An overview of what we are all about, how we work, what social investment is and how we could help your organisation or social business.

2. Who we are
• We are the largest Community Development Finance Institution in Scotland and
one of the largest in the UK, holding a pioneering role in social finance
• We are the largest not for profit provider of business loans to the third sector in
Scotland as well as a social enterprise and registered charity in our own right
• Our aim is to connect capital with communities by offering flexible loans that
are specifically tailored to the third sector organisations

3. Our Impact
• We support the creation and growth of charities, community organisations
and social enterprises with loans and other repayable investment.
• Over the last 10 years our loan funds have assisted almost 180
charities, community organisations and social enterprises across Scotland
providing investment totalling just under £43 million.
• We invest in third sector organisations that have the capability to make
sustainable social impacts, and therefore, SIS supports local job
creation, community engagement and economic development nationwide.

4. Our Products
All Purpose Loan
Repayable over a maximum of 10 years, our All Purpose Loan has a fixed interest rate and capital
payments so organisations know exactly what they are required to pay each month
Bridging Loan
Short term finance provided at short notice which is ideal for timing issues of approved grant monies
SIS/Triodos Property Loan
Working in partnership with Triodos Bank we provide term loans up to a maximum 10 years
SIS Community Renewables
Loan finance of up to £250,000 over a repayment period of up to 10 years
Social Investment is the provision of repayable finance to charities and other
social organisations. We offer business loans are flexible and tailored
specifically to the organisations’ needs.

5. Who is eligible
We invest in third sector organisations that have the capability to make
sustainable social impacts.
These must…
 be based and operate in Scotland
 operate within the Scottish Third Sector i.e. charities, community and
voluntary organisations, non-profits and social enterprises
 reinvest their profits for community benefit
 be allowed to borrow under their organisation‟s constitution

6. Application Process
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• A member of our investment team will work with the organisation to put
together the most suitable finance package.
• For this we ideally like to see a business plan, last three years annual
accounts, up to date management accounts and any cash flow
forecasts/projections.
• Don't worry if you don't have any of these at this stage or are looking for
finance for a new project as we can discuss this with you as things progress.
• You will be allocated an investment manager who will chat through your
plans in more detail
• If happy to proceed, they will take your investment proposal to our credit
panel for approval and provide you with full details of the terms and
conditions plus a legal facility documentation to be signed.
• Upon receipt of the signed facility letters along other required documents and
legal sign off, we will provide your loan by BACS transfer.

7. 1. All Purpose Loan
• Our most standard and flexible loan
• Repayable over a maximum of 10 years
• Fixed interest rate and capital payments
• Ideal for assisting with capital expenditure, revenue
funding, marketing, business development or working capital
• Loans range from £10,000 to £250,000 with no penalty for partial or full
early repayment

8. 2. Bridging Loan
Case Study: Scottish Emergency Rider Volunteer Service - ScotsERVS
“The SIS bridging loan provided us with the
financial sustainability and security we needed to
maintain our current level of services and facilitate
our further necessary investments in specialist
transport equipment. SIS's bridging facility
provided us with a lifeline, ensuring the financial
flexibility ScotsERVS need.”
Deirdre Kelly, Treasurer, ScotsERVS
Short term finance provided at short notice to cover timing issues for receipt of
approved grant monies to enable a project to proceed when the secured grant
funding is being paid in arrears.

9. One Stop Property Loan
• Triodos Bank and Social Investment
Scotland (SIS) work as a team to offer
third sector organisations the
opportunity to buy property
• Their One Stop Property Loan
provides the borrower with up to
100% of the value of a property or
purchase price, with Triodos Bank
offering up to 70% of the funding
required and SIS making up the
shortfall
“We started trading on the 4th June
2012 and the Centre is looking
fabulous inside and out. We now
have the space to create a
community for therapists, tutors and
students, to offer a new MSC course
in February next year and have
rented a room out to two
complimentary therapists. Our 2 year
Diploma and 1 year Certificate
courses starting in September are all
full, so a good start for the new
building.”
Vicki Woods, The Centre of
Therapy and Counselling Studies

10. Community Renewables
• Communities engaging in renewable
energy projects commonly struggle with
raising appropriate finance
• There are a number of social investors who
have a growing interest in this area.
• These funders can work collaboratively in
partnership to streamline the process –
meaning that one may only have to liase
with one funder, who operates on behalf of
the other funders once they have approved
their loan independently
In 2012 SIS assisted with the development of
five community renewable projects offering
loan finance of up to £250k over a repayment
period of up to 10 years.

11. Scottish Investment Fund
• The £28.8m revolving fund was provided by the Scottish
Government in 2008-2011
• Main aim: build capacity, capability and financial sustainability in the Third Sector to
support the overall national outcomes of the Scottish Government
• SIF provides mix of strategic investment and loan funding to organisations considered
'Investment Ready„
• Further £3m of investment capital was made available last year and successfully
allocated to seven innovative and pioneering models of social enterprise

12. Resilient: Start & Grow
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• SIS have recently been contracted by Resilient to undertake financial
review of all new applications to the Start & Grow fund
• Start & Grow is the first investment package offered by Resilient
• It is a loan package with an element of grant funding, to support the
development and growth of both new and existing organisations in 13 local
authorities across Scotland

13. Where we work - SIS
In the last ten years, SIS has supported over 107 organisations in 23
of Scotland‟s 32 local authorities with loans of more than £11 million.
Projects that have benefited from the
funding are worth in excess of £60 million
and tackle a range of social issues
including employment and
training, health, arts and culture, care and
the environment.

14. Sectors That Benefit
Employment
& Training
Community
Asset
Arts &
Culture
Other
Renewable energy
Recycling/
Waste
Social
Care
Sport
Transport
CDFI
Childcare
Legal
Food
Processing

15. Social Impact Report
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• In 2012 SIS commissioned FMR Research, an independent social
research consultancy, to measure SIS‟ social impact over the last 10
years
• The research team wrote a detailed Social Impact Report, launched in
autumn 2012 and helped design indocators to monitor this impact in the
future

16. Our Social Impact
We have identified four areas where SIS is making a significant impact
 Create a larger and more robust third sector in Scotland, in terms of the
number of organisations, jobs and volunteering opportunities they support
 Move towards a more financially sustainable model of working, with less
reliance on grant funding and greater income generation
 More managerially sound and well-governed third sector organisations
 A real difference to local communities: improving the quality of people‟s
lives, their environment and their life chances

17. SIS Lookout
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As part of our continued development, we have recently embarked on the roll
out of a new five year strategy, called “A Framework for Growth”.
This plan seeks to use our track record, experience and credibility as the
foundation of an ambitious strategy which has a number of headline priorities
to:
• Connect capital with communities
• Expand our funding programmes to meet changing needs
• Build on our capacity to achieve our objectives
• Expand our leadership role to support growth in our communities
• Expand and more effectively monitor, measure and communicate our social
impact.

18. SIS Customers
Abbeyview Bowling Club
Almond Valley Heritage Trust
Answer Project
Arrochar & Tarbet Community Development Trust
Assynt Foundation
Balornock Bowling Club
Bethany Christian Trust
Callander Youth Project
Central Action
Children 1st
Cluarankwai Judo Club
Co-Chomunn na Hearadh
Coffee Exchange
Common Knowledge UK
Community Food Initiative NE
Craigmillar Dev & Enterprise
CRISIS
Cue & Review Recording Service
CVSEA
Development Coll
DIA
Dunblane Kids Club
Eassie, Nevay & Kirkinch Community Association
EID Developments
Elm Court Education CIC
Esk Valley Model Engineering
Factory II
FARE
Fisherrow Trust
Fly Right Dance Company
Galgael Trust
Gigha Renewable Energy Ltd
Girvan Youth Trust
Glasgow Media Access Centre
Glasgow City Mission
Glencraft
Go Country Ltd
GRC
Greenlaw FC : Bridging Loan
Highland Opportunity
HOCL
Home Aid Caithness
Home Basics
IntLife Pain Management Ltd
Invertay Social Investment Fund
Kilmuir & Logie Easter Action
Kindom Ltd
Lomond Train & Environmental Services
MARC Contracts
Maritime Rescue Institute
Mid-Deeside
New Start Highland
Newlands Community Dev Trust
One Plus
Out of the Blue
Rainbow Crafts
Real Work Skills
Recycle Fife
Renaissance People
RequipIT
Re-Union Canal
Scottish Sculpture Workshop
Scottish Training Foundation
Seaton Community Enterprise
Senscot
Social Enterprise Clydebank
SoLVE
Speyside Trust
Spruce Carpets
Strathmore Christian Fellowship
Udny Community Wind
Unity Enterprise Ltd
Walls Public Hall
Wiston Lodge
Broxburn United
Coach House Trust
Critical Skills Scotland
Critical Skills Scotland (PTL)
DSL Social Enterprise Fund Ltd
LEEP Recycling Ltd
Renew Services Ltd
RequipIt Ltd : PTL
Shetland Spring Water
Travel2Give

19. Meet the Team

20. Contact Details
Social Investment Scotland
12 Broughton Place
Edinburgh
EH1 3RX
Phone +44 (0) 131 558 7706
Fax +44 (0) 131 558 8357
Email enquiries@socialinvestmentscotland.com
Web www.socialinvestmentscotland.com
Charity No. SC036875
Registered in Scotland SC223302