Loans for Charities & Social Enterprises

Denise has 35 years experience in Commercial Banking, having started her banking career at NatWest on a Management Development programme. She joined Charity bank in January 2023 and feels privileged to have worked in the Not-For-Profit sector for 15 years as a Banking specialist. Denise has worked with a range of Charities, Social Enterprises, Community Interest Companies as well as professionals within the sector throughout my career.

“Charity Bank is a bank for the sector, owned by the Sector, and it really does make a difference to the organisations who seek funding to fulfil their mission. As an ethical lending manager, I’m passionate about working with these organisations, spending time to understand their operational and financial models and risk assessing if loan funding is right for them. I will additionally provide support to the organisations throughout the process. I also enjoy taking part in sector events across the North region as well.”

Mark is one of the Lending Managers at Charity Bank, mainly working with organisations that are looking to borrow up to £500,000. He supports organisations through the initial credit process and continues to work with them through legal documentation and completion.

He has over 35 years experience within the banking sector, the past 20 years of which have been specialising in the charity sector.

“I am always inspired by the work undertaken by the organisations that we support. I love having the opportunity to meet with our borrowers to see first-hand the essential contribution the wide variety of organisations we work with make to society.”

Carolyn is Director of Lending at Charity Bank. She joined Charity Bank in 2005 having previously worked for a European Bank in the city, where she established and managed their social housing loan book, growing it to over £1bn. Carolyn is a trustee of two Almshouses and a Director of Almshouse Consortium Ltd. She is Chair of Postcode Lottery Innovation Trust as well Maidstone Grammar School for Girls Development Trust.

“I love working for Charity Bank in a frontline role. I spend my time meeting and talking with people, trying to help them with their funding needs and witnessing the social impact delivered.”

Nathan joined Charity Bank in 2024, bringing with him 18 years of experience in commercial banking, people leadership and channel strategy.  Throughout his career, he has worked in business development roles, with seven years as a specialist to the Charity, Education & Social Enterprise market. Nathan has also served in a non-executive capacity in the Charity sector for the past 15 years, providing him with deep insights into the challenges faced by the organisations we serve at Charity Bank.

Nathan is married with two children and enjoys outdoor activities such as walking, cycling, and spending time on the family allotment. He also values investing time in his faith, family, and friends.

“Charity Bank’s aim is to become the lender of choice for socially minded organisations, and I’m delighted to be playing my part in this.  I have recently joined to oversee regional Relationship Managers in Impact Lending, who work with clients to structure and onboard our larger loans, significantly enhancing our Balance Sheet through a proactive solutions-led approach.

Additionally, I lead the teams that manage the banks lending journeys, from onboarding to completion, and those that provide portfolio management for our existing clients. My colleagues and I are dedicated to delivering an exceptional client experience for organisations borrowing from Charity Bank.”

“My team focuses on providing investment to smaller charities and social enterprise delivering positive social impact in the UK. We manage all Charity Bank investments under £500,000, including our innovative programs which provide grants, unsecured loans and other support. We passionately believe that smaller localized organizations can provide the most impactful solutions to social issues. It is a pleasure to work in a team focused on helping charities and social enterprises delivery their plans.”

Daniel has worked in the social investment space for over 15 years. He joined the bank in 2021, having previously been deputy-CEO at a leading UK Social Investor. Daniel was the former non-executive director for London Community Land Trust and EJAF Social Impact CIC (part of the wider Elton John Aids Foundation), as well as founder of the East Wick Growth Fund, a local level social investment program.

“My role is to support the Head of Small Social Lending to grow Charity Bank’s lending book through the sourcing and conversion of investment opportunities within the Third Sector – deliberately reaching organisations and communities that have historically been underserved and underfunded and prioritise those organisations that are serving the most vulnerable.

On a personal level I am passionate about helping people and I participate in all manner of charitable activities from fund raising to volunteering at food banks and homeless shelters. I am delighted and excited to be part of Charity Bank and transfer my years of banking experience to support non-profits to maintain, deliver and grow their operations in order to achieve their social mission and goals.”

Marti joined Charity Bank in March 2023 and has over 15 years retail and commercial banking experience, previously working at HSBC, Unity Trust and Nationwide. Outside work Marti enjoys spending time with family and long walks with her dog Penny. And when spare time allows, she enjoys upcycling furniture.