Building a co-operative future.
Supportive loan finance to help people take control of their economic lives and create social benefit.
Co-operative & Community Finance has been a supportive lender and loan management specialist for over 50 years.
We exclusively serve the co-operative, democratic and community business sectors supporting hundreds of businesses, from small community-led enterprises to large award-winning organisations. Our rates are competitive and we don’t require personal guarantees.
Borrowing from us
We lend to organisations that are owned and democratically controlled by their members, who are usually either employees, customers or members of a community.
Loans from £10,000 to £75,000 are readily available, and we are able to lend up to £150,000 using other funds. We do not require personal guarantees. We manage a range of loan funds throughout the UK, and currently have around £4m available to lend. Our staff will be glad to advise on the availability of specific funds and the most suitable forms of finance for your business.
Our services
We’ve been successfully managing funds and making loans in a specialist market for over 50 years and we are the oldest community development finance institution (CDFI) in the UK.
Featured News
Open now: our share offer to help communities save the places they can’t afford to lose
We are delighted to announce that our ICOF Community Capital (ICC) 2026 share offer is open from today until the 31st May 2026 on the UK’s leading direct impact investing platform Ethex. As the Government works towards it’s pledge to double the size of the co-operative sector, communities are coming together to save the village […]
