​The Community Builders Fund, managed by Social Investment Business (SIB), offers loans ranging from £100,000 to £1.5 million to UK charities and social enterprises based in England, Wales, and Scotland. The fund is supported by the Government's Growth Guarantee Scheme. ​

Eligibility:

To be eligible for a loan, organizations must:

• Be legally constituted and registered as a charity or social enterprise.​

• Be based in England, Wales, or Scotland.​

• Primarily aim to improve people's lives or the environment they live in.​

• Have been operating for at least two years.​

• Have a minimum turnover of £400,000 in the last financial year (or £200,000 if based in Scotland or Wales).​

• Not be subject to any insolvency proceedings (e.g., winding-up, administration, insolvency, bankruptcy). ​

Loan Details:

• Amount: £100,000 to £1.5 million.​

• Repayment Term: 1 to 6 years

• Interest Rate: 7.9% per annum fixed

• Arrangement Fee: 3% on loans under £500,000; 2.5% on loans of £500,000 or greater.

• Repayment Options: Optional capital repayment holiday of up to 12 months; no early pre-payment fees

• Security: May be required, depending on the loan assessment. ​

Organisations based in Wales and Scotland can apply for loans starting from £50,000.