Charity Loans
If you have a vision, a charity loan could help make it a reality. We take a flexible and responsible approach to lending. Share your ideas, and we’ll help you choose what you can afford to borrow and how long you need to repay it.
Summary
We’ve supported Charities and Businesses for over 130 years and we prioritise business lending to organisations that deliver positive social impact, so you’ll be joining a group of like-minded people.
We will prioritise our business lending to those organisations in the UK that deliver positive social impact. We can provide competitively priced loans and commercial mortgages on terms up to 25 years.
We can lend for business expansion and working capital in the following sectors:
- Health and Social Care
- Social Housing
- Social Enterprises
- Education
- Faith Organisations; Churches, Religious Orders
- Charities
- Community, Arts, Heritage, Sports
- SME sectors
Please see the important information regarding Charity Loan support in the tab named “Economic challenges and our support”.
Contact Us
Charity Loans
- Term loans
- Lending from £500K to £3M
- Repayment term up to 25 years with 5 year commitment
- Typically up to a maximum of 65% loan to security value
Features
What we offer
- Term loans
- Lending from £500K to £3M
- Repayment term up to 25 years with 5 year commitment
- Typically up to a maximum of 65% loan to security value
- Tailored loan pricing on a case by case basis
- Simple application process and fast decisions
- Early indication of our appetite to lend
- Specialist not-for-profit sector experience
- Tailored solution to suit your Charity’s unique requirements
- You’ll have a named relationship manager to contact directly when you need to speak to someone. They’ll understand your organisation, and the challenges you face.
- Early indication of our appetite to lend
- Specialist not-for-profit sector experience
- Tailored loan pricing on a case by case basis
Economic challenges and our support
We’re here to support you during these economic challenges
If you are struggling with your charity commitments because of economic or inflationary pressures or interest rate rises we would encourage you to contact us at the earliest opportunity.
We are asking affected charity customers to contact the Commercial department via email on commercial@reliancebankltd.com and would ask you to provide us with a background as to your circumstances, together with the following:
• Business name and post code
• Best contact telephone number
• Some brief details on your specific circumstances
We will review each case to establish how best we can support you during these challenging times.
Remember we are here for you. We’ll continue to look at what we can do to support you.
Reliance Bank's base rate
Reliance Bank base rate currently 4.25% effective from 1st June 2025.
The changes outlined above will result in a reduction to the interest rate applicable to your charity loan. Your facility agreement sets out how your repayments will change.
The Sterling Base Rate of Reliance Bank is set by the bank from time to time taking account of the bank’s cost of funding. The rate does not automatically track the Bank of England Base Rate.
We are proud to be the bank of The Salvation Army International. Find out more about our shared history.
We are proud to be the bank of The Salvation Army International. Find out more about our shared history.