Borrowing

LOANS FROM CAF BANK

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

Get in touch now

WHAT DO WE OFFER?

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

We provide secured loans of between £50,000 and £5million, repayable over 2-25 years. By borrowing against your assets, such as property, you can make a bigger impact sooner.

WHAT TYPE OF LOAN DO YOU NEED?

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.

KEY FEATURES OF OUR LOANS

  • 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.

GET STARTED TODAY

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

HOW MUCH WILL IT COST?

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 £2,650 + 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

WE'VE HELPED ORGANISATIONS LIKE YOURS

View all of our case studies

CAF Bank helped West Essex Mind

West Essex Mind

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

How CAF Bank helped
CAF Bank helped Druglink

Druglink

Buying its premises helps ensure the future of a drug addiction prevention charity.

Read Druglink's story
CAF Bank helped Stoll

Stoll

How lending from CAF Bank will help tackle the social housing shortage in Aldershot.

How a loan helped

Need some help?

ANY QUESTIONS?

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.

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 (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).