Social and Community Capital

Social & Community Capital

A helping hand for community business, charities or social enterprises.

See what we've been doing

Security may be required. Product fees may apply. Over 18s only.
Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Supporting our communities

As a community venture, you can make a big positive impact. But sometimes it’s difficult to get the finance you need to grow. So with our strong heritage of supporting community-based businesses, we’re doing more to help.

Maybe you need funding to get off the ground. Perhaps you need the networks or supply chains to grow and evolve. We’re there to support social enterprises at every stage of the journey, from starting up to expanding your impact on the world.

Investing in communities

We have £10 million to help social ventures that don’t qualify for mainstream loans. Organisations can get funding from £30,000 up to £750,000 depending on what they do.

We tailor loans to specific business requirements and offer flexible terms. There’s no deadline, so organisations can apply all year round. 

Community Business Loan

To apply your organisation needs to meet the following eligibility criteria.

  • You’re financially sustainable with social or environmental aims reinvesting profits to deliver a positive impact 
  • An established third sector organisation located and trading in the UK 
  • You’re investment ready in terms of management, governance and financial position
  • You can demonstrate a sustainable business model and capacity to service the borrowing
  • You’re not eligible for mainstream funding from banks
  • You’re not insolvent or at risk of insolvency

See if you are eligible for a loan and details of how to apply:

Find out more

  • Our Impact

  • Our Partners

Our Impact

Helping social enterprise happen. Between 2012 and 2015 we’ve funded 25 social ventures through RBS Social & Community Capital (S&CC). Our ambition is to increase the size and strength of this important sector of the UK economy.

Fair Finance


The Community Development Finance Institution provides loans and debt advice services to personal and SME borrowers. They used a loan to offer more personal clients matched funding arrangements.

Fair Finance

Clydesdale Community Initiatives

Clydesdale Community Initiative helps people with complex support needs to contribute to their communities. This helps them improve their health, learn new skills and feel included. They took a bridging loan to build new premises.


Argyll Mausoleum


Argyll Mausoleum Ltd restores and conserves the building and its artefacts. This role includes the construction of a visitor facility. They successfully used a bridging loan to cover vital restoration costs.

Argyll Mausoleum
View all the social ventures we have funded

Our Partners

We’ve been supporting social enterprise for years. Recent expansion in the sector has meant benefit to society, the environment and the economy too. Our social enterprise partners are SEUK, CDFA, ACOSVO and NatWest SE100.


We’ve worked with ACOSVO for over a decade. Our combined objective is to increase knowledge and widen the networks for leaders in the Charity sector of Scotland.


Responsible Finance

We were a founding sponsor of the CDFA (now called Responsible Finance) in 2002. Since then, we’ve worked together to scale up the available finance for social enterprises in the UK.

Responsible Finance

NatWest SE100

The NatWest SE100 Index, data report and survey are unique. They provide the facts and figures behind the latest developments in the Social Enterprise sector.

NatWest SE100


We were a founding partner of Social Enterprise UK (SEUK) over a decade ago and has been providing strategic assistance to social enterprises through SEUK ever since.



Locality is the national network of ambitious and enterprising community-led organisations, working together to help neighbourhoods thrive.

Case studies

Clydesdale Community Initiatives

Read how CCI Scotland creates landscapes and changes lives

CCI Scotland is a unique social enterprise. It incorporates a charity that delivers exceptional person centred programmes. The charity helps people with a range of support needs. It places them in a professional construction company where they can help deliver outstanding quality and value on landscape and civil contracts.

Read more

Throughtout 2016, we're supporting a wide range of social community enterprise events, conferences and workshops across the UK.  


The Social Enterprise Exchange Marketplace 2017

21 Mar 2017 | Edinburgh

Social Enterprise event



21 Mar 2017 | London

Locality event

Responsible Finance Conference

28-29 Mar 2017 | Cardiff

Annual conference


ACOSVO Scottish Leaders Dinner

30 Mar 2017 | Aberdeen

ACOSVO event


Leadership and trustee bios

Megan Peat, CEO 
Social & Community Capital

Megan joined the Royal Bank of Scotland in 2007 from a US investment bank. She has a background in both credit underwriting and front line origination across the international financial institutions sector. Megan's previous role was heading up the Structured Finance Funds and Financial Intermediaries team, originating and structuring debt solutions to private and public businesses in the UK. Megan joined...

View all bios
Get in touch now!

Send us an email or talk to our team directly on 020 7672 1411.

We look forward to knowing more about you, your organisation and how we can help.

RBS Social & Community Capital, Registered in England and Wales No: 03901460, Registered office: 280 Bishopsgate, London EC2M 4RB. Charity Registration No: 1079626.

Set Tab for lightbox