NATWEST SOCIAL & COMMUNITY CAPITAL

Registered charity 1079626 · accounts filings on the Charity Commission register · also known as NATWEST COMMUNITY FINANCE FUND - THE WEST MIDLANDS, RBS GROUP MICRO FINANCE FUNDS, RBS SOCIAL & COMMUNITY CAPITAL, ROYAL BANK OF SCOTLAND SOCIAL & COMMUNITY CAPITAL, ULSTER BANK SOCIAL & COMMUNITY CAPITAL

The charity aims to help local community groups through, for example, the provision of loans to Social Enterprises, charities, not-for-profit organisations & Responsible Finance providers. Our mission is to create positive change for vulnerable & disadvantaged groups across the United Kingdom through the provision of finance to viable social ventures that have been refused traditional bank lending

Objects

THE OBJECTS OF THE CHARITY ARE THE GENERAL PURPOSES OF SUCH CHARITABLE BODIES OR FOR SUCH OTHER PURPOSES AS THE TRUSTEES MAY FROM TIME TO TIME DECIDE WITH A PARTICULAR BUT NOT EXCLUSIVE FOCUS ON PROVIDING FLEXIBLE FINANCE AND SUPPORT WITH FUNDING APPLICATIONS. THROUGHOUT ENGLAND, SCOTLAND AND WALES AND SUCH OTHER COUNTRIES AS THE TRUSTEES MAY FROM TIME TO TIME DETERMINE AS SHALL EXCLUSIVELY CHARITABLE

Area of benefit: SHROPSHIRE, HEREFORD AND WORCESTER, WARWICKSHIRE, STAFFORDSHIRE AND THE UNITARY AUTHORITIES OF STOKE-ON-TRENT, WOLVERHAMPTON, WASALL, SANDWELL, DUDLEY, BIRMINGHAM, SOLIHULL.

The charity’s charitable objects and area of benefit, quoted from its governing document as held on the Charity Commission register.

Causes: Economic/community Development/employment · website · Get email alerts

Financial health, per its FY2024 accounts

The accounts state that the charity held unrestricted free reserves of £4,398,844 at year-end, which the trustees consider sufficient to ensure the ongoing availability of loan finance. With total assets of £12,977,114 and a net current asset position of £6,565,440, the charity reports a strong financial position capable of sustaining operations and supporting investees.

Automated summary of the FY2024 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Accounts audited by Godfrey Wilson Limited. Discloses 5 of 6 completeness components.

Policies the charity declares

In its annual return the charity told the Commission that it has the policies listed below. This is self-declared: it is not verified by the Commission or by this site, and it is not evidence of how a policy works in practice.

• Bullying and harassment policy and procedures
• Complaints handling
• Complaints policy and procedures
• Conflicting interests
• Financial reserves policy and procedures
• Internal charity financial controls policy and procedures
• Internal risk management policy and procedures
• Investing charity funds policy and procedures
• Investment
• Paying staff
• Risk management
• Safeguarding vulnerable beneficiaries
• Serious incident reporting policy and procedures
• Social media policy and procedures
• Trustee conflicts of interest policy and procedures
• Trustee expenses policy and procedures
• Volunteer management

Funders the charity credits

Named as funders/supporters on the charity’s own website (the charity’s claim, distinct from accounts-verified grants).

• NatWest — “Social & Community Capital is an independent charity backed by NatWest that provides flexible loans to social enterprises, charities and com…” (source page)

Public profiles (found on the charity’s own website): facebook

Structured financials (annual return, FY ending 31/12/2025)

Per its annual return, largest income source: Investments (39% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 8.8% of total income — above the median for charities its size (4.9%) (benchmarks).

Trustees · trustee networks

• Andrew Harrison
• Anshu Mandal
• Ash Mohammed
• Gabriel Ng
• JOHN DIXON
• Kirsty Lynn Anderson
• Sara Kate McConnell Turnbull
• Shelley Morrison

Trustee list from the Charity Commission register (current, not historical).

Operates in: Scotland

Income and spending

Common questions

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with ST ANDREW'S COMMUNITY NETWORK.

• ST ANDREW'S COMMUNITY NETWORK income £719k
• ONGO COMMUNITIES LIMITED income £1.9m
• COMMUNITY PEOPLE MID SUSSEX income £446k
• Caring for Communities and People income £13.0m
• SKIPTON BUILDING SOCIETY CHARITABLE FOUNDATION income £843k
• THE VIRGIN MONEY FOUNDATION income £3.3m

Side by side with its peers

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.