IBA acknowledges the Traditional Owners of Country throughout Australia and their continuing connection to land, sea, and community. We pay our respects to them and their cultures, to the Elders past, present, and emerging.
Aboriginal and Torres Strait Islander people should be aware that this website may contain images, names and voices of deceased people.

Business Finance

Whether you require capital to start, acquire or grow your viable business, if it is 50 per cent or more Indigenous-owned, IBA has a suite of finance products that can assist to make your business ideas become a reality.

When you finance your business with IBA, you also get access to ongoing business support to better assist your business to succeed now and in the future.

Business loans

Finance that is structured to suit the needs of the business is available to customers in the start up, growth, maturity and repositioning phases of the business life cycle. It can be provided for working capital, purchase of existing businesses, plant and equipment and other commercial assets.

Features include:

  • competitive variable interest rates
  • loans from $10,000
  • no application or line service fees
  • flexible repayment structures including: interest only, principal and interest reducing, seasonal repayments and balloon payments to suit the cash flow of the business.

IBA’s Start-Up Finance Package will help a new business get off the ground with up to 30% of a new business loan awarded as a grant. The loan amount can be up to $150,000 with a maximum loan term of seven years, with low interest rates and flexible terms. Loan repayments will be structured to suit the purpose and cash flow of the business. The grant component is available to cover capital expenditure items. This package is targeted specifically at SME start-ups trading for less than two years.

Great film and television do more than entertain, they drive our culture forward. But making them is no small feat. That’s why we’ve introduced our Producer Offset Loan. It’s a loan to an Indigenous owned production company to finance eligible Australian documentary, film or television projects. Provided to complement investment from Screen Australia, any state government film-funding agency or broadcaster. If you’re an Indigenous producer or director, now your projects and stories can get the support they need.

Now it’s easier than ever to start, grow or restructure an Indigenous small business in Australia. With our Business Loan Package, we’ll assist you with working capital requirements, purchase of existing businesses, plant and equipment, and other commercial assets. So you can start planning your business future right now.

Invoice financing

Invoice finance can assist incorporated Indigenous-owned businesses selling goods and services on credit terms to other businesses or government, to take advantage of new contract or sales opportunities that may otherwise be out of reach. We can provide working capital for up to 80 per cent of the value of your invoices, to enable your business to finance the usual costs of delivery, such as wages, inventory, raw materials and transport costs.

Performance bonds

performance bond is issued to one party of a contract (the beneficiary) as security against the failure of the other party to meet obligations specified in the contract. Banks often require a 100 per cent cash deposit as security for the bond, which ties up considerable amounts of working capital. You might not have the level of security that your bank requires to provide a bond facility for your contracts.

The types of bonds that IBA can provide include:

  • Performance bonds – give the buyer of your product or service assurance that if you don’t meet your obligations under a contract, the buyer can call on the bond to reduce its losses.
  • Warranty bonds – protect your buyer from loss if you don’t meet your contractual warranty latent defects period (usually 12 months), after the contract is completed.
  • IBA does not provide advance payment bonds, rental bonds, or bid bonds.

Interest rates
Read about our interest rates for business loans. 


How to apply

If you are considering applying for finance contact us to discuss your business objectives with one of our staff.