Royal Bank of Scotland Social & Community Capital is a trading name of NatWest Social & Community Capital Registered in England No: 03901460, Registered office: 250 Bishopsgate, London EC2M 4AA. Charity Registration No: 1079626.
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Social & Community Capital
Providing flexible loans to charities and social enterprises
Employment, education and training
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Services for the most disadvantaged
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Community regeneration
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How we could help
We know how hard it can be for charities, social enterprises and community businesses to find the right finance.
Whether you need a loan to expand your operations, upgrade your premises, hire new staff or diversify your services, we’re here to help.
We support you every step of the way.
Property Purchase Loan
Funding to renovate or purchase a property
- Apply for £30k to £500k.
- 4% to 7% (1% deduction where fixed charge is in place).
- Repayment term up to 15 years.
- Approval & arrangement fees apply.
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Flexible Growth Funding
Looking to grow and increase your impact
- Apply for £30k to £350k.
- 4% to 7% fixed interest rate.
- Repayment term up to 10 years.
- Approval & arrangement fees apply.
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Working Capital Loan
Flexible finance to cover overheads and smooth out cashflow
- Apply for £30k to £250k.
- 5% to 7% fixed interest rate.
- Repayment term up to 1 year.
- Approval & arrangement fees apply.
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Bridging Loan
Pay VAT or cover overheads before grant funding arrives
- Apply for £30k to £250k.
- 5% to 8% fixed interest rate.
- Repayment term up to 2 years.
- Approval, arrangement & commitment fees apply.
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Security may be required. Eligibility criteria applies. Over 18s only. Subject to status, business use only. Any property or asset used as security may be repossessed or forfeited.
Who we help
Here are two organisations we’ve recently supported. To read their stories, check out our impact report.
Flexible Childcare Services Scotland (FCSS)
FCSS provides flexible early learning and childcare that responds to the real working lives of families.
Intercultural Roots for Public Health (IRPH)
IRPH is a charity advancing health, wellbeing, and social justice through embodied arts and intercultural practices.
Our Annual Impact Report
In our annual report you’ll find more details about the organisations we’ve supported across the UK and how our loans have helped them strengthen and grow.
Victoria Papworth
CEO
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Brendan Hegarty
Loans Officer
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Tracy Thomson
Loans Officer
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