SCF Ltd was established in 2017 by the Scottish Community Re: Investment Trust (SCRT) which is a registered SCIO (Scottish Charitable Incorporated Organisation). Research carried out by SCRT in 2014 found that most small social and community enterprises struggle to find investment that is appropriate to their needs, in particular micro, unsecured and risk capital at an affordable cost.  These research findings have subsequently been consistently supported by other bodies undertaking similar research in the intervening period.

The importance of lending at this scale cannot be understated. It not only addresses financial necessity, but also assists  the attractiveness and resilience of communities across the country by ensuring that products and services are available to people in those communities.

The SCRT concept of ‘Community Reinvestment’ encourages communities to pool their financial resources for the mutual benefit of their communities.  It is about people acting mutually and supporting each other by allowing those people with money to invest some of it in a Community Bond which capitalises funds that can be used to meet the needs of those communities. 

SCF Ltd is the vehicle by which Community Reinvestment can be achieved thereby addressing the financial needs of communities across Scotland where the inability to access capital is impacting upon the resilience of those communities.