About Us

NAIF’s mission is to generate transformational growth for northern Australia through being an innovative financing partner.

A key focus of any financing is to drive public benefit, economic and population growth and Indigenous involvement in northern Australia.

NAIF is a development financier with a $5 billion lending facility provided by the Commonwealth Government that provides loans to infrastructure projects and businesses across northern Australia. NAIF does not provide its loans directly and instead all funding is provided via the territory and states of the Northern Territory, Queensland and Western Australia.

NAIF’s primary purpose is to accelerate infrastructure development and thereby drive transformational growth in northern Australia by innovative financing that:

  • Generates public benefit including that outside of what is captured by the project proponent;
  • Encourages longer term growth in the economy and population of northern Australia;
  • Encourages private sector participation in the financing of northern Australia’s infrastructure needs; and
  • Facilitates sustainable Indigenous participation, procurement and employment outcomes.

Where We Operate


NAIF Key Facts

  • NAIF investments can be used for the development of new infrastructure or materially enhancing existing infrastructure
  • NAIF can lend up to 100% of the debt, providing there is appropriate risk sharing
  • The project must have public benefit and have an Indigenous Engagement Strategy. This would usually be projects which will be able to service multiple users
  • Loans can be on concessional terms (relative to what a private sector financier can deliver), as long as the infrastructure generates public benefit and there is an ability to repay or refinance
  • NAIF has a higher tolerance for the unique risks of investing in northern Australia including but not limited to, distance, remoteness and climate
  • NAIF can look at projects across northern Australia  including the Northern Territory, and those parts of Queensland and Western Australia above the Tropic of Capricorn. As well as the regional centres of Gladstone, the Gladstone Hinterland, Carnarvon and Exmouth, as well as the Local Government Areas of Meekatharra and Wiluna in Western Australia
  • Importantly projects financed by the NAIF do not need to be entirely within these boundaries if they produce significant benefits to northern Australia
  • Investment Decisions are made by an independent Board who are supported by an experienced team of infrastructure financiers who work with proponents and other lenders to commercial timelines

NAIF’s values and behaviours

NAIF’s people & culture strategy underpins the development, engagement and alignment of its people to deliver and execute on NAIF’s strategy over the next four years and beyond. Central to this strategy are the following organisational values and behaviours:

  • Collaboration
  • Integrity
  • Making a Difference
  • Solutions Orientated