Types of Finance

Finance types for NDIS and aged care providers

Different funding structures solve different operating problems. Start with the type of finance that matches the timing, asset, transaction or growth decision in front of you.

How to use this section

Match the structure to the job the capital needs to do

Working capital and invoice finance can address timing pressure. Term loans and asset finance can support defined purchases. Acquisition and project finance need a fuller view of the transaction, delivery plan and repayment story.

Discuss your funding need

Explore finance types

Start with the closest fit

These pages are educational starting points, not offers, approvals or eligibility decisions.

Receivables

Invoice finance

For providers considering a receivables-linked way to manage delayed collections.

Explore invoice finance

People costs

Payroll funding

For recurring staffing commitments during claims, onboarding or growth delays.

Explore payroll funding

Defined purpose

Term loans

For a defined investment with a clear amount, use of funds and repayment plan.

Explore term loans

Transactions

Acquisition finance

For buying a provider while planning continuity, transition costs and working capital.

Explore acquisition finance

Assets and projects

Asset, equipment and SDA finance

For equipment purchases, fit-outs and SDA projects that need a project-specific story.

Explore asset finance

Specialist timing

ATO and PAYG funding

For tax obligations that need to be considered alongside payroll and operating cash flow.

Explore ATO and PAYG funding

Specialist projects

SDA and project finance

For development, acquisition or refinance conversations around specialist disability accommodation.

Explore SDA project finance

Planning tool

See how timing pressure may build before you choose a structure

Use the NDIS Provider Cash Gap Planner to model payroll, operating costs, receipt delays and one-off costs in your own browser.

Open the cash gap planner