Amanda Soobrayan

Director of Finance, Stoll

Charities Aid Foundation


Stoll is the leading provider of supported housing to vulnerable veterans, providing affordable, high-quality housing and support services for over 600 people each year. Through our four London schemes, we’ve made over 250 affordable homes available for rent to service leavers in greatest need. And we also arrange affordable rented accommodation throughout the country, in partnership with housing associations and local authorities.

We offer a bespoke service enabling veterans to make a successful transition and adapt to civilian life. Our services include advice on housing, managing money, dealing with debts and support to find work, advice on drug or alcohol problems and a range of social and community activities. Ultimately, the focus of all our work is enabling vulnerable and disabled veterans to lead fulfilling, independent lives.


Single veterans with health and other support needs face particular difficulties in finding affordable housing, especially in garrison towns and metropolitan areas. To address this social housing shortage, we marked Stoll’s centenary anniversary in 2016 by making a commitment to create 100 new homes for veterans.

Funding from our existing reserves helped us to start the project. However, we faced a shortfall in the finance needed to get the scheme off the ground. The land had been purchased and all our plans were in place, including planning permission for the first phase of 34 homes. Rather than wait for donations to raise the necessary funds, we approached CAF Bank for loan finance to help meet the shortfall.

The loan from CAF Bank will help us tackle the local social housing shortage in Aldershot (the home of the British army) by providing new homes for 34 veterans. As a medium-sized charity, any profit Stoll makes is invested back into its support services for veterans. I know CAF Bank shares a similar ethos, with its focus on supporting the charitable sector.

The competitive interest rate and the favourable repayment terms on the loan made CAF Bank an ideal lending partner for us. We value the opportunity to build a relationship with CAF Bank, whose team provided an efficient and professional service throughout.

London-based Veteran, George, takes a break from decorating his flat at a Stoll social housing scheme.


Building work on the Aldershot development began in 2016 and will be completed in 2018. The new purpose-built homes are located in a tranquil setting, with access to the town centre. The plans include landscaped gardens which will be accessible for disabled veterans. A support worker will be available for all those living on the new site. Feeling part of a community is a vital issue for many veterans. So the training and vocational activities which we’re setting up at the new development will also be available to other veterans living in the area.

This is an important milestone for Stoll. It marks the first time we will be providing our own accommodation to veterans outside London. This development would not be possible without the support from our funding partners. With their support, we can help even more veterans to lead independent and fulfilling lives.

David Brown, Client Relations Manager, CAF Bank, says “When I first met with Amanda at Stoll, the priority was to establish the needs of the organisation and how best to help meet these.

It was clear from the outset that Stoll are passionate about providing high-quality support to their beneficiaries.”

“CAF Bank is owned by a charity and our main aim is to support charities in their mission.

So it was important for us to fully understand Stoll’s operational model and use our experience to put forward a proposal that reflects their vision and financial situation.

We are fully aware of the challenges charities face to find the right lender and loan options, and gear our products and services to meet their needs.”

If you’re looking to get a project off the ground, call CAF Bank’s team of charity loan experts today on 03000 123 444 to discuss your options. Or find out more about loan finance, by reading our guidance for charities and not-for-profit organisations.

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 (CBL) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. Registered under number 1837656. CBL is a subsidiary of Charities Aid Foundation (registered charity number 268369).