Social investment lenders
Lenders whose loans are for charities, social enterprises, co-operatives and community businesses.
How this kind of finance works, its costs and its downsides: Social investment for charities and social enterprises.
Listed from public records under the listing criteria, free and without asking the firms. Being listed is not an endorsement, and paying cannot change who is listed or where. Check the FCA Register yourself before you sign anything. Something wrong or out of date?
In alphabetical order. With JavaScript on, the order is shuffled on each visit.
Big Issue Invest
BIG ISSUE INVEST LIMITED
Loans from £20,000 to £4 million for social impact organisations, at every stage of growth.
FCA registered, not authorisedNot FCA-regulated for thisLoans to companies, charitable companies and other incorporated bodies are not regulated credit agreements, which need a borrower who is an individual, a small partnership or an unincorporated body. (source)
- Companies House
- 04764982
- FCA
- FRN 596764: Supervised for anti-money laundering purposes only
- Member of
- Responsible Finance
Big Issue Invest: home page (the firm's own page)
Last checked 9 October 2026
Charity Bank
THE CHARITY BANK LIMITED
Loans of up to £8.5 million, across a wide range of sectors and causes.
FCA authorisedScammers have copied this firm. The FCA has warned about charitybank.online (clone of FCA authorised firm). Use the contact details on the FCA Register.
- Companies House
- 04330018
- FCA
- FRN 207701: Bank (authorised by the Prudential Regulation Authority)
- Member of
- Responsible Finance
Charity Bank: home page (the firm's own page)
Last checked 9 October 2026
Co-operative & Community Finance
INDUSTRIAL COMMON OWNERSHIP FINANCE LIMITED
Loans from £10,000 to £75,000, or up to £150,000 from other funds, with no personal guarantees, from loan funds across the UK.
FCA authorised- Companies House
- 01109141
- FCA
- FRN 171201: Arranging deals in investments; advising on P2P agreements
- Member of
- Responsible Finance
Co-operative & Community Finance: home page (the firm's own page)
Last checked 9 October 2026
Key Fund
KEY FUND INVESTMENTS LIMITED
Investment from £5,000 to £300,000 for community and social enterprises in the North of England and the Midlands.
Not on the FCA RegisterNot FCA-regulated for thisLoans to companies, charitable companies and other incorporated bodies are not regulated credit agreements, which need a borrower who is an individual, a small partnership or an unincorporated body. (source)
- Companies House
- 04502557
- FCA
- Not on the FCA Register when we searched
- Member of
- Responsible Finance
- Covers
- England
Key Fund: home page (the firm's own page)
Last checked 9 October 2026
Kindred
KINDRED LCR CIC
Investment in socially trading organisations in the Liverpool City Region.
Not on the FCA RegisterNot FCA-regulated for thisLoans to companies, charitable companies and other incorporated bodies are not regulated credit agreements, which need a borrower who is an individual, a small partnership or an unincorporated body. (source)
- Companies House
- 12744343
- FCA
- Not on the FCA Register when we searched
- Member of
- Responsible Finance
- Covers
- England
Kindred: home page (the firm's own page)
Last checked 9 October 2026
NatWest Social & Community Capital
NATWEST SOCIAL & COMMUNITY CAPITAL
Loans of £30,000 to £500,000 for social enterprises, charities and community businesses, from an independent charity backed by NatWest.
Not on the FCA RegisterNot FCA-regulated for thisLoans to companies, charitable companies and other incorporated bodies are not regulated credit agreements, which need a borrower who is an individual, a small partnership or an unincorporated body. (source)
- Companies House
- 03901460
- FCA
- Not on the FCA Register when we searched
- Member of
- Responsible Finance
NatWest: Social & Community Capital (the firm's own page)
Last checked 9 October 2026
Social Investment Cymru (WCVA)
WALES COUNCIL FOR VOLUNTARY ACTION
Loan funds for organisations in Wales, including bridge and build loans, a clean energy fund and a community asset loan fund.
Not on the FCA RegisterNot FCA-regulated for thisLoans to companies, charitable companies and other incorporated bodies are not regulated credit agreements, which need a borrower who is an individual, a small partnership or an unincorporated body. (source)
- Companies House
- 00425299
- FCA
- Not on the FCA Register when we searched
- Member of
- Responsible Finance
- Covers
- Wales
WCVA: Social Investment Cymru (the firm's own page)
Last checked 9 October 2026
Social Investment Scotland
SOCIAL INVESTMENT SCOTLAND
Loans from £25,000 to £875,000, including the SIS Community Finance Fund and bridging loans for grant-funded projects, for social enterprises in Scotland.
Not FCA authorisedNot FCA-regulated for thisLoans to companies, charitable companies and other incorporated bodies are not regulated credit agreements, which need a borrower who is an individual, a small partnership or an unincorporated body. (source)
- Companies House
- SC223302
- FCA
- FRN 537563: No longer registered as an Appointed Representative
- Member of
- Responsible Finance
- Covers
- Scotland
Social Investment Scotland: Investment (the firm's own page)
Last checked 22 October 2026
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