Social & Community Capital

Supporting  charities & social enterprises     

About Social & Community Capital

Social & Community Capital is a charity funded and supported by Royal Bank of Scotland in order to help social enterprises and community businesses.
a woman mechanic fixing a car

Supporting our communities

As a community venture, you can make a big positive impact. With our strong heritage of supporting community-based businesses, we’re doing more to help.

How we can help

Maybe you need funding to get off the ground. Perhaps you need the networks or supply chains to grow and evolve. We’re there to support you at every stage of the journey, from starting up to expanding your impact on the world.

Community business loan

We offer alternative funding to business charities and social enterprises who don't qualify for mainstream loans.

Our community business loans offer funding from £30,000 to £750,000 with flexible terms and repayments holidays including access to sector experts. 

Our support so far

In the last five years, Social & Community Capital has approved over £10 million in loans to more than 80 organisations throughout the UK. Our ambition is to increase the size and strength of this important sector of the UK economy. Here are some examples of the social ventures we've supported.

Heron Educational Foundation

Humbleton, Flinton and Fitling, country villages in East Yorkshire. The Foundation supports children and young people in education and beyond. The income from the rent also allows the Foundation to offer grants to children throughout their school years and helps young people into the world of work, for example, paying for tools of the trade for an apprentice.

Herts Schools Outreach

Herts Schools Outreach (HSO) provides an invaluable early intervention service for vulnerable children and young people. By offering them the understanding and support they need at a crucial early stage, it often prevents things from reaching a crisis.

The Ledge

The Ledge is a community-focused climbing centre with a social mission. Based in Inverness, it’s a home for the Highland climbing community. But it’s also a charity designed to help people overcome life challenges through the shared therapeutic experience of climbing.

Create (Cornwall) CIC

Camborne Contemporary Crafts Hub (CCCH), established by Create (Cornwall) CIC, has given an old building in Camborne town centre a new lease of life as an accessible space that welcomes people from across the community, regardless of income, age or artistic ability.

Northumbria Youth Action

Northumbria Youth Action (NYA) offers young people practical courses and qualifications on motor vehicles, hairdressing and beauty therapy, and hospitality, giving them the opportunity to gain real life skills and experience to help boost them into their chosen career.

Glasgow Vintage Vehicle Trust

The Glasgow Vintage Vehicle Trust (GVVT) uses its incredible collection of restored vehicles to encourage community engagement and generate social inclusion.

Others we have supported

See more businesses and social ventures we have helped. 

Our impact report

We aim to provide access to appropriate financial and business support to viable social enterprises, charities and community businesses unable to access mainstream finance. Read our most recent impact report to see what we have achieved.

Meet the team

Victoria Papworth, CEO

Victoria Papworth, CEO

07920 560946 



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Megan Virrels

Megan Virrels, Special Advisor

07825 682728



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Tracy Thomson - Loans Officer

Tracy Thomson, Loans Officer

07920 586028



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Tracy Thomson, Loans Officer

Brendan Hegarty, Loans Officer

07977 150055



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This is us

We’re an experienced and friendly team at S&CC. We support businesses who are passionate about helping others, and that’s what motivates us too. We love building relationships with the people we support, finding out about their goals, but also the challenges they face, so we can help them when it matters most.

Additional support

We work with a range of organisations to help community and social enterprises. From helping neighbourhoods thrive to providing helpful facts and figures behind the latest developments, our partners could help you.

Something else we can help you with?