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Social & Community Capital

Funding for your charity or social enterprise

Royal Bank of Scotland Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.

Our approach to lending

Our team look at every loan application personally. And we’d love to talk to you first to learn about your organisation.

If you’ve been declined by a mainstream lender, we may still be able to help.

You don’t need to be a Royal Bank of Scotland customer to apply.

Which loan is the best fit?

We have four different loans. Take a look and see which might be the best fit for you.

If you’re not sure, we’re happy to chat through your options - give us a call or drop us an email.

Property Purchase Loan

Funding to renovate or purchase a property.

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Flexible Growth Funding

For when you want to grow and increase your impact.

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Working Capital Loan

Flexible finance to cover overheads and smooth out cashflow.

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Bridging Loan

Pay VAT or cover overheads before grant funding arrives.

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Property Purchase Loan

This might be the loan for you if you’re looking to buy or renovate property.

What you need to know

Key details

  • Apply for £30k to £500k.
  • 4% to 7% (1% deduction where fixed charge is in place).
  • Repayment term up to 15 years.


Fees

  • £100 approval fee.
  • 1% arrangement fee (minus the £100 you already paid for the approval fee).


Other costs

  • Any property valuation and/or environmental reports needed.
  • Any costs related to the preparation and discharge of the security.


Security

  • Fixed charge over the property being purchased.
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Flexible growth funding

Funding to help your organisation grow and make an even bigger difference in your community.

What you need to know

Key details

  • Apply for £30k to £350k.
  • 4% to 7% fixed interest rate.
  • Repayment term up to 10 years.


Fees

  • £100 approval fee payable on approval of the loan.
  • 1% arrangement fee (minus the £100 you already paid for the approval fee).
  • Any costs related to the preparation and discharge of the security.


Security

  • A debenture / bond and floating charge where applicable.
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Working Capital Loan

This loan could help cover running costs and upfront costs before you get paid. It can be paid against raised invoices or work you’ve completed, with up to two draw-downs a month.

What you need to know

Key details

  • Apply for £30k to £250k.
  • 5% to 7% fixed interest rate.
  • Repayment term up to 1 year.
  • Paid against invoices or work completed. Up to 2 loan advances a month.


Fees

  • £100 approval fee payable on approval of the loan.
  • 1% arrangement fee (minus the £100 you already paid for the approval fee).
  • Any costs related to the preparation and discharge of the security.


Security

  • A debenture / bond and floating charge where applicable.
Information Message

Bridging Loan

Waiting for grant funding for a project but need to pay workers before it arrives? Or need to pay a VAT bill before you can claim it back? This loan could help bridge the funding gap.

What you need to know

Key details

  • Apply for £30k to £250k.
  • 5% to 8% fixed interest rate.
  • Repayment term up to 2 years.


Fees

  • £100 approval fee payable on approval of the loan.
  • 1% arrangement fee, less any approval fee paid, paid on signing of the loan agreement.
  • 0.5% commitment fee on funds you haven't drawn down, paid monthly until first drawdown.
  • Any costs related to the preparation and discharge of the security.


Security

  • A debenture / bond and floating charge where applicable.
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Ready to apply?

Step 1

Check our eligibility criteria and then complete the application form. We’ll be in touch within two working days to learn more about you and talk about the best way forward.

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Step 2

Tracy or Brendan will be your dedicated Loans Officer. They’ll work with you to get your application ready and present it to our Funding Panel. The Funding Panel meet every two weeks to review applications.

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Step 3

You should find out on the day of the panel if your application was successful. If successful, we’ll do our ID checks and take any applicable security charges. Then your funds will be available within 60 days.

If you want to discuss anything before you apply, just give us a call.

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Eligibility criteria

  • You’re an established third sector organisation in the UK.
  • Your work has a positive social impact.
  • You’re financially sustainable and have income sources other than grants.
  • You can show that you’ll be able to pay back the loan.
  • You can show us you’re investment ready in terms of management, governance, and financial position.
  • You have at least four directors or trustees on your board.
  • You’re not eligible for mainstream funding from banks.
  • You help people in one of our key areas:

      a) Employment, education, and training for those furthest from the job market

      b) Services for the most disadvantaged people or communities

      c) Community regeneration.

 

Not sure if your organisation is eligible? Speak to us

Contact us

We’re a friendly group and happy to have a chat and help with your questions. 

Email us at: rbsscc@rbs.co.uk

Or call us on:

0207 672 1411

18001 0207 672 1411 for Relay UK

We’re available 9am - 5pm, Monday to Friday (except for public holidays).

Apply now

Privacy

Social & Community Capital privacy notice (PDF, 89 KB)