About Us

Many Rivers Microfinance Limited (Many Rivers) is a not-for-profit organisation that supports aspiring business owners with microenterprise development support and access to finance in order to see the potential of people and communities realised.



Our vision is for an Australia where all people have access to support and finance for commercial activities. The people we work with typically possess the ideas and skills to establish sustainable businesses but, for various reasons, have lacked the necessary financial support to do so.

Initially developed through a series of pilot programs by global microfinance leader Opportunity International, Many Rivers Opportunities (as it was originally known) was established in 2007 and began operating in Grafton NSW.


We currently have 23 operational offices in the following regions:

  • NSW North Coast, Grafton
  • NSW Northern, Moree
  • NSW Hunter Valley, Maitland and Newcastle
  • NSW Central, Dubbo
  • NSW Western Sydney, Blacktown
  • QLD Far North, Cairns
  • QLD Central, Gladstone and Bundaberg
  • QLD South East, Toowoomba and Roma
  • QLD Brisbane
  • VIC Melbourne
  • VIC North, Bendigo
  • SA Adelaide
  • WA Pilbara, South Hedland
  • WA Kimberley, Kununurra and Broome
  • WA Goldfields, Kalgoorlie
  • WA Metropolitan, Perth
  • NT Darwin
  • NT Gove, Nhulunbuy
  • NT Katherine

Many Rivers Head Office is in Sydney, NSW and we have a State Office in Perth, WA.

Go to Many Rivers National Program Map

Please help us to help others…

Microfinance and its Benefits

Microfinance provides entrepreneurial people who cannot access traditional financial support with small repeat loans that enable them to establish a small business – or microenterprise.

These loans benefit individuals, families and the wider community by:
• Increasing household income and assets and providing greater stability for families
• Enabling increased availability of locally provided goods and services
• Helping to build sustainable local economies and reduce welfare dependence
• Contributing towards social outcomes, including improving health and education

Our Approach

Local Enterprise Development – we live and work in the communities we operate.

Practical Business Support – we focus on what needs to get done to get the business started.

Access to Finance – we provide business loans based on mutual trust, no security is required.

Journey with People – we walk alongside our clients, providing support and encouragement.