Australia has a great tradition of entrepreneurialism and innovation. Small businesses with less than four staff members make up 28 percent of all Australian businesses, and many organisations that are now household names started off as little more than a great idea.
Unfortunately, many aspiring small business owners on low incomes are excluded from the financial and support services they need to make their idea a reality. This results in a loss of opportunity for people and our economy.
The program supports individuals to develop and establish their own microenterprises – small businesses of five or fewer people. This is not a one-size-fits-all approach: the program is tailored to the needs of each participant.
Through research and consultation, we have identified six key supports that we believe are required to establish a microenterprise. These core services will be provided, dependent on the needs of each participant.
To be eligible, applicants must:
No two small businesses looks the same, but some examples might include a handyperson, hairdresser, craftsperson, tailor or gardener.
For more information, or to express your interest in our Microenterprise Program, call Nick Limberis, Microenterprise Coach, on (08) 8406 8800.
 Australian Bureau of Statistics, 8165.0 – Counts of Australian Businesses, including Entries and Exits, Jun 2012 to Jun 2016
No interest loans of between $300 - $1,200 for essentials goods and services such as white-goods, furniture, and education expenses.
Low interest loans of between $800 - $3,000 with no fees and affordable repayments offered in partnership with NAB.
Retail stores offering safe, fair and affordable financial services at prominent 'high street' locations in Victoria and South Australia.
Online learning, face-to-face training and webinars that maximise the skills and resources of microfinance workers across Australia.
A buying service which leverages the purchasing power of our national network to access the best prices, quality products and excellent customer service for clients.
A matched savings plan of up to $500 offered to people who have successfully repaid a NILS or StepUP loan, offered in partnership with NAB.
A national program providing organisations with a framework to support the development of a series of practical actions they can take to improve financial inclusion for employees, customers and communities.
Affordable, simple and effective insurance policies for people on low incomes, designed in partnership with some of Australia's leading insurers.