Grants that
come back.
A grant you can repay over time — and the more you repay, the faster you can access the next one, including more from the same pool. Capital that grows with you instead of disappearing after one use. See an example →
Working capital you can actually reach
A grant you can repay over time — and the more you repay, the faster you can come back for the next one. Bigger, more frequent, even back to the same project. Pay back fully, pay back in instalments, pay back as revenue flows. The pool grows with you instead of disappearing after one use.
- Programme cap: AUD $150,000 total
- Structure: CWCA (Charitable Working Capital Agreement)
- Eligibility: ACNC-registered + DGR Item 1
- Programme cap: USD $100,000 total
- Structure: DAF recoverable advance
- Eligibility: 501(c)(3) public charity + EIN
We prioritise projects that can repay inside 6 months — shorter is better. A confirmed milestone, an invoice already due, contracted revenue lined up.
Grant tranche, contract milestone, fee income, royalty, Medicare or service-fee revenue — anything you can point to and say “this is landing.”
Funding that lets you take on more work, hire faster, or bridge a constraint that's holding the org back — not a hole-filling exercise.
Recoverable agreement, not a credit facility. Nothing to repay enforceably as debt.
No directors' guarantees, no asset claim, no individual liability for trustees.
Operates as a recoverable grant, not a financial liability. Your auditor sees what they'd see for any grant.
Then it's a regular grant. The community was served. No one comes after you. That's the deal.
Most grants disappear after one use
A donor gives. A nonprofit spends. Then both sides start the fundraising cycle over. Most NFPs know the next contract or grant is coming — they just can't reach it without working capital now. So they take on debt, shrink the program, or watch the deployment window close.
This isn't a theory.
The sector is asking for it.
in charitable funding consumed globally each year — every dollar, used once and gone
of nonprofits are loss-making or just breaking even — single-use capital makes this worse
of NFPs drew down financial reserves last year just to keep operations running
Budget pressure is the top challenge for NFPs of every size — rising costs outpacing income
Sources: Johnson Center for Philanthropy / Philanthropy Together, ‘Rooted in Community’ (2026). CEP Grantee Perception Report 2025.
The community gets the same thing.
But the money doesn't disappear.
Steps 1 through 3 are identical for the community. The only difference is what happens to the money afterwards.
Worst case: the recovery never lands and it's a regular grant. Community still served. Same outcome as any traditional grant.
The mechanics are simple
The organisation gets what it needs
An NFP needs working capital — to deploy a program, bridge to a confirmed grant, or operate equipment. The donor pool advances it under a recoverable agreement. They get the cash or the asset on day one.
No strings attached
The organisation operates freely under a simple recoverable agreement (CWCA for cash bridge, CADA for equipment). They didn't borrow anything. No debt, no personal guarantees.
The grant keeps working
When their future revenue lands — a grant tranche, a contract milestone, fees, Medicare rebates, royalties — it flows back to the pool. The community was served, and the capital starts recovering.
The next community benefits
Over 12–24 months, the capital recovers. The pool can now fund the next NFP — without raising another dollar. Same dollar, multiple cycles, indefinitely.
Sounds like a lot to manage? It would be. That's why the platform handles all of it — sourcing, agreements, tracking, reporting. NFPs apply, donors give, and the operational layer stays out of the way.
Not every deployment
will recover fully
Some assets will generate strong revenue and recover in 12 months. Some will recover slowly. Some won't recover at all — and those are still good grants that served your community.
The model doesn't need 100% recovery to be transformative. Under the traditional approach, 0% of grants recover. Even partial recovery changes the equation fundamentally.
We'd rather show you an honest spectrum than a best-case projection. This is about making your fund stretch further — not promising magic.
Some grants won't recover. That's fine — they still funded community assets. Same as any traditional grant.
Some recover partially. You get back 40–70% of the capital. Still dramatically better than 0%.
Some recover fully in 12–24 months. That capital is now available for the next deployment.
Over time, even modest recovery rates compound meaningfully. Your fund serves more communities without raising another dollar.
Featured at the Global Philanthropy Forum 2026
Marquee session: “Capital as Code: Rearchitecting the Rules of Ownership, Power, and Agency.”
Founder Rosh Ghadamian closed the session presenting “Shared Protocols for a New Operating System” — how regenerative capital design can capitalise institutional agency rather than reproduce scarcity.
- Ford Foundation
- GiveDirectly
- B Lab
- Ownership Works
- Artha Impact
- Full Spectrum Capital Partners
“Charitable money does extraordinary work in communities — and then it disappears. We're building the infrastructure so the same dollar can help the next community, and the next.”
Let's talk
Whether you're a nonprofit, a donor, or a foundation — no pitch deck, no agenda. Send a message and we'll come back to you.
Not ready to talk yet? Use the form above and mention you'd like the two-page summary — no follow-up unless you want it.