Capital for social enterprises and Indigenous businesses

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About you

The social enterprises and Indigenous businesses we work with create employment and training, service an unmet community need, or generate income for charitable purposes. We provide capital to a range of organisations that combine social impact with a sustainable business model, including:

Social enterprises
Indigenous businesses
Australian disability enterprises
Hybrid 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
We have over 15 years’ experience working with Australia’s leading social enterprises, including STREAT and Vanguard Laundry Services
Enterprises supported by SVA have been nationally recognised, winning Australian Social Enterprise Awards in 2014, 2015 and 2016

Vanguard Laundry Service was the winner of the ‘Capital for Impact’ award at Social Enterprise Awards 2016

Our offering

Our offering

	Secured loans	Unsecured loans
Key investment criteria	Ability to create meaningful social outcomes for people experiencing disadvantage in Australia (e.g. employment and training for disadvantaged Australians or servicing an unmet community need) Commercially viable business model For secured loans: typically, first ranking security with up to 70% loan to value ratio on property (LVR depending on the type of property used as security) For unsecured loans: Minimum $1M annual recurring revenue and cash flow positive with ability to comfortably service loan
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 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

Ability Enterprises

Investment theme: Employment for people experiencing mental health issues. Details: $163,000 secured loan to cover startup expenses Impact: Jobs for more than 40 people

Christie's Emporium

Investment theme: Jobs for people with disability. Details: $100,000 unsecured loan to finance acquisition of a small business. Impact: Jobs and support for 10 disadvantaged people in Mildura

STREAT

Investment theme: Training youth at risk. Details: $1.25m secured loan to build STREAT's Cromwell HQ in Collingwood. Impact: New café, catering kitchen, bakery and roaster to train 250 young people per year

The Integrated Medical Centre

Investment theme: Low cost community health. Details: $300,000 loan to establish a private GP clinic. Impact: Profits used to cross-subsidise free and discounted health services

‘Our partnership with SVA has been absolutely critical to our growth and success … SVA has provided us with an extraordinary level of business skills, critical thinking and support that was always perfectly targeted to our stage of evolution.’

Rebecca Scott, CEO STREAT

How it works

Here’s our six step process towards getting capital.

Rebecca Thomas

Contact Rebecca to talk about capital for social enterprises

Not you? Try capital for start-ups

SVA provides Series A investment and venture debt to start-ups that can create positive social impact at scale and strong financial returns to investors