Almost 300 bushfire-hit businesses have applied for federal government loans but just one application has been approved.
More than 230 applications have been lodged in NSW since the program opened on February 3, with another 60 submitted in South Australia.
However, the only loan to have been approved so far is to a business in Queensland.
"The loans program has only recently opened," Prime Minister Scott Morrison told parliament on Wednesday.
Victoria is still developing the guidelines required to deliver the bushfire business loans.
Meanwhile, families affected by the bushfire season are being offered relief with childcare payments.
Volunteer firefighters and families affected by the disaster will be able to put public donations towards childcare fees for the next 12 months without risking their subsidies.
"This change will mean families have one less thing to worry about," Education Minister Dan Tehan said.
© AAP 2020