Community Business Loan

We already have a strong heritage in supporting community-based businesses, such as social enterprises, charities and co-operatives, as well as business activity that has a positive impact on society.

We are now building on that by investing £5 million in the RBSG Micro-finance Fund, an independent charity, which is supported by RBS. As a result of this support, the Charity has launched a £5 million Community Business Loan.

Why do we do it?

We value the huge potential that community businesses have in delivering both social and economic benefit in the communities in which they operate.

Now, in the face of the challenging economic environment, we recognise that it is time for us to do more.

• Who can benefit

Read more to find out what micro-finance can offer.

The RBSG Micro-finance Fund is set up to help potential and existing social entrepreneurs who are unable to access finance through the normal mainstream channels. The fund offers financial support for the purpose of starting or expanding a community-based business.

Your organisation

To be eligible for funding, your organisation must be all of the following.

• A business with clear social or environmental objectives which reinvests profits for a social purpose.
• An established third-sector organisation located and trading in the UK.
• Investment ready in terms of management, governance and financial position.

View all the eligibility criteria.

If you want to apply send an email to commloan@rbs.co.uk, detailing your interest and someone from the team will contact you to discuss your eligibility.

• FAQs

What types of funding and support do you provide?

The RBSG Micro-finance Fund can provide a Community Business Loan. These loans can be tailored to your business’s requirements and are offered on flexible terms, giving your community business every chance of success.

• Eligibility criteria

• Your business must have a history of generating income other than grants.
• Your business must not be insolvent or at risk of insolvency.
• Your loan proposals should not be seeking to replace debt finance.
• Includes third-sector support, intermediary or infrastructure organisations.
• Your loan proposals must not relate to the ongoing delivery or costs of services or projects where funding would normally be available from banks.