Working capital grants for community health centres in Albury-Wodonga

Border Trust has been operating in the Albury-Wodonga region since 2004 with $5.7M+ distributed to local causes. With Trust's Feb 2026 declaration as a Community Charity Trust, CWCA bridge financing for non-DGR community health programs in the catchment becomes structurally unlocked.

Need working capital for community health centres in Albury-Wodonga?

Tell us about your project. Roshan reads every submission and comes back within 48 hours.

The instrument

Charitable Working Capital Agreement (CWCA)

Bridge facility for charities — milestone-based recovery, principal returns to the donor pool when triggers are met.

How it cycles

Step 1

Funder advances

Working capital paid into the recipient's operating account at the start of the agreed cycle.

Step 2

Recipient operates

The org delivers services or programs against the contract or revenue cycle the bridge is sized to.

Step 3

Recovery returns

Voluntary contributions repay principal in milestones tied to the recipient's revenue events.

Why this audience

Why community health centres carry this structural problem

Operating in low-margin community settings with quarterly funding cycles; bridging gaps between contracts often requires expensive short-term debt.

DGR profile: Mixed DGR landscape — some are HPCs, some PBIs, some non-DGR. Pathway depends on category.

Regional anchor

Border Trust

ALBURY WODONGA + BORDER REGION NSW/VIC

Declared as a Community Charity Trust under the Treasury Laws Amendment (Support for Small Business and Charities) Act 2024 and the subsequent ministerial declarations. CCTs hold DGR Item 1 status, can deploy capital to non-DGR delivery partners under CADA, and can build corpus.

More about Border Trust →

How to apply

From a brief to executed in 4–8 weeks

Step 1

Send a brief

Org name, ABN, region, what you need, rough $ amount, timeline. 5 minutes.

Step 2

Routing recommendation

We come back within 48 hours: which pathway fits, which CCT or Public Giving Fund would be a natural counterparty, and what we'd need to take it further.

Step 3

Legal architecture

We work with you and (where relevant) ABL on the legal structure. Typically 4–8 weeks from first conversation to executed agreement.

Step 4

Capital deploys

Asset is acquired or working capital is advanced. Recovery schedule begins.

Want a worked example for your situation?

Send a short brief and we'll prepare a pathway note within 48 hours.

Related pathways