Working capital grants for community health centres in Victoria

Community health centres in Victoria sit between state-funded health services and primary care. They operate on quarterly funding cycles with chronic gaps between contract reimbursement and operating costs. CWCA bridges the gap with milestone-based recovery, so the capital returns to the donor pool when contracted revenue arrives.

Need working capital for community health centres in Victoria?

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.

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.

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