Restart your life here

Many refugees and asylum seekers are keen on starting or expanding their own business, but often lack two basic things: the financial assistance and business support to get them started.

Thrive helps these aspiring refugee entrepreneurs get their feet off the ground by providing start-up business loans. These loans provide financial and business assistance – both essential requirements for success.

Thrive loans are refugee and asylum seeker friendly.

  • Loan amounts up to $25,000* per 3 years.
  • 11.5% variable interest rate.
  • No early termination fees.
  • No upfront or ongoing fees.
  • Weekly or monthly repayments.

*Amounts and terms greater than $25k and over 3 years may be considered on a case-by-case basis.

Who is eligible to receive start-up business loans?

If you meet the above criteria, then you may be eligible for Thrive microfinancing and business support. Just complete the Expression of Interest (EOI) form below, submit it to Thrive and a member of our team will contact you.

In the meantime, if you have a rough estimate of how much you wish to borrow, check out the loan calculator further down below.

Expression of Interest

Thrive Refugee enterprise lends money to eligible refugees and migrants to start-up or continue a business and must be repaid with interest within 3 years. To ascertain your eligibility, please complete and submit this form.

Our focus areas

Providing information about the Australian business market and the knowledge and steps required to start or expand a business.


Providing refugees and asylum seekers with microfinance loans for new or existing businesses.

Post loan

Providing post-loan mentoring to guide refugee entrepreneurs towards business success.

Loan process
Loan calculator

While every business starts small, Thrive offers finance solutions to suit a huge range of business ideas. Our loan calculator can help you estimate your loan repayments and properly manage your start-up business loans, based on the amount you'd like to borrow.


2 yrs

We’re done!

Here’s what you’re looking at to get a new start.

Repayment amounts


The total payback amount:


Regular payment:


Term of loan


At a interest rate of:


Franchise Loans

We are associated with several franchise models which provide a secure way of starting your own business with mature marketing and mentoring support, as well as franchise loans to help you kickstart your enterprise.

Navigating the complicated franchise road

Owning a franchise in Australia presents its own unique set of challenges. Franchise owners have to consider many factors that are different from traditional business owners – a key challenge being the business and personal credit check.

At Thrive, we not only provide you with franchise loans, but also the relevant expertise and advice on how to start your franchisee journey on the right foot.

Please feel free to ask us to arrange a free information session for you to learn more about them.

Franchise Models:
Keen to Clean

Keen to Clean Keen to Clean is a trusted name in the cleaning business. Striving to be one of the best cleaning service providers in Australia, all the cleaners are trained and certified, and all cleaning jobs done are spic-and-span on time. Keen to Clean's mission is to provide unmatched customer service and an excellent cleaning job to our valued customers. As an advocate of a clean and green environment, Keen to Clean uses cleaning products that are safe for you, your place and the environment. The service areas include Melbourne, Sydney and the surrounding areas.
For more information »

Bathroom Werx

Bathroom Werx is a company that renovates and reconditions bathrooms and kitchens with the help of special enamel paint. To become a franchise owner, Bathroom Werx will train you and provide you a fully fitted and branded Ute with all needed tools. Advertising, quoting and bookings are centralised giving you more time to enjoy your business instead of being bogged down in paperwork. All you do is to go to the place and get the job done.
For more information »

Jims Mowing

Jims Mowing Jim's Mowing is the Largest Mowing and Garden Care Franchise System in the world. Jim's Mowing began as a one-man business in 1982 and established the Jim's Mowing Franchise system in 1989. Now, with over 3300 franchises, Jim's Mowing has an extensive network across Australia, New Zealand, Canada and the United Kingdom. This business has grown and become a leader in lawn mowing and garden services through offering training and support to our quality Franchisees. This business has built an excellent reputation to deliver the same reliable, friendly and professional service that Jim offered his own customers in 1982, and is the best known Lawn and Garden Care Group in Australia. For more information »