Savings & loan bank using deposits for loans to UK charities, social enterprises & charitable orgs. Est. 2002. £445.7m assets; 83 staff. 1,300+ loans issued, £500m+ cumulative. Recent: £70m loans 2024, £53.5m 2023. Notable: Magpas Air Ambulance £2.5m loan. 93% borrowers chose for understanding challenges; 82% for values alignment.
Investment Focus
Investment Thesis
Charity Bank is entirely owned by charitable foundations, trusts and social purpose organisations. Lends to charities, social enterprises and organisations tackling social and environmental issues. Focus: sub-£500k investments plus grants & unsecured loans; larger deals to £3.25m. Sectors incl. housing, community arts, air ambulance bases. Green lending & blended finance for energy efficiency. Avoids: non-UK orgs. 0.3% loan loss rate; secured on real property.
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