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Elevate›Working capital›Indigenous community organisations›NSW
Working capital

Working capital grants for Indigenous community organisations in NSW

Most Aboriginal and Torres Strait Islander community-controlled organisations in NSW are deliberately non-DGR — they hold their authority with community, not with the tax office. That structural choice often blocks the standard funder set, which routes capital through DGR-only channels. The Community Charity Trust pathway introduced under the Treasury Laws Amendment Act 2024 is the structural fix: a CCT (DGR Item 1) can deploy capital to a non-DGR delivery partner under a Charitable Asset Deployment Agreement.

Need working capital for Indigenous community organisations in NSW?

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 Indigenous community organisations carry this structural problem

Traditional grants flow through DGR-only channels; many community-controlled orgs are non-DGR by design and are blocked from the standard funder set.

DGR profile: Most Aboriginal and Torres Strait Islander community-controlled organisations are non-DGR — the CCT pathway is the structural fix.

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

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Read next
Community Charity Trusts
Full explainer + 37-entity directory of declared CCTs in Australia.
Recyclable charitable capital
The corpus thesis. Three-mechanism explainer of how capital recycles.
Research
IRSA Institute working papers — circulatory economics, governance debt.

This page is general information only — not legal or financial advice. Specific recoverable-grant or CCT structures depend on your organisation's DGR category, the donor's giving vehicle, and the underlying purpose. We work with ABL for legal architecture and the Australian Communities Foundation for trustee services where appropriate.