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GET IN TOUCH TODAY:
ROI 041 6858637 NI 028 9031 5003 hello@communityfinanceireland.com

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

TERM LOAN

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

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.

Call me Back I'm Ready To apply

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1 week ago

💪🏽Working capital injection gives The Hybrid Academy a sporting chance!The Hybrid Academy is a Carrickfergus-based sport and leisurewear company, founded by two friends during the Covid-19 Pandemic, and is the latest organisation to be supported by the Northern Ireland Small Business Loan Fund.The Hybrid Academy was established by best friends Robert McFall, an aeronautical engineer and John Magill, a sales professional and received funding of £30,000 working capital to purchase stock and improve their supply chain.Community Finance Ireland CEO Dónal Traynor said:“This ambitious young company is performing well in the crowded fitness apparel market and they are ready to take their business to the next level, keeping up with the demand created by their impressive digital marketing and athlete influencer engagement programme. The fast and flexible finance that the Northern Ireland Small Business Loan Fund offers, is perfectly suited to support the Hybrid Academy and we look forward to seeing how the business evolves.”To read their story or to find out how the Northern Ireland Small Business Loan Fund can help your small or medium sized business, click the link below>>>lnkd.in/eK7QV6ZN ... See MoreSee Less
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2 weeks ago

Mary Nohilly is delighted to be in attendance at the National Social Enterprise Conference today in Shearwater Hotel & Spa in Ballinasloe, Co. Galway.Organised by Social Enterprise Ireland the conference is packed full of guest speakers showcasing the very best the island has to offer in terms of innovative social enterprises working in their local communities. Mary is looking forward to hearing from the likes of social enterprises like her own clients An Mheitheal Rothar (Galway's Bike Workshop) as well as No Barriers Foundation, Boardmatch, Hair Together, Amicitia, Consortia Co, BIA Innovator Campus, Fibreshed, Onwards Philantrophy, Jumpagrade, as well as the Minister for Rural and Community Development Heather Humphreys and a whole host of other voices from the CVSE Sector. Mary will be manning our exhibitor stand throughout the day, so if you are in attendance be sure to call by for a chat. ... See MoreSee Less
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Our Client Relationship Manager for Connacht and Donegal Mary Nohilly called in on her clients at Clifden Town Hall - ARC to see how our funding of a new sound system has benefitted the community in being able to better facilitate events like their weekly bingo night. Watch how they got on in this short video> youtu.be/s9dNpoCGQKc?si=9D6Y-couYiU6BNLH@followers ... See MoreSee Less
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Time for another Friday brainteaser! 🧠🤔Can you name the Irish town from the visual clue in the reel?Post your guess in the comments and we'll reveal the answer on Monday!Good Luck!#fridayfun #fridaybrainteaser ... See MoreSee Less
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