SCF Ltd focus is to assist communities (both place based and thematic) all across Scotland to be more viable and vibrant. We believe that by encouraging ordinary people to reinvest back into their communities, by pooling their available financial resources and lending it to community businesses and social enterprises, that communities will be more sustainable.

We do that by working with ‘community partners’ to issue Community Bonds that can be purchased by local individuals and organisations and using that money to establish a bespoke fund.  This fund to be used to meet the needs of the community.

In some cases the fund might provide a range of loans from micro and unsecured to bridging loans and patient capital at an affordable cost to social and community enterprises that provide goods and services to communities often where there is market failure. These services and products are essential for ensuring resilient and vibrant communities, but unfortunately these businesses are increasingly unable to obtain the finance they need from mainstream banks and other lending institutions.  

In other cases, the fund might be used for a very specific purpose that the community has identified e.g. for creating housing or for putting in place renewable energy alternatives.  Often these projects can enhance the life experiences of people who are part of the community, which in turn makes the community more vibrant and resilient.

Purchasing Community Bonds is about making an investment in your local community.  Becoming a Community Investor shows your support for your community and by doing so encourages regeneration, local job creation, vibrant local facilities and a diverse economy.