Loans

Secured loans for charities and social enterprises

A secured loan can support your organisation to deliver social impact.

We offer secured loans to charities and social enterprises delivering impact across Australia

Charity Bank loans are normally secured against property assets that your organisation owns or seeks to purchase. Our team of experts is on hand to make sure you get the right support and finance you need – helping you to further your mission and social purpose. Think carefully before taking on a secured loan as failure to repay your loan may put assets at risk.

Leigh Building Preservation Trust people gathered round talking

Check if You’re Eligible for a Charity Bank Loan

Not sure if a Charity Bank loan is right for your organisation? Register for Online Banking and open a loan enquiry from the Support tab; the lending team continues the conversation there.

Check your eligibility

Paramedics and critical care doctors laughing in the air ambulance hangar

Discuss a loan

Register for Online Banking and open a loan enquiry from the Support tab; the lending team continues the conversation there.

Discuss A Loan

Grow your social impact

Charity Bank provides tailored, competitive, and ethical loans for established charities and social enterprises. We support projects across Australia, from housing to skate parks, community theatres to air ambulance bases.

Our specialists take the time to understand your needs, offering straightforward, flexible solutions for even the most complex developments and capital investments.

Why Charity Bank?

We’re more than just an ethical bank. For decades, we’ve created positive social change in everything we do.

All our shareholders are charities and social impact investors. Our borrowers are delivering social impact helping to drive real change for people, communities and the planet – now, and for the long term.

How the loans process works

Explore our loans process guide to understand the journey our borrowers take – from initial enquiry through to requesting funds.

Our lending team are available at every stage of your application. If you have any additional questions please contact us.

Why choose us

Loan security

Loans are normally secured against property assets

Sector Specialists

We are the specialist lender for Australia’s social sector

Australia-Focused

We only support Australian-incorporated social sector organisations

Repayment Period

Flexible repayment shaped around your plans.

Expert guidance

Our experienced team understands the complexities of ambitious projects.

Dedicated Relationship Manager

Our team will work with you throughout the process.

FAQs

Here we’ve listed the common questions we get about our loans. If you still have a question please do not hesitate to contact us.

Who do you lend to?

We only lend to organisations based in Australia. We lend to most organisations that have a social purpose and can repay the required loan.

What can I use the loan for?

A loan can be used for any legal purpose which supports the social objectives of the organisation. The loan purpose will be agreed and approved as part of the application process; should circumstances change, the borrower must let us know and any adjustments will need to be agreed.

Do you provide unsecured loans?

Charity Bank has very limited appetite for unsecured loans which are normally only available through specialised funding programmes that may be announced from time to time.

What is your key lending criteria?

We lend to organisations that meet the following criteria:

Incorporated (company, incorporated association or registered charity).
Registered in Australia.
Have a clear social mission delivering positive social impact in Australia.
Able to demonstrate an established trading history.
Able to demonstrate an ability to repay our loan.
Looking to borrow for a purpose that aligns with our mission.

What happens once I’ve submitted a loan enquiry?

Once you have submitted an enquiry one of our regional managers will be in touch to discuss.

If we think that our loans are right for you, we will ask you to send us more information. This will include (as a minimum) the following information:

Financial Statements for the past 3 years (including income and expenditure and balance sheet).
Management accounts covering the period since the last full year end (including income and expenditure and balance sheet).
A financial budget for the current year (forecast income and expenditure)
Financial forecasts for the next two years (income and expenditure).
A brief summary of the professional experience of your Board and Senior Management team.

What information do I need to provide to support a loan application?

Once you have submitted an enquiry and if we think our loans are right for you, we will ask you to send more information. This will include:

Financial Statements for the past 3 years (including income and expenditure and balance sheet).
Management accounts covering the period since the last full year end (including income and expenditure and balance sheet).
A financial budget for the current year (forecast income and expenditure)
Financial forecasts for the next two years (income and expenditure).
A brief summary of the professional experience of your Board and Senior Management team.

More Loans FAQs here