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Charity Finance


How CAF Bank is helping charities develop their assets, to meet growing demand for health and social care.

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More and more UK households are using the services of charities to access health and social care, according to research by CAF*.

As the bank for charities, we support not-for-profit providers of a range of services promoting people's health and well-being, such as:

  • medical care and research
  • mental health support
  • palliative care for adults and children
  • preventing and managing addiction
  • social care for older people and other vulnerable groups
  • support for people with learning or physical disabilities
  • supported housing for people in need

That's why we're celebrating the work of care charities that make a huge difference to so many people's lives. Raising awareness of the support available to help charities meet growing the demand for health and social care.

Browse the resources below to see how you could use loan finance to expand and improve your services and develop or acquire building assets to generate new sources of income and strengthen your charity's resilience.

* Source: CAF Charity Street III, 2018

Norton Housing care support


We provide flexible loans, tailored for UK charities and not-for-profit organisations operating in a range of sectors, including health and social care and social housing.

  • Secured charity loans of between £150,000 and £5 million.
  • For property and equipment purchase, building development and refurbishment projects.
  • Repayment terms between 2 and 25 years.
  • Support from a relationship manager, who takes the time to understand your financial position, governance structure, goals and business plan.

Find out more


CAF Bank is different from other banks because we exist purely for charitable purposes. Any surplus we make is reinvested to support the charity sector.

We're owned by a major charity, CAF, so we understand the values, challenges and business models of charities. Our support is geared to helping you deliver your vision.

Join over 12,000 charities and not-for-profit organisations who use our everyday banking, deposit account and lending services. Team up with a flexible banking partner to help you finance your future plans.

Get in touch now

CAF Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


Care charities are using repayable finance to develop or purchase capital assets, get projects off the ground and deliver their visions - here are some of their stories.

Get in touch today to see if we can help you finance your charity's future plans.

People benefited by care charities

Field Lane

Developing a property to provide supported living for people with learning disabilities.

Watch the video
Group in a care environment

West Essex Mind

A mental health charity saved a community asset, by transforming an old police station into a well-being hub.

Read West Essex Mind's story
Norton Housing

Norton Housing and Support

Branching out from supported housing, to meet the demand for independent living.

Read the charity’s story


CAF research, insight and guidance for charity leaders and trustees.

Find out more about CAF Charity Landscape

CAF Charity Landscape 2019

What obstacles and opportunities are charities facing?

Read the key findings
Financing the Future

Financing The Future

CAF's free guide explains everything that charities need to know about repayable finance.

Download the guide
Download UK Giving 2019

UK Giving Report 2019

Find out who gives to charity, which causes they support and how they like to support them.

How the UK supports charity


Ben Harris

Ben Harris

Business Development Manager. CAF

Ben has worked in the charity sector for over eight years with CAF and previously with a small national health charity.

His experience combines both commercial and third sector roles in business development, fundraising and stakeholder engagement.

Ben Jowitt

Ben Jowitt

Customer Relationship Manager

Ben has worked as a Client Relationship Manager at CAF since October 2015, providing support to a wide range of charities and not-for-profit organisations. He has helped his clients maximise the return they receive on cash surpluses, increase their income by looking at different methods of fundraising and has provided organisations with the finance required to invest in capital projects.

Prior to joining CAF, Ben worked for a firm that designed and implemented the application and monitoring processes for grant-making organisations and has also previously worked in retail and commercial banking for 25 years (latterly working with local government and charities).

Richard Hunt

Richard Hunt

Head of Lending Business Development

Richard is Head of CAF Bank’s charity lending team. He works with charities and other not-for-profit organisations, providing tailored loans to help them make a bigger difference for their beneficiaries.

He previously worked in education finance and is a trustee of two charities.

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Need help or support?


Contact our expert team for an initial chat about how they can help you achieve your charity's goals. Get in touch with them today.

Get in touch with the team


Manage your investments*

Introducing the CAF Investment Account, the only secure, digital trading platform designed for charitable organisations of all sizes.
*Available through CFSL

Four steps to smart saving

Sensible cash management can add value and earn a little extra for your organisation from savings.

Digital fundraising

Encourage people to give more to your charity, by making it quick and simple to donate online.

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.

The CAF Investment Account is provided to you by CAF Financial Solutions Limited (CFSL) and is operated and supplied by Winterflood Business Services. Winterflood Business Services is a registered trading name of Winterflood Securities Limited, registered in England No. 02242204. Registered Office: The Atrium Building, Cannon Bridge House, 25 Dowgate Hill, London EC4R 2GA. Member of the London Stock Exchange and NEX Exchange. Authorised and regulated by the Financial Conduct Authority (FCA register number 141455).

CAF Financial Solutions Limited (CFSL) is authorised and regulated by the Financial Conduct Authority under registration number 189450. Authorisation can be checked on the financial services register at www.fca.org.uk. CFSL Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. Registered under number 2771873. CFSL is a subsidiary of Charities Aid Foundation (registered charity number 268369). Telephone calls may be monitored or recorded to comply with relevant legislation and for training purposes. Lines are open Monday to Friday 9am - 5pm (excluding English bank holidays).

Full legal information

Full regulatory information