Small Business Funding & Grants in Australia
A practical guide to where funding comes from, how it works, and how to access it.
Funding can accelerate growth.
But it doesn’t fix underlying business problems.
The key is knowing what to apply for, when, and why.
Before You Apply for Funding
Most businesses look for funding too early.
Grants and funding can support growth, but they won’t fix:
• poor cash flow
• weak margins
• unclear decision making
Funding doesn’t solve these problems.
It amplifies them.
👉 If you’re unsure whether funding is the right move:
Avoid the Valley of Death | Scaling a Business Safely
If you’re not sure how funding actually works in practice, start here.
Start Here: How Funding Actually Works
If you’re not sure how small business grants in Australia actually work in practice, start with the videos below
Where to find business grants
I see businesses miss real funding opportunities simply because they are looking in the wrong places, or only relying on Google (or Chatgpt these days).
Common issues:
- Only searching at one level of government
- Missing industry-specific programs
- Not tracking opening and closing dates
- Relying on outdated information
Here are a few practical tips on where (and how) to actually find the right grants for your business 👇
Tips when applying for business grants
I see businesses waste a lot of time on grant applications that were never going to succeed.
Common issues:
- Not eligible
- Wrong project focus
- Not addressing assessment criteria
Here are a few practical grant application tips I often share. 👇
The Better Way to Access Grants
Most businesses approach funding the same way. They look for grants they can apply for.
They ask:
• What are we eligible for?
• What funding can we win?
And when they don’t qualify, they stop.
That’s where most opportunity gets missed.
The shift is simple:
Instead of asking:
What grants can I apply for?
Ask:
Who already receives funding that I can work with?
Because often it’s your customers or potential customers, not you, who qualify.
Where funding actually flows:
Funding programs change constantly. But the sources don’t.
Most funding flows through:
• government programs
• state initiatives
• industry programs
• community and not-for-profit organisations
A large portion sits outside direct grants to for profit businesses.
What this changes:
When your (potential) customer is the one eligible:
• you don’t need to qualify
• you don’t compete directly
• you’re not relying on a single application
Your role becomes:
• shaping the project
• structuring delivery
• standing behind execution
You’re not chasing funding. You’re enabling it.
Final thought:
Businesses don’t miss funding because it isn’t available. They miss it because they’re looking in the wrong place.
If you can help others access and deliver funded outcomes, you position your business inside the funding flow, not outside it.
Current Funding & Grant Insights
New funding and insights are added as they become relevant, not everything is listed.
Business Events Grant
If your business is thinking of attending a business event in 2021, you may be able to get funding under the Business Events Grant program
JobKeeper ends in 28 days
What plans do you have to help your business survive beyond when JobKeeper ends in 28 days
Grant Finder
Another place to look for grants is the Federal Government’s own grant finder. Search for grants by your business location and industry.
Grant Connect
A simple place to find any grants that may apply to you business is to start is by looking at the Australian Government Grant Connect website
Should you payback JobKeeper if you were lucky and recovered post March?
Should you payback JobKeeper if you were lucky and recovered post March?
Northern Beaches Grants
If you are a business based on Sydney’s Northern beaches and adversely impact by the recent Covid shutdowns – you may be eligible for a $3,000 or $5,000 Northern Beaches grant from the NSW government.
JobKeeper Update Jan 2021
Don’t forget to look at your JobKeeper eligibility for the period 4 January to March 2021
Why you may miss out on the JobMaker Hiring Credit
Factors outside the businesses control may mean that your business misses out on the JobMaker Hiring Credit. Read on to learn more.
Watch out for this trap when calculating GST Turnover for JobKeeper 2
Watch out for this trap when calculating GST Turnover for JobKeeper 2 to prevent claiming JobKeeper 2 when you are not entitled too
Funding Is Only Part of the Decision
Funding can accelerate a good business. It can also accelerate bad decisions.
Most problems aren’t funding problems. They’re:
• pricing problems
• cost structure problems
• customer quality problems
Funding just exposes them faster.
👉 Read more: Avoid the Valley of Death | Scaling a Business Safely
👉 Read more: Controlling the Controllables
👉 Read more
Should You Actually Take Funding?
Understanding funding is one thing. Knowing whether it fits your business is another.
If you’re considering funding but unsure how it impacts cash flow, margins, or risk, this is where most businesses get it wrong.
Want a confidential discussion on your business funding situation, simply email me at wayne@aRealCFO.com.au or call me on 0412 227 052
And Wayne is always posting about new grants, funding options and other resources on LinkedIn that can help your business scale and grow profitably. Click on the below links and connect with Wayne or follow A Real CFO on LinkedIn.
