frequently asked questions

Yes, if you’re involved in:

• Community projects, including charities and faith-based initiatives.
• Social enterprises – e.g., training or employment initiatives, rural development projects, co-operatives.
• Sports clubs – e.g., facilities, amenities, equipment, resources, etc.

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.

• The purchase, construction or renovation of buildings.
• Purchasing equipment.
• Bridging funding gaps.
• Restructuring existing debt.
• Cash shortfalls.
• Working capital.

• 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, 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.

• All our clients are ‘matched’ with a local client executive.
• This ensures you have constant access to a personal contact nearby – right throughout all stages of your loan requirements with us.
• All our profits are reinvested for the benefit of the sector.

• 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.

• A clear ‘why’ – what’s the compelling reason behind your project?
• An organisation with a clearly defined legal structure.
• A competent management team.
• A robust financial model.

These things are key to successfully securing a loan with us. Indeed, all our clients demonstrated them in their applications – and are thriving as a result.

• We keep it simple.
• Our lending rates range from 5.5% to 6.25% subject to terms and conditions.

• Complete our loan application form.
• It covers all the key information we need to assess your request.
• Once we’ve received your application, a local client executive will be in touch within 48 hours.

• • State this clearly in your initial application or general enquiry form.
  • We’ll get in touch within 48 hours.
  • Didn’t find the answer you were looking for?

No problem.
Ask us for a Call Back.

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