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Ongoingbusiness.gov_au
Interest free or low interest loans for low income earners
Overview
The ACT Microcredit Loan Program provides interest-free loans up to $3,000 and low-interest loans between $3,001 and $10,000 to low-income ACT residents to help them start or expand a business.
Loan recipients can also access one-on-one mentoring, peer support and networking events.
Eligibility Criteria
No Interest loans:
- must have had a Health Care Card (for a period of at least 6 months), Pension Card or equivalent
- have a combined family income no higher than $65,000 (including de facto relationship)
- have been an ACT resident for a minimum of 6 months (proof of residency required)
- be setting up a business based in the ACT
Low Interest loans:
- must have had a Health Care Card (for a period of at least 6 months), Pension Card or equivalent
- have a combined family income no higher than $75,000 (including de facto relationship)
- have been an ACT resident for a minimum of 6 months (proof of residency required)
- have an existing or semi established business based in the ACT
Is this grant right for you?
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Quick Info
Funding Amount
Up to $10,000
Closing Date
Ongoing - No closing date
Eligible Locations
ACT
Last updated: 12 February 2026