We offer flexible loans, exclusively to UK-registered charities and not-for-profit organisations, to bring your ideas to life.

Get in touch now


We know that sometimes your charity needs a loan to achieve its goals.

We provide secured loans of between £150,000 and £5 million to charitable and social purpose organisations, for property purchase, development and refurbishment. Registered Providers can borrow up to £9 million for social housing projects.

Loans are repayable over 2-25 years.

Borrowing against your assets, such as property, can help you make a bigger impact sooner.


Get a secured loan for a property

Buying a property?

We’ll help you secure the property your charity needs.

Enhance your premises with a CAF Bank loan

Developing your property?

We provide loans to build or enhance your property.

We can help you build social housing

Building social housing?

Social housing is needed more than ever. If this is your area, we can help you.

Get a secured loan with CAF Bank

Do you need funding for something else?

We’ll help you get the assets your organisation needs to make an impact. Whatever it is.


  • Designed specifically for UK-registered charities and not-for-profit organisations operating for at least three years
  • We'll work closely with you to understand your organisation’s situation
  • We’ll ensure that you understand the risks associated with any type of borrowing
  • We'll provide an affordable solution that meets your needs
  • We'll work personally with you every step of the application process
  • We’ll lend to you secured against your assets
  • We’re happy to talk to any sector, cause or project.


We’ve made our application process as straightforward as possible, and getting things underway is as simple as starting a conversation.

We’re keen to talk to you now if you’re in the process of deciding to get a loan, and contacting us is confidential and obligation-free.

Every customer and project is different, but here’s an overview of what to expect:

1. Initial enquiry

Get in touch with us and we’ll have an initial discussion about your needs.

2. First thoughts

We’ll ask for some financial documents and get to know you and your project better. Then we’ll agree the best way to proceed.

3. Meeting up

We’ll meet with you to discuss your needs and requirements, understand the risks involved and answer any questions you may have. Following this we’ll send you a proposal.

4. Approval

If you’re happy with the proposal, we’ll undertake the formal credit approval of the loan and submit documents to you for your board to approve.

Loans designed specifically for you

For more details, and to see what happens post-approval, please download our Loan Process Guide


We offer competitive interest rates.

Our fees will depend on the complexity of your application. And will be agreed with you as part of the process.

A one-off arrangement fee is payable.

Download our guide to the loan process
One-off arrangement fee Between 1-2%
 Solictor's fee  

Typically £3,180 (comprising £2,650 + irrecoverable VAT for each loan)

 Disbursements (searches and related fees)  

Typically around £1,500

 Your solictor's fees  

These vary depending on your solicitor. We recommend requesting a fixed price for peace of mind

 Valuation fee  These vary but are charged per property


View all of our case studies

Safe haven for NHS staff and key workers in Cheltenham

Supporting frontline heroes

A charity has adapted its social enterprise project to provide a safe haven for key workers during the Covid-19 outbreak

Read the care charity's story
Bringing people together

Community church leads way

During the lockdown, a forward thinking church has adapted its new building to support vulnerable people in isolation

Read the church's story
The Finchley Charities' social housing project

Award-winning homes

A project to build sheltered housing units for older people in need has received a Best Inclusive Development award

Why the scheme won the award
Person standing on top of snowy rock

Need some help?


Our dedicated team is ready to answer your questions to help you get the ball rolling.

Contact the team

A bank for you

If you’re looking for a bank with services specifically designed for your charity or not-for-profit organisation – we’re your bank.

Loan finance - are charities missing an opportunity?

Is your charity thinking about loan finance, but feel that you haven't quite got enough details to make an informed decision?

Meet the charities team

Our expert team is on hand to help with any questions you have about achieving your charity's mission.

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.