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Capital for not-for-profits and service providers

About you

We provide loans to service providers working in the following areas:

  • Disability
  • Health care (e.g. community health providers)
  • Mental health
  • Aged care and respite care
  • Social services
  • Family and community connections
  • Childcare
  • Employment
  • Aboriginal controlled organisations

About SVA

  • SVA is a not-for-profit who cares about your social mission as much as you do
  • We invest to create meaningful social outcomes for people experiencing disadvantage in Australia, alongside a financial return
  • In a tightening lending environment, we offer flexible, non-bank capital which can help unlock more complex and unusual transactions
  • We have over 15 years working with Australia’s social sector, investing approximately $100M and delivering 900 projects for over 400 consulting clients

Our offering

Secured loansUnsecured loans
Key investment criteria
  • Ability to create meaningful social outcomes for people experiencing disadvantage in Australia
  • Commercially viable business model
  • Security: typically, first ranking security with up to 70% loan to value ratio on property (LVR depending on the type of property used as security)
  • Ability to create meaningful social outcomes for people experiencing disadvantage in Australia
  • Minimum $1M annual recurring revenue
  • Cash flow positive with ability to comfortably service loan
  • Commercially viable business model
Key terms
  • Investment amount: $500K-$20M+
  • Loan repayment options: quarterly principal and interest payments, with options including balloon re-payment and initial interest only period
  • Maximum loan term: typically, 7-8 years (up to 10+ years on case-by-case basis)
  • Typical uses: purchasing property or assets, growth funding, business acquisitions
  • Investment amount: $500K-$2M+ (potentially larger for large not-for-profits)
  • Loan repayment options: quarterly principal and interest payments, with options including interest only periods and balloon repayments
  • Maximum loan term: typically, 5 years
  • Typical uses: growth funding, purchasing assets or property, business acquisitions

Current and past portfolio

Flourish - Resolve Social Benefit Bond

Flourish - Resolve Social Benefit Bond

Investment theme: Supporting mental health. Details: $7m social benefit bond. Impact: Funding for mental health supports including intensive residential care and peer support

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Glenview

Glenview

Investment theme: Dementia care. Details: $19m senior debt financing for the Korongee village. Impact: Construction of Australia’s first residential village designed specifically for people living with dementia

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Hutt St Centre - Aspire Social Impact Bond

Hutt St Centre - Aspire Social Impact Bond

Investment theme: Homelessness. Details: $9m social impact bond. Impact: Funding for a ‘housing first’ homelessness support service, designed to focus on strengthening community engagement and employment participation to people experiencing homelessness in Adelaide

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Life Without Barriers

Life Without Barriers

Investment theme: Disability housing. Details: $1m senior loan. Impact: Construction of quality disability housing in Queensland

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‘Conversations with financiers are often very different. It’s usually about returns and how much money is in the bank. Working with Social Ventures Australia changed my experience of the way that you can look at this. You can have a very meaningful story that engenders enthusiasm from financiers.’

Lucy O’Flaherty, CEO Glenview

How it works

Here’s our six step process towards getting capital.

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