Loans
Secured loans up to £500,000
A secured loan can support your organisation to deliver social impact.
We offer loans to social sector organisations delivering impact across the UK
Charity Bank loans are normally secured against property assets that your organisation owns or seeks to purchase. Think carefully before taking on a secured loan as failure to repay your loan may put assets at risk.
Check if You’re Eligible for a Charity Bank Loan
Not sure if a Charity Bank loan is right for your organisation? Complete our quick eligibility check form and we’ll guide you toward the best next steps.
Check your eligibilityOur Secured Loans Under £500,000
Amount Available
We offer secured loans from £150,000
Loan security
Loans are normally secured against property assets
Sector Specialists
We are the specialist lender for the UK social sector
UK-Focused
We only support UK-incorporated social sector organisations
Request a Call Back
If you are interested in a secured loan please check your eligibility and and we’ll guide you toward the best next steps.
Request a call back
Why Charity Bank?
We’re more than just an ethical bank. For over 20 years, we’ve created positive social change in everything we do.
All our shareholders are charities and social impact investors. Our borrowers are delivering social impact helping to drive real change for people, communities and the planet – now, and for the long term.
Do you provide unsecured loans?
Charity Bank has very limited appetite for unsecured loans which are normally only available through specialised funding programmes that may be announced from time to time.
What information do I need to provide to support a loan application?
Once you have submitted an enquiry and if we think our loans are right for you, we will ask you to send more information. This will include:
- Financial Statements for the past 3 years (including income and expenditure and balance sheet).
- Management accounts covering the period since the last full year end (including income and expenditure and balance sheet).
- A financial budget for the current year (forecast income and expenditure)
- Financial forecasts for the next two years (income and expenditure).
- A brief summary of the professional experience of your Board and Senior Management team.
What are your typical terms and rates?
Typical terms for a secured loan under £500k are:
- Amount:
- Up to 70% Loan to value for residential property
- Up to 65% Loan to value for commercial property.
- Interest rate: 3.6% above base rate.
- Term: Up to 25 years.
- Arrangement fee: 1.95% of the amount borrowed.
- Commitment fees: No commitment fees apply.
- Early prepayment fees: No early prepayment fees apply unless loan is refinanced with another provider.
- Security: A first legal charge over property assets.
- Valuation Report: A professional valuation report is required for secured loans. Fees will be paid by the borrower.
- Legal Fees: Legal fees associated with the loan including legal due diligence and putting in place the legal charge will be paid by the borrower
What happens once I’ve submitted a loan enquiry?
Once you have submitted an enquiry one of our regional managers will be in touch to discuss.
If we think that our loans are right for you, we will ask you to send us more information. This will include (as a minimum) the following information:
- Financial Statements for the past 3 years (including income and expenditure and balance sheet).
- Management accounts covering the period since the last full year end (including income and expenditure and balance sheet).
- A financial budget for the current year (forecast income and expenditure)
- Financial forecasts for the next two years (income and expenditure).
- A brief summary of the professional experience of your Board and Senior Management team.
What is your key lending criteria?
We lend to organisations that meet the following criteria:
- Incorporated (Company, Community Benefit Society or Charitable Incorporated Organisation).
- Registered in the UK.
- Have a clear social mission delivering positive social impact in the UK.
- Trading for over 2 years.
- Able to demonstrate an ability to repay our loan.
- Are looking to borrow over £150k.
Lending across the Social Sector
We lend to a range of sectors, focusing on creating positive social impact. Here are some of the key sectors we support:
To get a deeper understanding of our borrowers’ impact on people’s lives, read their stories.
Arts
Community
Education
Environment
Faith
Health & Care
Social Housing
Sport
Q&A 
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