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ROI 041 6858637 NI 028 9031 5003

So you've got an idea. No, a dream.

A dream that could make a difference in your community - to change something by solving a problem or creating an opportunity. First, you need to talk to somebody about a loan to make it happen.

We might well be that somebody. And we're listening.

Is a loan the right answer? Top 10 questions answered here

We lend to:

  • Community projects, including charities, social enterprises and faith-based initiatives.
  • All sports clubs, including GAA clubs, soccer, rugby, tennis, athletics, water sports and golf.


We are different because:

  • We don’t seek personal guarantees.
  • We don’t charge arrangement fees on term loans.
  • All our clients are ‘matched’ with a local Client Relationship Manager who will meet you in person and provide you with guidance and advice throughout the application process and the entire duration of your loan.
  • All our profits are reinvested for the benefit of the sector.


If success for your organisation is social change or social impact, you’re in the right place.


What we don’t do:

  • Offer grants.
  • Lend to private businesses or individuals.
  • Lend to projects outside the Third Sector.

  1. The purchase, construction or renovation of a building.
  2. Purchasing equipment.
  3. Restructuring existing debt.
  4. Cash shortfalls.
  5. Working capital.
  6. Bridging loans for Sports Capital, LEADER/RDP Grants, GAA Grant, local governmental grants.

  • We provide long-term loans and short-term loans, as well as bridging finance.
  • Loans may also be provided on both a secured and unsecured basis.

  • Our loans range from €/£10k–600k.
  • Your loan will be tailored to your needs – and we’re here to help you every step of the way.
  • If you have a figure in mind, contact the Client Relationship Manager in your region and/or try our Loan Calculator. It’s a fast, handy way for you to see if the repayment amount is manageable.
  • Remember, the Loan Calculator is for reference only and is not a loan offer. Before we agree a loan, you need to make a full application and our lending requirements must be met. For details, see ‘What makes a successful loan application?’ below.

  • Working with clients, we normally agree a set monthly repayment amount over an agreed term.
  • All our loans are flexible, and you can make lump sum repayments any time with no penalties.
  • We also accept fundraising efforts as lump sums to help clear your loan sooner if the need arises.

  • Generally, 15 years is the maximum period we lend for.
  • While most loans are for a ten year term.
  • We’ll work with you to establish what the best solution for your cash flow and your ambitions.

  1. A clear ‘why’ – what’s the compelling reason behind your project?
  2. An organisation with a clearly defined legal structure.
  3. A competent management team.
  4. A robust financial model.
  5. All relevant paperwork is submitted as per our Checklist.

All our clients demonstrated these in their initial applications – and are thriving as a result.

  • We keep it simple- talk to the Client Relationship Manager working in your local area.

  1. Complete our loan application form.
  2. It covers all the key information we need to assess your request.
  3. Utilise our easy checklists designed to help you save time on what is required.

Once we’ve received your application, a local Client Relationship Manager will be in touch within 48 hours.

  1. State this clearly in your initial application or general enquiry form.
  2. We’ll get in touch within 48 hours.
  3. You have most likely already compiled paperwork that was relevant for your grant. We want to make the loan application as painless as possible and so most of the paperwork we ask for will already most likely mirror the requirements of your grant application. Our paperwork checklist is here for ease of reference.

Didn’t find the answer you were looking for?

No problem.

Ask us for a Call Back.

We’re here to help.

Loan Calculator


Please note that these figures are for illustration purposes only, and that interest rates may vary. Your client executive will give you more information on this.

We offer two types of loan: Term and Bridging. These are offered separately but can, on occasion be combined. Check with your Client Relationship Manager for details.

NI 028 9031 5003

ROI 041 685 8637


Bridging Loan terms last from one to 36 months and are typically 6%-9%.

For bridging loan calculations, just contact the Client Relationship Manager in your local area.

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Are you a Social Enterprise that is looking to scale up your business? 🚀Do you also want to increase your financial sustainability and develop a credit record?Apply for the second open call of the Hybrid Social Finance Loan!🌟This time we are calling on all Social Enterprises that are first-time borrowers 👋The Hybrid Social Finance Loan is a unique new financial instrument which will provide a mix of a loan that must be paid back, along with a non-repayable loan and business support for up to 20 social enterprises in total.Apply now and be part of the next generation of social enterprises making a difference in Ireland!💥 Read more on our website and join one of our upcoming application clinic 👉 Hybrid Social Finance Loan is a partnership between Rethink Ireland, Community Finance Ireland and the Department of Rural and Community Development via the Dormant Accounts Fund. ... See MoreSee Less
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Just one week to go before these free fundraising roadshows come to Leitrim and Donegal. If you are volunteering or working with a community project or sports project than make time in the diary - our own Mary Nohilly Client Relationship Manager for Connaught and Donegal will be on hand to help answer questions. Diary Now. ... See MoreSee Less
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🌟 Congratulations to Limerick based Mobile IT CLG for their recent prize win for their participation in the SERIreland Social Enterprise Census. 🏆 Here's a snapshot from the celebratory event at Deebert House Hotel, Kilmallock Co. Limerick, featuring Maureen Browne (Chairperson of Mobile IT CLG), Alice Quinlan (Mobile IT CLG), Nora Keogh (Client Relationship Manager at Community Finance Ireland), and Catherine Fitzgerald Charleville. 📸 Photo Credit: David Clynch@followers ... See MoreSee Less
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🌟 We are thrilled to announce that our amazing client Strand Arts Centre has been named the Winner of the Best Cinema Experience at the The Northern Ireland Hospitality Awards! 🏆🎥Funding the arts isn't always about grants; it's about innovation, dedication, and the love of the community also.Strand Arts Centre has always been a special place in the arts and family entertainment calendar, and this award is a testament to their commitment.They earned this recognition because of their incredible fans and customers who nominated them. Strand Arts Centre is where you go to experience movies that stimulate your senses and where the creative community thrives.We're thrilled that they've received this endorsement from their loyal patrons and the NI Hospitality Awards team. Our team members, Phelim Sharvin and Peter Smyth, are just part of the wider NI community network that has collaborated with the forward-thinking volunteer board, which includes supporters like the Arts Council of Northern Ireland, Heritage Lottery Fund, and Tourism Ireland.If you find yourself in Belfast, make sure to pay a visit to Strand Arts Centre and book a ticket. if your arts centre or project needs social finance, don't hesitate to get in touch with us. There's nothing that brings us more joy than helping clients create memorable experiences. 🎉 #eastbelfast #nihospitalityawards #socialimpact #communitylending #artsfunding ... See MoreSee Less
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