Strategic Growth Loans

Strategic Growth Loans are flexible, direct loans for emerging and fast-growth SMEs that are scaling quickly and creating jobs, but face barriers in accessing finance from traditional lenders.

Funding available

Direct loans ranging from over $500,000 to $1,200,000 are available to businesses with flexibility in payment terms including the flexibility of multiple advances.

Loans are offered over a term of four (4) years and at an interest rate of 9.2%. Jobs for NSW does not require the loan to be secured by personal assets such as residential property. As part of the standard terms and conditions, Jobs for NSW will place a general security over the current and future assets of the business.

Who is eligible

To apply for a Strategic Growth Loan, your business must:

  • have a registered ABN and be an incorporated company
  • have a minimum of 5 employees (full-time, part-time or casual)
  • be creating a minimum of 20 additional FTE jobs within three years in NSW
  • be able to demonstrate likely revenue of at least $1 million within 12 months
  • have been trading for a minimum of one year
  • be able to demonstrate future growth for at least one year, evidenced by future pipeline or contracts
  • be unable to obtain commercial finance.

Why choose a Strategic Growth Loan?

With a Strategic Growth Loan:

  • your business has access to funding when traditional lenders are unable to help
  • there are no penalties for early repayment
  • there are no establishment fees
  • your business can continue to grow through additional capital.

How to apply

  1. Speak to a financial advisor to assess the suitability of a loan for your business.
  2. Book an initial assessment with one of our Client Engagement Advisors, or complete the initial assessment online. Eligible businesses will be invited to apply for a Strategic Growth Loan. To book an assessment email or call 1300 562 679 to speak to an advisor.


Talk to us

Email us at or call us on 1300 JOB NSW (1300 562 679).