We lend to organisations that are owned and democratically controlled by their members, who are usually either employees, customers or members of a community.

We can arrange flexible loan packages to suit different situations. We believe that successful lending requires more than just sympathetic finance. We currently have over £4m of our own capital to lend and can offer:

  • Business loans with terms up to 10 years and beyond
  • Lending without personal guarantees required
  • Loans for employee buyouts or company successions
  • Loans for property or business purchase
  • Loans for capital equipment and working capital
  • Loans to replace inappropriate existing finance
  • To broker deals on larger financial packages


  • We invest in ventures that we believe are likely to be economically viable.
  • Each enterprise must be able to demonstrate the ability to pay interest and repay the capital on any agreed loan finance.
  • We require a detailed business plan with your loan application.
  • We only lend to incorporated bodies such as registered companies and community benefit societies.