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How it works

From first contact to the right next step

We help you work out what matters first and what to do about it. One-to-one support comes through a referral from a service you're already seeing, and our tools and guides are open to everyone.

01

A service refers you

Through someone you already see

We work alongside financial counsellors, community services and support workers. When one of them refers you, they tell us what's happening and what's most urgent, so you don't have to tell your story twice.

  • →What's happening
  • →What's most urgent
  • →Consent to share
  • →Safe-contact check
02

We map the situation

The full picture

A real person looks at the whole picture: income, housing, debts, deadlines, documents, and what you've already tried.

  • →Income and housing
  • →Debts and deadlines
  • →Documents you have and documents you're missing
  • →What's been tried already
03

We find the right pathway

The right door

That might be TEKVA. It might be a financial counsellor, Centrelink, tenancy help, a creditor hardship program, legal support, or another specialist service. Referral isn't rejection. It's the right door.

  • →The right service for the actual problem
  • →Warm handoff, not a phone number and good luck
  • →Scripts and documents ready to go
  • →If TEKVA fits, we say what happens next
04

We act on the blocker

Where it counts

Where one practical cost stands between you and steady ground, TEKVA may pay it direct to the provider. This month's rent. A car repair. A licence. Only where it changes what happens next.

  • →One specific cost, not open-ended support
  • →Paid to the provider, not into a bank account
  • →Agreed with you first
  • →Essential, time-sensitive, and worth it
05

We follow up

A check-in

A step only counts if it worked. We check back to see what's changed and what needs to happen next.

  • →A check-in, not a case file
  • →What worked, what didn't
  • →What comes next

Eligibility

Who TEKVA can help

TEKVA is for working-age Australians under financial pressure. It works best where there's a path forward we can help unlock.

You may be eligible if:

  • →You're a working-age adult in Australia (direct financial support is currently NSW only; tools, guides and referrals are available Australia-wide)
  • →You're under real financial pressure right now
  • →A bit of help now would keep you going — your job, your home, or your income

We look at every situation individually — including gig workers, freelancers, and people between roles. If we're not the right fit, we'll point you to services that can help.

Not sure what to do next?

Start on your own with the guides and the hardship letter tool right now.
Get help now

Practical help for working-age Australians under financial pressure.

Donate

Tax-deductible · DGR-1 endorsed

Practical help for working-age Australians under financial pressure.

Donate

Tax-deductible · DGR-1 endorsed

Get support

Get help nowHow TEKVA worksWhat TEKVA helps withEligibility & rulesFAQ

Resources

Just lost your job? Start hereDisplacement Field ManualSmall business in crisisHardship lettersJob loss action planFinancial runway calculatorHardship guidesEnergy bill help (NSW)Know your financial rightsService directory

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Company

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Financial counselling at TEKVA is delivered by an FCAN-registered Financial Counsellor. Financial capability support is provided by a Financial Capability Worker, whose scope is capability support only — no credit advice or creditor negotiation. Credit advice and creditor negotiation sit with our Financial Counsellor. We also provide practical support and referral coordination, and connect people with crisis services where they need them. We do not provide AFSL-licensed financial product advice, legal advice, or insolvency advice. Where another service is the better fit, we'll help connect you with community services, tenancy help or specialist legal support.

ACNC RegisteredDGR-1 Endorsed↗ABN 88 689 519 686

© 2026 TEKVA. All rights reserved.

·

L9, 151 Macquarie St, Sydney NSW 2000

·hello@tekva.org.au