the payments and what the next steps will be.

Last updated: 22 Sep 2022
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