Flexible charity loans from CAF Bank

Loans and overdraft facilities
to help your charity thrive

Obtaining flexible loan finance isn’t always a straightforward process, as many commercial or high street lenders simply don’t have the appetite for lending to charities.

CAF Bank takes a different view.

We offer a range of secured loans, unsecured loans and flexible funding solutions exclusively to UK registered charities and not-for-profit organisations.

So, if you're looking to buy or develop a new property, need additional working capital or are looking to refinance existing borrowings, CAF Bank is ready to help. Download the Financing the Future guide for everything you need to know about repayable finance.


Read full video transcript >

As a charity, you know how hard it is to keep everything running smoothly to make a bigger difference and find the right time and the right way to grow.

A loan can often be the help your charity needs. You might not have considered one before or been put off by lenders who don’t understand you.

CAF Bank is different: we exist to help charities.

We're owned by a registered charity ourselves and all our services are tailored to helping yours.

And any profit we make is reinvested into the charitable sector.

We offer secured loans from £50,000 to £5m with repayment terms up to 25 years.

Our experts will guide you through the process explaining the benefits and the risks to help you make the right financial choices and achieve your vision.

And really make your charity take off.

Contact us to find out how we can help you fund your charity’s future plans.

Loans are subject to accepted application and credit assessment.

Our approach

CAF Bank has a dedicated team of experienced relationship managers who will work with you to understand your organisation and tailor an affordable solution that meets your needs and circumstances. Call us now on 03000 123 444 to find out more. Lines are open Monday to Friday 9am to 5pm (excluding bank holidays).

Types of loan finance we are able to offer

We will always seek to provide you with a facility tailored to your specific needs and can offer assistance in the form of:

  • Term loans
  • Development funding
  • Working capital facilities
  • Overdraft facilities/cashflow funding

Key features

Loan amounts
  • Secured loans between £50,000 and £5m
  • Unsecured loans of up to £500,000

We're also happy to discuss unsecured and secured overdraft facilities to a maximum of £500,000 unsecured and £1m secured although larger facilities may be considered.

Typical repayment Periods
  • Secured loans up to a 25 year term
  • Development loans up to a 2 year term
  • Unsecured loans up to a 5 year term
Interest Rates

We will always seek to offer interest rates that are competitive in the market place. Interest rates will be a fixed margin above base rate.

  • Arrangement fees
  • Renewal fees
  • Solicitor's fees
  • Valuation fees

Fees will be be charged at competitive market rates and depend on the complexity of the loan arrangement.

  • Maximum Loan to Value normally 70%
  • Secured loans typically involve taking a first legal charge over the freehold or leasehold property (remaining term of lease to be no less than 55 years)
  • For Development loans we would look to secure any facility by way of a first legal charge over the development site
  • Other forms of security may be considered


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).
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CAF Venturesome

If your charity has a clear social agenda and a secured loan isn’t what you need, talk to CAF Venturesome - our pioneering social investment arm.

Find out more about CAF Venturesome