For charities
Borrowing
Working capital and project finance from people who understand grant timing.
Charities are frequently solvent and simultaneously unable to pay this month — because a confirmed grant arrives in arrears. Mainstream lenders read that as risk. We read it as a timing problem with a known resolution date.
We lend against confirmed income, contracted service revenue and property, at rates set for charitable purpose rather than extracted from it.
Bridging against confirmed grants
Draw against an awarded but unpaid grant so delivery starts on schedule.
Project and capital finance
Longer-term facilities for buildings, vehicles and major equipment, amortised to match your income.
Overdraft facilities
A committed buffer for seasonal cash flow, priced on use rather than on availability.
No personal guarantees
We do not ask trustees to guarantee charitable borrowing personally. Ever.
What we will need from you
We keep the pack short, and we ask for it once.
- Two most recent sets of filed accounts
- Current-year management accounts and cash-flow forecast
- Grant award letters or contracts you intend to borrow against
- A copy of your governing document and trustee borrowing authority