Community Business Loan

Community Business Loan

Alternative funding for community business, charities or social enterprises.

Get in touch now!
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.

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.

What the community loan offers
Who is it for?

First and foremost, we’re funding companies who are investment ready. They’re delivering high social value - in a sustainable way. They may be a viable charity, social enterprise, community interest company or co-operative.

The right loan amount

The size of the loan you can get depends on the type of your organisation. As a community business, you can access loan funding from £30,000 to £750,000. 

Flexible terms and repayment holidays

We tailor loans to your business' requirements. You’ll get flexible terms - including capital repayment holidays if you need them. Interest is charged during the period of underpayment and your monthly payments may increase afterwards.  

Funding tailored to your needs

Perhaps your enterprise is getting off the ground. Maybe it’s ready to grow and evolve. Take the right next steps; grow your management structure, develop leadership skills, gain access to markets and finance. Our sector experts will structure the loan to suit your operation.

Help for your social enterprise to grow

What to know before you apply

Before you apply for a loan let’s confirm you’re eligible. In order to apply, your organisation must meet all of the following criteria:

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Icon expand About your business

• You’re an established third sector organisation* located and trading in the UK

• You have social or environmental aims, reinvesting profits to deliver a positive impact

• Your organisation is financially sustainable

• 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

 

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Icon expand Amount you can borrow

• As a Community Business you can apply for loans of between £30,000 and £500,000

• As a CDFI you can apply for loans of between £200,000 and £750,000

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• We’ll consider funding for startups on a case by case basis

• We’ll agree the structure of loans, including rates, individually

• We normally require security in an acceptable form from the borrower

 

Please note: applications for loan funding are taken on a rolling basis so there’s no deadline
*Charities, social enterprises, community interest companies and co-operatives.

 

Community Business Loan Get in touch now!

We accept applications for Social & Community Capital loans all year round. Please email us if you meet the criteria, and you'd like to apply for a loan.

Please email us at: rbsscc@rbs.co.uk

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

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