CAF Venturesome


Repayable finance to help Community Land Trusts develop affordable housing in England and Wales.

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The Community Land Trust (CLT) Fund provides two distinct types of financing to support community housing schemes in the UK. We provide finance from £20,000 to over £400,000 that can be used for:

Pre-planning finance - Unsecured loans from £20,000 to over £60,000 (the final amount offered is dependent on the risk of the scheme and the number of affordable homes being constructed). The loan has an annual interest rate of 10% payable when capital is repaid.  If planning permission for the scheme is refused, we may write off the loan.

Development financing - Loan financing from £200,000 to over £400,000 to finance construction costs of affordable homes. The loan takes second-charge which enables the leveraging of the secured finance (eg from a bank). The loan has an interest rate of 7.5%.

Helping communities build

CLT REPORT150x150px
Our latest CLT report Helping Communities Build comes just a fortnight after the announcement from a cross-party commission that the Government must launch the biggest council and social house building initiative on record.

The report was written by two leading academics from Sheffield Hallam Universitry and highlights the need for start-up support if community led housing is to help solve the housing crisis.
Download your copy


We provide pre-development and development finance for Community Land Trusts


The Community Land Trust (CLT) Fund supports organisations that are:

  • incorporated in England or Wales
  • working on a scheme where at least 50% of the homes being constructed are affordable
  • meet the requirements of being a Community Land Trust:
    1. asset lock to ensure homes remain affordable in perpetuity
    2. open membership system
    3. clear objective of buidling affordable housing set out within governing documents


Download our leaflet


Example loan calculation (Pre-planning)

For a £50,000 pre-planning loan a CLT would pay back £50,000 plus the following amount of interest depending on how long the loan has been outstanding:

1 year
2 years

Example of loan calculation (Development)

If you were to borrow £200,000 at 7.5% interest, you would typically repay interest and capital on completion of the homes. In this case you would pay £15,000 per year for interest.

Pre-planning stage

  • For CLTs which have identified a scheme but need financial help to get to planning. Our financing can go towards a variety of things such as survey costs, site investigations and planning fees.
  • One-off legal fee £750
  • The loan has an annual interest rate of 10% payable when capital is repaid.  If planning permission for the scheme is refused we may write off the loan.

 Development stage

  • For schemes which have planning permission and are ready to build homes
  • Typically 7.5% annual interest
  • £750 legal fee and 1% commitment fee
In certain circumstances, we may need to offer you a different interest rate.
We also offer standby facilties and other forms of social investment.
Contact us for details.


Read our CLT sector report and get insights on how you can support it.

Our CLT Report

  • Community
  • £7.4m

Find out what we’ve learnt from managing the first CLT-specific fund in the UK: the successes and challenges - and how to support the sector.

Find out more
We supported Cornwall St Teath CLT with funding to develop new low cost homes in Cornwall.

Cornwall St Teath CLT

  • Community
  • £374,000

Developing affordable homes, to buy or rent, to meet the needs of local communities across Cornwall.

Find out more

Totnes Community Development Society

  • Community
  • £70,000

Building 55 affordable homes on the former site of a Dairy Crest factory in the parish of Totnes, Devon

Find out more

Want to know more?


Contact our expert team for an initial chat about social investment through CAF Venturesome

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Is social investment not for you?

Borrow from £50,000 to £5 million with loan repayment terms up to 25 years to undertake a project, purchase a property of refurnish a property, or expand your services.

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Meet the team behind CAF Venturesome

An introduction to our team, who have a wealth of expertise in helping charities access social investment.