Make an impact quicker with a loan

Our secured loans are designed for UK-incorporated charities and social purpose enterprises that have been running for at least three years.

Our charity loans start at £150,000, and go up to £5m (or up to £8m for social housing schemes). 

Because we’re owned by Charities Aid Foundation (CAF), any surplus we make is reinvested to support the charitable sector. Borrowing from us doesn’t just mean choosing a bank that shares your values and measures of success. It means benefitting from the specialist insight of our CAF colleagues.

Key features of our loans

Getting to know you

We'll meet with your charity or social enterprise to understand your goals, business model and project plan.

Risks and benefits

We'll make sure you are aware of the potential risks and benefits associated with any type of borrowing.

Flexible finance

Our loans are tailored to charities’ needs and financial situation, helping borrowers to find an affordable solution.

Security for loan

We'll lend to you secured against assets (or collateral, as it is often termed) that your charitable organisation owns.

Loan term

Our charity loans are repayable over 2-25 years.

Open minded

Crucially, we're happy to talk to any charity, sector, cause or project.

It’s easy to apply

We start by listening and taking the time to get to know you and your project. Then, if we think loan finance could be right for you, we’ll ask you to send us some more information.

 

Get in touch to set up an initial chat

We're here to help

  • What is a secured loan?

    A secured loan is a loan backed by an asset (or collateral, as it is often termed) that your charity owns. This could be your premises, for example.Your secured assets are at risk if you are unable to repay the loan.

  • What is the difference between secured and unsecured loans?

    An unsecured loan isn’t provided against any sort of collateral. It means that the amount which can be lent is often less and the interest rate may be more. However it can be a cheaper and more suitable alternative for smaller amounts.

  • Unsure if you’re ready to apply?

    There are a few things to think about before you jump into your application. We cover them all in this helpful overview.

    What to consider before applying for a loan

  • When could a loan be a potential funding option?

    If you're unsure whether a loan may be suitable for your organisation, read our guide to learn how charities are putting loan finance to good use to achieve their goals.

    Then get in touch with our expert team for a confidential discussion about your plans.

  • Where can I find more about loans?

    Find out everything you need to know about repayable finance for charities and other social purpose organisations.

    Our guide to financing the future

In good company

Our vast sector experience lets us offer strong support to charitable organisations and social enterprises. All so they can do more for the communities that depends on them.

Discover their stories

Church congregation singing

Vibrant church and community hub

How we helped a church to secure its much-loved space for a rapidly growing congregation.

Read the church's story
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Award-winning homes

How an award-winning sheltered housing project created a supportive community for older people in need.

Learn about the project's impact
Young people having lunch at a table

Building communities

This charity provide homes for those with learning disabilities. Our charity expertise made us a natural partner.

Read Field Lane's story

CAF Bank loans are non-regulated products.

Loan applications subject to credit assessment. Security will be required.

Charity assets may be at risk if you do not keep up with the repayments for a mortgage, loan or any other debt secured on them.

If you're thinking of consolidating existing borrowing, you should be aware that you may be extending the term of the debt and increasing the total amount you pay.

This product is provided by CAF Bank Ltd.

CAF Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204451).

CAF Bank Limited Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. Registered in England and Wales under number 1837656.