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 Community Loan Fund.  This will 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.

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.