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Access impact finance

Flexible, impact-first loans that fit your cash flow and goals, so you can grow with confidence without compromising on your mission.

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DEBT YOU WON’T REGRET

What do we mean by ‘debt you won’t regret’?

Debt can sometimes be a scary word, but the right kind of debt can help you unlock even more impact for your organisation, and those you support.

As a social impact lender, we’ve helped over 75 organisations use loans as a strategic business tool to move beyond ‘just getting by’, reduce their reliance on grants, and to focus on delivering long-term, sustainable impact. 

So, yes, a loan with Sefa is still repayable – like all debt, but with the right structure and timing the benefits can be transformational for your organisation, and for your impact. Regrettable? We don’t think so!

Debt finance is a practical loan designed around your organisation’s cash flow. Sefa loans are fit-for-purpose, offer fair and flexible terms, and keep the sustainability of your business and impact at their core.

Taking on debt finance (aka a loan) is ideal when you want to bridge the gap to meet your next milestone, fund specific assets or grow your organisation and/or impact, all while keeping control of your organisation and mission.

We're all about right capital at the right time. If there’s no clear purpose for the loan, no repayment plan, or a lack of strong leadership in place – it might not be the right time to take on debt.  

However, there are plenty of ways you can build your readiness to take on funding of all kinds. See how Sefa can help.

However, there are plenty of ways you can build your readiness to take on funding of all kinds. See how Sefa can help.

Choose finance that fits your mission

  • Transition Loan

    Access working capital or interim finance to meet your next milestone; grant payment, contract kick-off or launch date. Keep impact delivery on track while revenue catches up.

    $200K - $500K

  • Home for Impact Loan

    Buy, lease or fit out the building your organisation needs to make an impact. From community hubs and clinical spaces to affordable homes for everyone...

    $200K - $2M

  • Growth Impact Loan

    Invest in people, programs and systems so you can take your impact to the next level without giving up equity or control of your mission.

    $50K - $750K

  • Procurement Readiness Impact Loan

    Secure the finance required to fulfil a confirmed procurement contract with government or another party. Ramp up with confidence!

    $200K - $1M

  • Blended finance

    Scaling fast or tackling a complex project? We’re experts in assembling aligned partners and investors to co-create large-scale impact-first deals.

    $500K - $2M+

  • Co-investment syndicates

    We’re experts in assembling aligned partners and investors to co-create large-scale impact-first deals.

    $1M - $5M+
Explore our impact
Applying for an Impact Loan

How it works

Step 1: Get started

Fill in the form below with a few details about your organisation and what you’re seeking funding for. It’s quick and easy.

Step 2: We’ll book in a chat

We’ll set up a call to hear your story, understand your goals and answer your questions.

Step 3: Reviewing the details

If it’s a good fit, we’ll look at your financials, plans and impact goals. Together we’ll shape a loan that works for your cash flow and mission.

Step 4: Investment Committee review

Your proposal goes to our Investment Committee. If approved, we’ll finalise the documents, checks and conditions.

Step 5: Receive funds and stay connected

Once everything’s signed, you’ll draw down funds and deliver your plan. We’ll check in along the way with reporting and ongoing support. 

At Sefa, most loans take around 6 months from first conversation to receiving the funds. If you already have a business plan and documents ready, it can be as quick as 2–3 months. Complex deals involving blended finance may take longer.

  • You are impact-focused organisation based in Australia 

  • Minimum $500k+ of annual revenue 

  • Can provide recent financials and forecast 

  • You have a clear use for the funds and a plan on how you’ll repay the loan

You’re eligible if you’re an impact-led Australian organisation with a clear use for funds, recent financials and forecasts, strong leadership and a realistic plan for repayments.

Ready to do more good?

Fill in the form below to take the first steps towards doing more good with Sefa.

FAQs

An impact-led organisation is one where creating positive social or environmental outcomes is at the heart of its purpose and core activities – not just a by-product. 

In practice, that means the organisation is intentionally focused on: 

  • tackling social disadvantage, or 

  • reducing or preventing environmental harm. 

If impact isn’t central to an organisation’s mission and day-to-day work, it won’t meet Sefa’s eligibility for investment.

Yes, you absolutely can still receive grants if you take on an impact loan. In fact, Sefa has structured many blended finance deals for organisations whereby they are receiving a loan and other forms of capital, like grants, at the same time.

We see ourselves as a responsible lender. That means we only invest in organisations that are impact-led. That’s those with a clear social or environmental purpose at the heart of their work. 

Just as importantly, we don’t lend to organisations or activities that cause harm to people or the planet. Our focus is on providing finance that strengthens organisations and help them to do more good, without compromising on their mission. 

For us, lending isn’t just about money. We help organisations, grow with confidence, and be ready for the next step, making sure finance is a tool for lasting positive impact.