SIS Community Finance Fund
Our tailored loans range from £25,001 to £375,000, with the flexibility to consider smaller amounts, from £10,000, based on specific requirements.
What is the Community Finance Fund?
The SIS Community Finance Fund is our core loan offering, designed to provide flexible, affordable finance to charities and social enterprises across Scotland.
With loan sizes ranging from £25,001 to £375,000, with the flexibility to consider smaller amounts, the fund includes both term loans and bridging loans, tailored to meet the diverse needs of organisations working to create positive social impact.
Established with the support of high-street banks 25 years ago, and still backed today by partners including Virgin Money UK, NatWest Group, Lloyds Bank, and most recently Ceniarth, the fund is a cornerstone of our mission to build a thriving social enterprise ecosystem.
The SIS Community Finance Fund goes beyond funding, providing potential support to organisations with expert advice, training, and peer networking - helping them build the skills and connections they need to grow sustainably.
Who is it for?
Charities and social enterprises based in Scotland with clear social impact at the heart of their mission.
Enterprises looking to scale, invest in assets, or improve financial resilience.
Teams ready to take on repayable finance and grow their operations.
The key benefits
Fixed-rate loans
Secured and unsecured loans are available to customers based on their financial situation and borrowing needs, with fixed interest rates providing clarity on regular repayments.
Flexibility
Loan funds can be used for a wide range of purposes, from business expansion, asset purchase, or to cover operational cashflow.
Speed of response
With no set timescales to meet and no need to come before our Investment Committee, funds can be released quickly.
No application forms
It starts with an informal conversation with one of our Investment Managers who will guide you through the process.
What can it be used for?
Loans from the SIS Community Finance Fund can be used for a wide range of purposes, including:
-
Working capital
to support day-to-day operations and keep your organisation running smoothly.
-
Bridging finance
to cover gaps in funding or delayed grant payments, ensuring stability during transitions.
-
Capital projects
to invest in property, equipment, or infrastructure that underpins long-term growth.
-
Growth
to expand production, services, or programmes and reach more people.
-
Investment readiness
to strengthen governance and organisational development, preparing your organisation for future opportunities.
Supported by our Community Finance partners
