Funding desk · Deliver the work you win

Find the money to deliver the work.

Verified grants, loans and equity from government DFIs (IDC, SEFA, NEF, Land Bank, TIA) and corporate enterprise development programmes, in one place. Won a tender and need working capital? Start here.

7 of 7
7 verified programmes6 institutionsA$1K to A$1bn ticket sizesReviewed June 2026
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Funding institutions
Top opportunities this month

Recently reviewed and open for applications.

All programmes.

CEFDEBT/EQUITY
CEFC Clean Energy Finance
Clean Energy Finance Corporation
A$ 1.0M to A$ 50.0M

Flexible debt and equity for proven clean-energy technologies with commercial returns.

Businesses commercialising clean energy technologies
Programme details
AREGRANT
ARENA Advancing Renewables
Australian Renewable Energy Agency
A$ 100K to A$ 50.0M

Competitive grants for renewable-energy projects that reduce emissions and drive down costs.

Projects advancing renewable energy, storage and hydrogen
Programme details
AUSGRANT + ADVISORY
Entrepreneurs' Programme
Australian Government AusIndustry
A$0 to A$ 1.0M

Practical advice and co-funded grants for business transformation, growth and commercialisation.

SMEs seeking business improvement, growth or commercialisation support
Programme details
AUSTAX OFFSET
R&D Tax Incentive
Joint AusIndustry and ATO program
A$0 to A$ 0

A targeted tax offset for companies of all sizes undertaking eligible R&D activities.

Companies conducting eligible research and development
Programme details
AUSCO-INVESTMENT
Modern Manufacturing Initiative
Australian Government
A$ 1.0M to A$ 20.0M

Co-investment to drive manufacturing scale, competitiveness and supply-chain resilience.

Manufacturers in national manufacturing priority areas
Programme details
NABLOAN
Business Overdraft & Term Loans
National Australia Bank
A$ 10K to A$ 5.0M

Working-capital and term-lending options for Australian SMEs.

Established businesses with trading history
Programme details
JUDLOAN
Judo Bank SME Term Loans
Judo Bank
A$ 250K to A$ 10.0M

Relationship-led term lending built for Australian small and medium businesses.

SMEs with security or strong cashflow
Programme details

TenderWin verifies each programme against the institution's published criteria, last reviewed June 2026. Amounts, criteria and windows change: always confirm on the institution's site before applying. TenderWin is not a credit provider and earns no commission from these listings.

Funding guides and resources

Step-by-step guides to accessing SMEs funding.

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Find funding by state

Location-specific and national programmes, side by side.

Most programmes are national; state-based agencies add local money on top. Pick your state to see everything available to a business based there.

Funding questions, answered straight.

Who qualifies for SMEs funding in Australia?

Registered Australian businesses that meet each programme's criteria. Most DFI programmes target 51%+ Indigenous-owned businesses with turnover under A$100M and a viable plan; several are reserved for women-owned or youth-owned (18 to 35) businesses. Each card above lists who it is for.

What is the difference between a grant, a loan and equity?

A grant is money you do not repay (rare, competitive: SAB Foundation, TIA, NYDA, dtic incentives). A loan is repaid with interest, usually below bank rates at DFIs like SEFA and NEF. Equity means the funder takes a shareholding, suited to high-growth businesses (Vumela, NEF uMnotho).

I won a tender but need money to deliver. What now?

That is bridging or contract finance: banks and specialist lenders (NAB, Judo and others) lend against a signed award letter or purchase order. Typical range A$50K to A$5M, repaid when government pays you. Have your award letter, ABN report and costing ready.

How long does approval take?

SEFA typically 4 to 6 weeks, IDC 6 to 8 weeks for under A$10M, NEF 8 to 12 weeks including due diligence. Corporate ESD funds vary. Apply before you need the money, not after you win.

Does TenderWin charge for these listings or take commission?

No. The funding desk is free, TenderWin is not a credit provider, and no institution pays to be listed. We verify each programme against its published criteria and review the list quarterly. Always confirm details on the institution's own site.

Found the tender? Now fund the delivery.

SEFA bridging finance against a signed award is the most-used product on this desk. Search live tenders, then come back.

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