Community Business Loan

Community Business Loan

Alternative funding for community business, charities or social enterprises.

Get in touch
Get in touch

Please email us at

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.


Sometimes making the world a better place doesn’t help a business get funding. If you can’t get mainstream finance the RBS Community Business Loan may be able to help.

We've invested £10 million into our own independent charity, RBS Social & Community Capital (S&CC). These funds provide an alternative source of finance to help social ventures keep doing great work.

RBS Social & Community Capital
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:


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



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


Icon expand Assessment and security

• 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.



Read all our FAQs about the social community loan.


Icon expand Do I need to be a bank customer to apply for a loan?

No, we accept applications from any eligible organisation, whether or not they are a bank customer. 


Icon expand Is there a fee for applying for the loan?

No, although you'll need to pay an arrangement/commitment fee when you accept any loan offer.


Icon expand What are the terms and conditions of the loan?

Each loan is considered on its merits and the terms and conditions will vary between loans. The terms will be agreed as part of the loan approval process. Security will be required.


Icon expand How much can I borrow?

The minimum loan amount is £30,000 (£200,000 if you are a CDFI) and the maximum amount is £500,000 (£750,000 if you are a CDFI). The amount of any loan available will depend upon our assessment of the proposition. We will require that you put a significant stake into the whole proposition.


Icon expand How will the loan be paid?

We’ll pay all money directly to your bank account. Normally we’ll pay your loan all at once. In certain situations we may pay you in stages. This depends on the size and type of your project and we’ll talk it through with you first.


Icon expand What interest rate is the loan set at?

We'll consider each loan on its merits. The interest rate will depend upon our assessment of the risks associated with the applicant and the project.


Icon expand How long do I have to pay the loan back?

We'll consider the length of each loan on its merits. It'll depend on what the funds are for as well as our assessment of the risks involved.


Icon expand Can we put more than one project forward for support?

Yes, subject to a maximum overall exposure of the charity to any one borrower of £500,000 (CDFIs £750,000).


Icon expand Will we receive feedback on our loan application if unsuccessful?

If you request it, we'll give feedback as part of the decline process should you be unsuccessful in applying for a loan.


Icon expand Can we appeal against a loan decision?

You cannot appeal. The loan request is reviewed in great detail by our loans officers and credit panel. If your application is unsuccessful, we will not review it until you present new information.


Icon expand If my loan application is unsuccessful, can I reapply?

Yes. If there has been a change in your circumstances or you are able to present new information, please contact the team. 

Community Business Loan Get in touch

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.

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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