Social Enterprise Loan Program
By Social Impact Finance Initiative
Funding Amount
GBP 100,000
Range: GBP 25,000 - 250,000
About This Opportunity
The Social Enterprise Loan Program provides affordable debt financing to businesses creating positive social impact. Whether you're addressing poverty, improving education, advancing healthcare access, or supporting underserved communities, we offer flexible loan terms designed to support your mission. Our loans feature below-market interest rates and flexible repayment schedules that align with your cash flow. We understand that social enterprises often face unique challenges in accessing traditional financing, and we're here to bridge that gap.
Benefits
• Low interest rates (3-6% per annum) • Flexible repayment terms (3-5 years) • Grace period available for early-stage enterprises • No hidden fees or early repayment penalties • Financial management support and training • Access to our network of social enterprise advisors • Potential for loan forgiveness based on impact metrics
Eligibility Criteria
• Must demonstrate measurable social impact • Trading for at least 12 months • Revenue between £100K - £2M annually • Clear repayment capacity from operating cash flow • Social or environmental mission embedded in business model • At least 50% of profits reinvested in social mission
Application Process
1. Online application with business and impact details 2. Initial assessment (1 week) 3. Submit financial statements and impact reports 4. Meeting with our loan assessment team 5. Credit check and reference verification 6. Loan approval and agreement 7. Funds disbursed (4-6 weeks total) Required documents: Business plan, 2 years of accounts, bank statements (6 months), impact measurement data, references
Repayment Terms
Monthly repayments based on cash flow, with option for seasonal adjustments. Interest-only period available for first 6-12 months. Early repayment allowed without penalty. Repayment terms can be restructured in cases of hardship.
Interest Rate: 3-6% per annum (fixed rate)
Success Stories
Our loans have helped social enterprises grow their impact: • Community Café Network created 150 jobs for disadvantaged youth across 8 locations • SkillBridge Training helped 2,000+ people gain employment through vocational programs • HealthAccess Mobile Clinics served 50,000+ patients in rural communities 89% of our borrowers successfully repay their loans and 76% access additional funding to scale further.