Loan finance to help get a building project off the ground and open the doors
to your community

Whether you are planning to buy a manse, build or redevelop a church, or to develop land assets, we’re here to help.

At CAF Bank, our secured loans are designed for UK-based charities and socialpurpose enterprises that have been running for at least three years.

We’re owned by Charities Aid Foundation (CAF), which means any surplus we make is reinvested to support the charitable sector. Borrowing from CAF Bank 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 too.

Every loan we’ve provided has a story to tell.


Here’s what we offer

  • Secured loans for land and property purchase, redevelopment, restoration and refurbishment projects
  • Refinancing of existing debt
  • Loan amounts of between £150,000 and £10m
  • Repayment terms over 2-25 years
  • Support of a dedicated relationship manager

What is a secured loan?

A secured loan is a loan backed by an asset your church or faith group owns. This could be a church property, for example. The asset is used as payment if you're unable to pay back the loan.

Download the brochure

Amplify the power of good

More than 14,000 charitable organisations use our banking, deposit account and lending services. The reason: we understand charity finance like nobody else and we share your values.

Owned by major UK charity the Charities Aid Foundation, our profits are reinvested to support the charity sector. We take time to understand your finances, governance, business plan and vision.

Crucially, by focusing on the heartbeat of your project – its impact on your congregation and beneficiaries – we help you to build a stronger community.

In good company

Take a look at some of the projects we have supported.

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

A retreat space fit for the future

Installing a biomass heating system has helped a Christian retreat become a more comfortable, energy efficient place for reflection.

Read Ashburnham Christian Trust's story

Raising the roof for a higher purpose

St Michael’s Church, which serves a growing parish, expanded its facilities to create a hub for the local community, with the help of a loan from CAF Bank.

Read St Michael's' Church Story

We’re here to help

Our experienced team is on-hand to help with any loan finance questions you have.

Get in touch

Useful resources

Could a loan help your charity thrive?

How repayable finance could help you to deliver your charity’s future plans.

Loan finance - Questions to consider

Our handy checklist will help you decide if a loan could be right for your charity.

Planning a building development?

Our free guides on repayable finance options and building projects are a good place to start.

Meet the experts

Richard Hunt

Richard Hunt

Director of Customer & Lending

Richard leads CAF Bank’s Customer and Lending team, which helps charities and Housing Associations access loan finance to deliver their goals. He is proud of the team’s support for social housing providers, to develop properties which make a real difference for the lives of residents and wider communities.

As well as combining experience in banking and education finance, Richard is an active volunteer and a trustee of two charities.

David Brown

David Brown

Head of Portfolio & Direct Lending
David has worked in the financial and third sectors for over 30 years. He has developed many charity and individual customer relationships over this time – and has experience in everything from managing successful teams to volunteering.

Find out more about David
Joe Hehir

Joe Hehir

Relationship Director

Joe helps charities, co-operatives, and other not-for-profit organisations compare the suitability of loan finance alongside other funding options, to further their objectives.

As an experienced Lending Manager, Joe has assisted many faith-based charities to buy, build or extend their new or existing buildings. Joe has also supported churches with loans to purchase new homes for church pastors, vicars and priests.     

A former trustee, Joe has worked in the banking and charity sectors for over thirty years.

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.

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.