Details

Social & Community Capital is a charity funded by Royal Bank of Scotland to help social enterprises, charities and community businesses. They provide funding and support for organisations based in the key focus areas of Midlands, North West of England and Scotland who don't qualify for mainstream finance.

There are four loans to meet different needs:

• Property Purchase Loan: Funding to renovate or purchase a property. Apply for £30k to £500k.
• Flexible Growth Funding: Looking to grow and increase your impact. Apply for £30k to £350k.
• Working Capital Loan Flexible finance to cover overheads and smooth out cashflow. Apply for £30k to £250k.
• Bridging Loan: Pay VAT or cover overheads before grant funding arrives. Apply for £30k to £250k.

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Geographical areas funded: Scotland

Fund type

Type of funding:

Loan

Type of cost:

Capital, Revenue, Core costs

Fund award sizes

Minimum:

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Maximum:

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Average:

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Annually awarded:

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Notes on award amounts:

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Who can apply

Business charities and social enterprises who don't qualify for mainstream loans. You don’t need to be a Royal Bank of Scotland customer to apply. Eligibility criteria:

• You’re an established third sector organisation in the UK.
• Your work has a positive social impact in the UK.
• 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 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 the 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.

You deliver impact within the key focus areas of Midlands, North West of England and Scotland.

When to apply

Apply at any time, open all year round.

How to apply

By calling 0207 672 1411 or email [email protected], or complete the enquiry form online via their website.

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Exclusions

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Activites funded: Housing and shelter Arts and culture Citizenship and community involvement Community development and regeneration Community facilities Transport Education and training Employability services General charitable activities Health care and wellbeing Health education and promotion Heritage and building preservation Mental health care Sport and physical activity Recreation and social activities Social care and welfare

Beneficiaries funded: People affected by drugs and alcohol Black and Ethnic Minorities Carers Children Economically/socially disadvantaged Families General public Homeless or badly housed Care experienced people Socially isolated people LGBTQI people People in poverty Rural communities Men Mental health conditions Offenders and ex-offenders Older people Ill-health Disabilities Learning disabilities Physical disabilities Sensory impairments Refugees and asylum seekers Local communities Voluntary sector organisations Unemployed Victims of crime and abuse Volunteers Women and girls Young people Veterans and armed forces personnel Urban communities

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Last reviewed 3 months ago