Community Finance is a source of capital for individuals, non-profit organisations and social enterprises, enabling them to achieve their goals. It is a financial tool that is appropriate, accessible and tailored to assist individuals, non-profits and social enterprises to thrive.

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Why use Community Finance?

Community Finance providers have been established with a core mission to create innovative financial solutions for people and the wider community. Finance is one way that people and communities can help themselves, as well as each other.

Tailored Loans:

Using a holistic approach, Community Finance providers structure loans which are driven by the needs of the individuals, non-profits and social enterprises they work with.

Competitive Terms:

Community Finance providers can compete with mainstream finance providers to provide commercially viable finance products.

Diverse Capital:

Community Finance providers access capital sources which are diverse and varied allowing for flexible and tailored loans.


Many individuals, non-profits and social enterprises cannot access loan capital from a bank. Community Finance institutions provide these groups with access to affordable and appropriate finance.


Some Community Finance providers are themselves social enterprises. This means the interest you repay is reinvested into their mission.

Who uses Community Finance?

Individuals Non-Profit Organisations Social Enterprises

Community Finance is attached to community development outcomes. The use of Community Finance may produce a social, cultural or environmental impact for an individual or the clients, constituents and communities that non-profits and social enterprises work with.

What is Community Finance used for?

Community Finance has diverse uses including, micro-credit for individuals, social and affordable housing, business development, equipment and property purchase.



requiring small and flexible loans for purchase of household items, car maintenance and purchase, student loans, as well as other purposes. Individuals may be on low incomes, pension recipients, individuals resolving credit rating issues, single income households, individuals experiencing a disability, and those that for any given reason are not able to access mainstream financial institutions.

Non-Profit Organisations

Non-Profit Organisations...

that want to diversify capital sources, meet a funding gap, and invest in their sustainability and long term goals. Non-profits may want to purchase or construct property for a variety of purposes, or to grow and develop new and existing revenue streams and develop social enterprise to support their mission.

Social Enterprises

Social Enterprises...

that want to grow and develop their businesses through equipment purchase, business acquisition, vehicle purchase, website development, publishing/printing, stock/inventory and or purchase, build or modify property to meet a variety of service and community needs. Community Finance may be used at an early stage, in scale and growth of the business, or at a mature stage to expand into new markets and develop new initiatives.

How to Access Community Finance

Community Finance can be accessed through Intermediaries who receive and pool capital from various sources, and channel it through loans and investments to individuals, non-profits and social enterprises.

Some are specialist intermediaries such as Community Development Finance Institutions (CDFI’s). CDFI’s utilise finance as a tool to leverage community development outcomes.

Find a Community Finance Option for You

Select the purpose of Community Finance followed by indicating whether you are an Individual, Non-profit or a Social Enterprise. Providers and the related loan options will be displayed based on your selections. You can make a new selection at any time.

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Helpful Resources for Social Enterprise:

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