Before taking on a business loan, it's worth checking what grants you might be entitled to. Grants are non-repayable — they reduce how much you need to borrow. Many NSW businesses miss out simply because they don't know what's available.
This guide covers the main grant and support programs available to NSW small businesses in 2026.
Key Federal Programs
R&D Tax Incentive
If your business spends money on eligible research and development activities, you may be entitled to a refundable tax offset of 43.5% (for businesses with turnover under $20M) or non-refundable offset of 38.5% for larger businesses. This is administered by AusIndustry and the ATO.
Export Market Development Grants (EMDG)
For businesses actively exporting or planning to export goods or services. Grants cover eligible export promotion expenses. Applications are made through Austrade.
New Energy Incentives
Federal programs supporting businesses investing in energy efficiency, solar, and electrification. Check business.gov.au for current programs, as these are updated regularly.
Key NSW State Programs
Business Connect
NSW Government program providing subsidised business advisory services. While not a cash grant, it gives you access to experienced business advisors at low or no cost — worth using before major decisions.
Digital Solutions — Australian Small Business Advisory Services
Subsidised digital advisory for small businesses — covering websites, social media, using digital tools, and online security. Delivered through ASBAS advisors.
Small Business Fees and Charges Rebate
Eligible NSW small businesses can claim rebates on a range of government fees and charges through the Service NSW business portal. Worth checking if you're paying any state government fees.
Industry-Specific Grants
Various industries have targeted programs:
- Hospitality and tourism: Check Destination NSW programs
- Manufacturing: NSW Jobs First initiative
- Agriculture and food: NSW Primary Industries programs
- Tech startups: Jobs for NSW, Stone & Chalk programs
Need funding for your NSW business?
We can help you navigate grants alongside lending options — making sure you're not borrowing what you could get for free.
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Where to Search for Current Grants
Grants change frequently — programs open, close, and get modified. The best sources for current listings:
- business.gov.au/grants — Federal government grants search tool
- Service NSW — nsw.gov.au/business for state programs
- Your local council — Many councils run micro-grants for local businesses
- Your industry association — Often aware of programs before general announcement
Grant Application Tips
- Read the criteria carefully — Many grants have specific eligibility requirements (industry, location, business size, activity type)
- Apply early — Popular grants are often first-come, first-served or oversubscribed
- Keep records — Most grants require detailed reporting on how funds were spent
- Don't spend before approval — Most grants require you to spend on eligible items after approval, not before
- Get help writing the application — Business Connect advisors and grant writers can significantly improve your success rate
Grants vs Loans: The Right Mix
Grants and loans serve different purposes. A grant might cover your digital upgrade, R&D, or export marketing — reducing how much you need to borrow for working capital or equipment. A broker can help you understand how to use available grants alongside appropriate lending products for the best overall funding mix.
Combining grants and lending for your business
We help NSW businesses get the most from both grant programs and lending products. Free initial consultation.