Kent & East Sussex Railway

Tenterden, UK

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Kent & East Sussex Railway (K&ESR) is a tourist attraction and educational charity looking after 100,000 visitors who travel on the railway every year. The company needed a loan to re-finance some existing debt, which had been incurred in 2000 to extend the length of the railway line, and finance for new office accommodation.

K&ESR sought three quotes and CAF Bank came up with the best terms for a loan.

The terms of the loan* were carefully drawn up by CAF Bank to ensure that the repayments were within K&ESR’s capability to repay both the principal of the loan and the interest, continue to achieve adequate revenues from their operation, and ensure that they had sufficient capital to run the charity effectively.

The loan has enabled K&ESR continue their vital work of preserving the railway and delivering a historical education - a key part of Britain's industrial heritage - and improve their working environment.


“CAF Bank were easy people to deal with, they understood our requirements and were able to take decisions quickly. CAF Bank are able to operate without undue bureaucracy and to minimise the costs associated with a loan.

“We would certainly recommend CAF Bank to other charities. We particularly like their electronic banking system (Bacs) which is easy to operate and is very quick to process payments. This was markedly better than the system that we had used previously with another bank.”
Philip Shaw, Finance Director, Kent & East Sussex Railway Company Ltd.



Do you want to develop new revenue streams? Are you considering loan finance? Contact our charity loan experts now for a free consultation:

If you're looking for an efficient way to make payments from and collect Direct Debits into your CAF Cash Account, find out more about our Bacs bureau service.

* 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.