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Capital for social enterprises and Indigenous businesses

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 loansUnsecured 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

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

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Christie's Emporium

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

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STREAT

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

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The Integrated Medical Centre

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

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‘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.

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