CAF Venturesome

BUILDING AFFORDABLE HOMES

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

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WHAT WE OFFER

We provide pre-development finance from £20,000 to £100,000 and development loans up to £400,000 that can be used to:

  • carry out the work needed to submit planning permission for the scheme
  • complete the scheme

A leader in social investment

We’re the only nationwide provider of repayable finance for pre-development funding.

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


CAN WE HELP YOU?

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

  • incorporated in England or Wales
  • working on a scheme which is at least 50% housing
  • incorporated CLT entities

What we look for

As part of the process we'll review your plans, current and historic finances, governance, management and social impact.

Not for you? See our other funds.

WHAT'S THE COST

We offer one of the lowest interest rates in the social investment market.


Example loan calculation (Pre-development)

For a £50,000 pre-development loan a CLT would pay back £50,000 plus a £12,500 success fee. If a CLT fails to secure planning permission and the scheme does not go ahead the loan is converted into a grant.

Example loan calculation (Development)

If you were to borrow £100,000 for 3 years at 7.5% interest rate, your first monthly payment would be £3,110.62. This is made up of £2,485.62 for capital repayment, and £625 for interest.

Pre-development stage

For CLTs which have identified a scheme but need financial help to get to planning.




One-off legal fee

Success fee (charged at the end of the loan if planning permission is successful)
£500

25%

Development stage

For CLTs which have got planning permission and are ready to build the homes.

Interest (fixed rate per annum)

Early repayment
7.5%

No penalty


*In certain circumstances, we may need to offer you a higher interest rate.

We also offer standby facilties and other forms of social investment. Contact us for details.

OVER 500 SOCIAL INVESTMENTS TO HELP CHARITABLE ORGANISATIONS

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

CASE STUDY

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.

CASE STUDY

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
We supported Lyvennet Community Trust with funding to create homes for locals

Lyvennet Community Trust

  • Community
  • £330,000

Building 12 new low-cost homes for local working families on a former industrial site.

Find out more
 

Want to know more?

TALK TO US TODAY

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

Get in touch now

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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.