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# Responsible Finance

We are the voice of the responsible finance industry

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## Posts

- [News](https://responsiblefinance.org.uk/news/)
- [Funding CDFIs unlocks affordable lending, investment and financial inclusion: independent evaluation](https://responsiblefinance.org.uk/2026/10/funding-cdfis-unlocks-affordable-lending-investment-and-financial-inclusion-independent-evaluation/) - £600,000 programme enabled £7 million of affordable lending to 8,300 people, saving each an average of £1,200 in interest compared with high-cost alternatives. Women, lone parents, people on low incomes, social housing tenants, people living with a disability and benefit recipients who borrowed from community lenders (CDFIs) saved significant sums of interest according to an
- [Small businesses trapped in high-cost loan spiral: new research](https://responsiblefinance.org.uk/2026/09/small-businesses-trapped-in-high-cost-loan-spiral-new-research/) - New data reveals that UK small businesses are taking on multiple high-interest loans from online lenders offering rapid access to cash, when some of the firms could be saving an average of £10,000 per month in interest Many businesses have ‘stacked’ loans (multiple high-cost loans at once), raising questions about whether lenders are undertaking proper
- [A claw-some business idea thanks to Start Up Loan funding](https://responsiblefinance.org.uk/2026/09/a-claw-some-business-idea-thanks-to-start-up-loan-funding/) - Cornwall crab meat supplier Got Crabs has been able to purchase a special tank for its catch thanks to a Start Up Loan Funding by the British Business Bank.
- [Devon chef buys successful restaurant with CDFI funding](https://responsiblefinance.org.uk/2026/09/devon-chef-buys-successful-restaurant-with-cdfi-funding/) - Buying an already established restaurant is what many people dream of and for Paul, that’s exactly what he did thanks to a funding package by SWIG Finance.
- [Capacity building funding works: Responsible Finance learnings](https://responsiblefinance.org.uk/2026/07/capacity-building-funding-works-responsible-finance-learnings/) - Community Development Finance Institutions that lend to small businesses have scaled up over the past 18 months and doubled their lending. Investment through the British Business Bank and capacity building funding from JPMorganChase and others enabled this growth. It has started a transformation to make this high impact lending mainstream. Community Development Finance Institutions (CDFIs)
- [Government backs CDFIs and JPMorganChase and BNY make new commitments to community finance](https://responsiblefinance.org.uk/2026/07/government-backs-cdfis-and-jpmorganchase-and-bny-make-new-commitments-to-community-finance/) - Thousands of small businesses will benefit from reforms to small business finance announced by the Government and new commitments to the community finance sector by JPMorganChase and BNY. Expansions to the British Business Bank’s Growth Guarantee Scheme will support the scaling up of community lending through the Community ENABLE Funding programme (CEF). CEF is already
- [Scrap specialist expands offer with skip firm purchase backed by community lenders](https://responsiblefinance.org.uk/2026/07/scrap-specialist-expands-offer-with-skip-firm-purchase-backed-by-community-lenders/) - Total Metal Recovery acquired A-Z Skips with finance from community lenders, retaining jobs and expanding its waste services.
- [Evidence, accountability, action: Investing in Women Code signatories fund talent, ambition and potential](https://responsiblefinance.org.uk/2026/07/evidence-accountability-action-investing-in-women-code-signatories-fund-talent-ambition-and-potential/) - Community Development Finance Institutions "show what inclusive finance looks like” and, with other Investing in Women Code signatories, have built a movement which proves that transparency works and stimulates progress. The Investing in Women Code's sixth Annual Report, launched this week, shows backing female-led businesses is good for growth, and women entrepreneurs have received a
- [Start Up Loan helps launch Pasta Point in Leeds](https://responsiblefinance.org.uk/2026/07/start-up-loan-helps-launch-pasta-point-in-leeds/) - Pasta Point Leeds has opened at Kirkgate Market with support from a Start Up Loan delivered by Business Enterprise Fund (BEF)
- [From mechanic to business owner with a £184k loan](https://responsiblefinance.org.uk/2026/07/from-mechanic-to-business-owner-with-a-184k-loan/) - Discover how Dartmouth mechanic Chris Jones became a business owner with a £184,000 loan from SWIG Finance to buy and grow Jonesy's Garage.
- [Rethinking financial promotions: making borrowing clearer for the people who need it most](https://responsiblefinance.org.uk/2026/07/rethinking-financial-promotions-making-borrowing-clearer-for-the-people-who-need-it-most/) - Responsible Finance explains why clearer credit information can help consumers make better borrowing decisions and improve access to affordable credit.
- [Maple Review: CDFIs essential in breaking barriers to entrepreneurship](https://responsiblefinance.org.uk/2026/06/maple-review-cdfis-essential-in-breaking-barriers-to-entrepreneurship/) - The Maple Review report was launched this week at the House of Lords following widespread and extensive input, including from Responsible Finance and members. Co-chaired by Blair McDougall MP, Minister for Small Business, Grace Graham, Founder of WorkSpa, and Michelle Ovens CBE, Founder and CEO of Small Business Britain, the independent but Government-backed Maple Review
- [The King’s Speech, 13 May 2026: An opportunity to back community finance](https://responsiblefinance.org.uk/2026/05/the-kings-speech-13-may-2026-an-opportunity-to-back-community-finance/) - Today’s King’s Speech sets out the Government’s plans to control the cost of living and support British business as part of a “country fair for all”. This is a major opportunity to support individuals and businesses in need and drive economic growth that works for everyone. Responsible Finance highlights the role of Community Development Finance
- [King's Award for Salad's innovation in fair and affordable lending is industry first](https://responsiblefinance.org.uk/2026/05/kings-award-for-salads-innovation-in-fair-and-affordable-lending-is-industry-first/) - Responsible Finance Member Salad Finance Limited (Salad), which specialises in providing affordable credit to consumers who do not meet the criteria of mainstream lenders, was today announced a recipient of the King's Award for Enterprise for its outstanding achievement in innovation. The social purpose fintech, now the UK’s largest personal-lending community development finance institution (CDFI),
- [Dismantling the barriers: Why microlending is the 'on-ramp' for UK entrepreneurship](https://responsiblefinance.org.uk/2026/04/dismantling-the-barriers-why-microlending-is-the-on-ramp-for-uk-entrepreneurship/) - Entrepreneurship should be about the strength of an idea and the resilience of the founder. But for some entrepreneurs in the UK, the path to starting a business is blocked not by a lack of talent, but by factors like having been out of work for a long time, not having any savings, or having
- [Community Finance Taskforce brings banks, Government and CDFIs together to unlock extra £billion for SMEs](https://responsiblefinance.org.uk/2026/02/community-finance-taskforce-brings-banks-government-and-cdfis-together-to-unlock-extra-billion-for-smes/) - A new taskforce and Government-backed roadmap will develop partnerships between our members and banks, to make it easier for small businesses across the UK to access finance. The UK Community Finance Partnership Taskforce has a mission "to scale the community development finance institution (CDFI) sector through partnerships with banks, securing concrete commitments for growth.” This
- [Plucky underdogs and unsung heroes save the day](https://responsiblefinance.org.uk/2025/12/plucky-underdogs-and-unsung-heroes-save-the-day/) - Are your eardrums ready? Pantomime season is here and if you’re lucky enough to have a ticket, expect the volume to rise as “oh no it isn’t!” and “oh yes it is” echo around the theatre. Every panto needs its cast of characters: the unsung hero, the plucky underdog and a few twists. As the
- [From access to opportunity: Lessons from America’s CDFIs for a stronger UK](https://responsiblefinance.org.uk/2025/11/from-access-to-opportunity-lessons-from-americas-cdfis-for-a-stronger-uk/) - A transatlantic learning journey Four weeks on from our visit to Washington DC for the Opportunity Finance Network (OFN) Conference, the Responsible Finance team, and the CDFI members who joined us, are buzzing with ideas. With support from our partners JPMorganChase and Lloyds Banking Group, we joined U.S. CDFIs to see how they are tackling
- [Powering-up small businesses to unleash economic growth with JPMorganChase and First Enterprise (new podcast)](https://responsiblefinance.org.uk/2025/11/powering-up-small-businesses-to-unleash-economic-growth-with-jpmorganchase-and-first-enterprise/) - Colleen Ebbitt from JPMorganChase and Danielle Davis from First Enterprise join us today for a fascinating chat about listening to and supporting under-served businesses so they can thrive. How? Well, Colleen covers JPMorganChase's small business philanthropy, which supports small business owners on their journeys to growth. A £4m initiative supported by JPMorganChase is strengthening community
- [Championing SME Growth: Lloyds Bank CDFI Referrals Pilot](https://responsiblefinance.org.uk/2025/10/championing-sme-growth-lloyds-bank-cdfi-referrals-pilot/) - Responsible Finance and Lloyds Bank are piloting an exciting referral initiative designed to enable more businesses to find and access the finance that suits them. Jo Clough, Social Sustainability Director, Lloyds Bank Business and Commercial Banking tells us more in this guest post. After 23 years in banking, supporting small and medium-sized enterprises through every
- [Why an evidence-backed policy to double affordable credit provision must be part of the Government’s Financial Inclusion Strategy](https://responsiblefinance.org.uk/2025/10/why-an-evidence-backed-policy-to-double-affordable-credit-provision-must-be-part-of-the-governments-financial-inclusion-strategy/) - “In the past I’d had loans, people knocking on my door saying ‘you owe me money.’ That should be left behind. A responsible lender should look at the person you are now. If you’re working and you can pay for it, why would a company not give you a chance?” This quote comes from Gary.
- [The Times: small businesses turning to CDFIs to refinance alternative lenders' expensive loans](https://responsiblefinance.org.uk/2025/10/the-times-small-businesses-turning-to-cdfis-to-refinance-alternative-lenders-expensive-loans/) - 17 October 2025: Jess Jones' new article in The Times newspaper covers the growing trend of businesses with expensive, short-term loans approaching community development finance institutions, our members, to refinance them on better terms. The piece quotes Responsible Finance CEO, Theodora Hadjimichael, plus Danielle Davis, deputy director at First Enterprise and Steve Waud, CEO of
- [The Scotsman: ethical lender SIS is creating meaningful change](https://responsiblefinance.org.uk/2025/10/the-scotsman-ethical-lender-sis-is-creating-meaningful-change/) - 14 October 2025: Social Investment Scotland has impacted the lives of millions and is covered in a new article in The Scotsman to mark the publication of a new impact report. The Scotsman's piece describes SIS' lending to social enterprises, charities, community groups and purpose or mission driven businesses across the UK and includes a
- [The Times: businesses face postcode lottery accessing finance, but CDFIs play key role](https://responsiblefinance.org.uk/2025/10/the-times-businesses-face-postcode-lottery-accessing-finance-but-cdfis-play-key-role/) - 07.10.2025 Today's Times newspaper covers the British Business Bank's Nations and Regions Tracker 2025, which gives an analysis of geographic patterns in UK small business finance. The Times' article covers the Tracker's findings that businesses' location affects their ability to borrow money; businesses in poorer areas are more likely to be discouraged; and some of
- [The high-cost loan scandal no one is talking about](https://responsiblefinance.org.uk/2025/09/the-high-cost-loan-scandal-no-one-is-talking-about-2/) - “The only gig in town came with 60% interest, because we were considered subprime lending. It meant that every payment of £15,000 included £9,000 interest.” When it comes to high-cost credit, most of us think of personal borrowing and payday loans. But the quote above comes from a business owner. More than a decade after
- [BNPL has its place. But regulation must not give it a competitive advantage over social purpose lenders.](https://responsiblefinance.org.uk/2025/08/bnpl-has-its-place-but-regulation-must-not-give-it-a-competitive-advantage-over-social-purpose-lenders/) - Simon Dukes, CEO of CDFI Fair for You and the Fair Credit Charity, shares his views on the FCA's latest Buy Now Pay Later announcement. The headline proposal in the FCA's consultation on Buy Now Pay Later - that BNPLs really ought to check whether customers can afford to repay before offering a loan -
- [Better and cheaper than expensive loans or illegal money lenders, what are community lenders?](https://responsiblefinance.org.uk/2023/10/better-and-cheaper-than-expensive-loans-or-illegal-money-lenders-what-are-community-lenders/) - When the unexpected happens and we need a little bit to tide us over, community lenders put your wellbeing first. Getting a loan isn’t always easy – especially if it’s only for a small amount, or if our credit score isn’t great – but community lenders, also known as Community Development Finance Institutions or CDFIs,
- [First of its kind credit decline referral partnership will support up to 100,000 financially underserved people](https://responsiblefinance.org.uk/2025/07/first-of-its-kind-credit-decline-referral-partnership-will-support-up-to-100000-financially-underserved-people/) - 8 July 2025: Following a successful pilot, Responsible Finance member Fair Finance and Vanquis have launched a first of its kind decline referral partnership which will support up to 100,000 financially underserved people with benefit checks and affordable credit over the next two years – underpinned by a £3m lending facility from Vanquis. The scheme
- [Infographic: how CDFIs build thriving places, stronger economies and transform lives](https://responsiblefinance.org.uk/2025/06/cdfis-build-thriving-places-stronger-economies-and-transform-lives/) - CDFIs: • grow thousands of jobs and businesses across the UK • build financial resilience by helping households save money • enable social enterprises to maximise impact • boost productivity and enrich communities by supporting people into work Our infographic shows how. Download the infographic (pdf):
- [Flexible finance for social enterprises, designed and delivered by social enterprises](https://responsiblefinance.org.uk/2025/05/flexible-finance-social-enterprise/) - Many social enterprises, co-operatives, trusts and trading charities want to grow but can’t access finance. • There are fewer financial products tailored to their needs • They are misperceived as riskier to invest in than other businesses • They are often led by underserved people who face higher barriers to securing funding Responsible Finance’s members
- [CDFIs: A green light to financial inclusion](https://responsiblefinance.org.uk/2025/05/cdfis-a-green-light-to-financial-inclusion/) - Millions of us can’t get fair credit when we need it. We may have no credit history or a low credit score. When there’s an emergency or large expense, where can we go? Friends and family – not an option for millions A credit union – wonderful, but lots of us don’t have savings or
- [Fuelling potential: How microlenders transform lives and local economies](https://responsiblefinance.org.uk/2025/05/fuelling-potential-how-microlenders-transform-lives-and-local-economies/) - Many people who want to work, become self-employed or start a business struggle to get finance and support, especially if they: have been unemployed or ill are migrants or refugees with the right to work have been or are vulnerable are former prisoners Six specialist CDFIs provide mentoring, grants, and no-and low-interest small loans to
- [Consumer CDFI Salad scoops LendTech of the Year in UK FinTech Awards](https://responsiblefinance.org.uk/2025/04/consumer-cdfi-salad-scoops-lendtech-of-the-year-in-uk-fintech-awards/) - Responsible Finance member Salad has been named LendTech of the Year in the UK FinTech Awards, scooping the accolade in a category featuring strong finalists including NatWest, Pockit and ThinCats. Salad is a social enterprise which uses Open Banking and its own human- and machine-learning technology to make lending decisions. The UK FinTech Awards were
- [The Consumer Duty one year on](https://responsiblefinance.org.uk/2025/04/the-consumer-duty-one-year-on/) - The Financial Conduct Authority’s (FCA) Consumer Duty was a fundamental shift in regulation when it came into force in 2023. The Duty requires firms to put their customers’ needs first and drive meaningful change. It is like the financial services industry opening a window to let in fresh air. Under the Duty firms must make
- [Small Business Finance Champions](https://responsiblefinance.org.uk/2025/01/small-business-finance-champions/) - Hundreds of thousands of great businesses want to grow every year. But lots of strong businesses don’t meet banks’ and other lenders’ criteria. Community development finance institutions (CDFIs) have backed UK businesses for more than 20 years. Our infographic explains what CDFIs do, how businesses discover CDFIs – often, because banks and brokers tell them
- [Michael Sheen's fight for fair credit](https://responsiblefinance.org.uk/2025/03/michael-sheens-fight-for-fair-credit/) - Michael Sheen has got skin in the game. The actor and activist has long been interested in fair credit – he launched the End High-Cost Credit Alliance at Responsible Finance’s 2019 conference. In his new documentary about the UK’s broken consumer credit market and how we can scale up better borrowing, for which he was
- [Informing the Development of the National Financial Inclusion Strategy](https://responsiblefinance.org.uk/2025/02/informing-the-development-of-the-national-financial-inclusion-strategy/) - Responsible Finance board member Tim Rooney is part of a new sub-committee examining how to improve access to affordable credit as part of the Government’s commitment to develop a Financial Inclusion Strategy. Rooney, CEO of our member Salad Money, attended the first meeting of the new “Access to Credit Sub-Committee” this month. It is chaired
- [Patricia Hamzahee OBE Joins Responsible Finance Board](https://responsiblefinance.org.uk/2025/01/patricia-hamzahee-obe-joins-responsible-finance-board/) - 13 January 2025: Patricia Hamzahee OBE, an advisor, investor, philanthropist and specialist in access to funding for diverse businesses and social enterprises, has joined the board of Responsible Finance as the organisation prepares to boost flows of finance to underserved firms and people. Patricia has been praised throughout her career for her ability to make
- [Interview: Kate Pender, Fair4All on big solutions to big challenges in financial inclusion](https://responsiblefinance.org.uk/2025/01/interview-kate-pender/) - Kate Pender is CEO of Fair4All Finance, an organisation launched to improve the financial services sector so it better serves people who are underserved and excluded. She was appointed chief executive in 2024 having worked with Fair4All since its inception in 2019: "I drank the Kool-Aid and got hooked on the work." In this new
- [Michael Sheen joins calls for a Fair Banking Act to tackle credit crisis affecting people and businesses](https://responsiblefinance.org.uk/2024/10/michael-sheen-joins-calls-for-a-fair-banking-act-to-tackle-credit-crisis-affecting-people-and-businesses/) - 23 October 2024: Actor and debt campaigner Michael Sheen has joined calls for the government to pass legislation to help tackle the crisis of unaffordable credit and problem debt in the UK. In 2022-2023, more than 9 million were declined for credit, with millions relying on pay-day-lenders and buy-now-pay-later schemes with high interest rates. At
- [Podcast: Financing social enterprises and the local multiplier effect with Resonance and Raised In](https://responsiblefinance.org.uk/2023/11/podcast-financing-social-enterprises-and-the-local-multiplier-effect-with-resonance-and-raised-in/) - Katalin Juhasz and Ollie Pollard join us today to show how impact alignment between investors and social enterprises makes a difference to communities and businesses – plus what traditional city institutions can learn from social investors. Ollie is Head of Enterprise Growth Funds at Resonance, founded in 2002 with the mission to connect capital to
- [FUNDED: Brilliant Entrepreneurs and Founders – new podcast](https://responsiblefinance.org.uk/2024/12/funded-brilliant-entrepreneurs-and-founders-new-podcast/) - Wonderful local businesses and social enterprises are the vital spark in their communities. They’re the heart of their villages, towns and cities – innovating, building potential, employing people, creating opportunities. A new podcast by our member, the Business Enterprise Fund (BEF) features inspiration, practical insights and tips from some of the businesses and social enterprises
- [Dragons, Labradors and a New Era for Community Finance](https://responsiblefinance.org.uk/2024/12/dragons-labradors-and-a-new-era-for-community-finance/) - Every day, staff in CDFIs across the UK meet to tackle the question: "How can we enable people, businesses, and social enterprises who are beyond the reach of mainstream banks to thrive?". Two weeks ago, we brought the sector together to do this collectively at Responsible Finance’s annual Member Day. On November 27th, over 130
- [Double boost for small business finance: £150m and £4m initiatives will drive inclusive growth across UK](https://responsiblefinance.org.uk/2024/11/double-boost-for-small-business-finance-150m-and-4m-initiatives-will-drive-inclusive-growth-across-uk/) - 27 November 2024: £150m and £4m initiatives will drive inclusive growth across UK, unlocking finance for underserved small businesses through community development finance institutions Double boost for small business finance: pivotal programmes to empower small businesses supported by JPMorganChase The finance gap faced by ambitious and fundable small businesses in the UK is set to
- [New backing for CDFIs will enable more businesses to grow](https://responsiblefinance.org.uk/2024/11/new-backing-for-cdfis-will-enable-more-businesses-to-grow/) - Capability and capacity building programme announced, backed by Lloyds and the Department for Culture, Media and Sport (DCMS) MP visits Yorkshire entrepreneurs growing businesses with CDFI funding 14 November 2024: More businesses will be able to access the finance they need to grow thanks to a new programme to bolster our members, the UK’s community
- [Lloyds Banking Group MD joins Responsible Finance board to help build more partnerships between major banks and community lenders](https://responsiblefinance.org.uk/2024/11/lloyds-banking-group-md-joins-responsible-finance-board-to-help-build-more-partnerships-between-major-banks-and-community-lenders/) - Responsible Finance, which represents the UK's £287m community development finance institution sector, has appointed Chris Sood-Nicholls of Lloyds Banking Group to our board as a non-executive director. Sood-Nicholls is Managing Director, Regional Development at Lloyds Banking Group and set up the bank’s regional development programme. A long-term advocate for impact lending and financial inclusion, he
- [The Role of First Loss Funding in Financial Inclusion and Economic Growth](https://responsiblefinance.org.uk/2024/10/the-role-of-first-loss-funding-in-financial-inclusion-and-economic-growth/) - Last October, Responsible Finance launched a pilot to explore first-loss funding’s potential to crowd-in private investment to personal lending CDFIs to help them scale their lending and support financial inclusion. We are monitoring the work closely to develop an economic case for long-term Government investment. Through the pilot, three CDFIs – Salad Money, Fair
- [“If the challenge is growth, investment is the solution.”](https://responsiblefinance.org.uk/2024/09/if-the-challenge-is-growth-investment-is-the-solution/) - CDFIs want to work with the Government to enable this. The Chancellor of the Exchequer has vowed to lead the most pro-growth Treasury in our country’s history. She has rightly recognised that this means working with business and making sure families have more money in their pockets. We urge her to back Community Development Finance
- [Fair Banking Act could unlock more than £3bn of affordable credit for people and businesses across UK](https://responsiblefinance.org.uk/2024/09/fair-banking-act-could-unlock-more-than-3bn-of-affordable-credit-for-people-and-businesses-across-uk/) - 12 September 2024: Government can unlock billions in affordable credit for UK businesses and people on low-incomes New analysis shows that the government could unlock more than £3bn of affordable credit for people and businesses across the UK by passing a Fair Banking Act. A Fair Banking Act – modelled on a successful precedent from
- [Podcast: NatWest Group and CDFIs with Brian Holland and Stuart Foster](https://responsiblefinance.org.uk/2024/05/podcast-natwest-group-and-cdfis-with-brian-holland-and-stuart-foster/) - Why did NatWest Group choose to work with community development finance institutions (CDFIs) as part of its cost-of-living support package? What can be done to signpost CDFIs to bank customers who are financially vulnerable? How do bank-to-CDFI referral processes work for businesses and social enterprises? And why are CDFIs such a "terrific part of the
- [Record year of community development finance to people and enterprises across UK](https://responsiblefinance.org.uk/2024/05/record-year-of-community-development-finance-to-people-and-enterprises-across-uk/) - 20th May 2024: New figures reveal 14% jump to £287m lent to under-served businesses, social enterprises and households in 2023, creating 6,571 jobs and 3,829 enterprises and saving people £29m in interest. The UK’s not-for-profit, ‘community development’ lenders lent £287m to customers who would otherwise have been excluded from affordable finance in 2023, a 14% increase
- [22% rise in people and businesses turning to 'social purpose' lenders as cost-of-living pressures bite for households and small firms](https://responsiblefinance.org.uk/2023/05/22-rise-in-people-and-businesses-turning-to-social-purpose-lenders-as-cost-of-living-pressures-bite-for-households-and-small-firms/) - 17 May 2023: The number of people, businesses and social enterprises borrowing from the UK’s not-for-profit, ‘community development’ lenders has leaped by 22% to nearly 95,000 in 2022. New figures from Responsible Finance, which represents community development finance institutions (CDFIs), reveal their total lending increased by 20% to £248m in 2022, reaching 94,744 customers who
- [New £62m fund for small business lending is backed by Lloyds Bank in milestone for CDFI sector](https://responsiblefinance.org.uk/2024/03/new-62m-fund-for-small-business-lending-is-backed-by-lloyds-bank-in-milestone-for-cdfi-sector/) - 4th March 2024: Lloyds Bank is the lead investor in the new, £62m Community Investment Enterprise Fund (CIEF), launched to help small businesses across England and Wales access finance to support local jobs and economic activity. CIEF phase two will invest into three Community Development Finance Institutions (CDFIs), our members BCRS Business Loans, Business Enterprise Fund and
- [Seven proposals to boost SME finance sent to Treasury Select Committee](https://responsiblefinance.org.uk/2023/09/seven-proposals-to-boost-sme-finance-sent-to-treasury-select-committee/) - Responsible Finance has set out seven proposals to boost the availability of finance for fundable but under-served small businesses and break down barriers to economic growth. Our submission to the Treasury Select Committee’s Inquiry on SME Finance, which sets out the proposals, includes analysis of the scale of the finance gap, drawing on data from
- [Podcast: Proving the impact of air quality interventions and low emission zones with data detective Kate Barnard](https://responsiblefinance.org.uk/2023/09/podcast-proving-the-impact-of-air-quality-interventions-and-low-emission-zones-with-data-detective-kate-barnard/) - Low emission zones (LEZs and ULEZs) became a political battleground just after recording this new interview with Kate Barnard, founder and CEO of Enjoy The Air. But what does the public think? Can we prove the impact of "hard or soft" interventions on air quality? And just how far are people prepared to go when
- [Tender for an Evaluation of First Loss Funding to CDFIs](https://responsiblefinance.org.uk/2023/10/tender-for-an-evaluation-of-first-loss-funding-to-cdfis/) - 23 October 2023: Responsible Finance has received funding from City Bridge Foundation to pilot a London-based risk cover or "first loss" fund pilot with three consumer-lending community development finance institutions (CDFIs). Three participating CDFIs (Fair Finance, Fair for You, Salad Money) will each receive a "first loss" grant allocation and use it to secure further
- [More Londoners to avoid high-cost lenders thanks to support for community lenders](https://responsiblefinance.org.uk/2023/10/more-londoners-to-avoid-high-cost-lenders-thanks-to-support-for-community-lenders/) - 16 October 2023: More than 10,000 Londoners will be able to avoid high-cost credit or illegal lenders, and save hundreds of pounds in interest on vital small loans, thanks to new funding from City Bridge Foundation. London's largest independent charitable funder, City Bridge Foundation has worked with Responsible Finance to provide £600,000 of ‘first loss’
- [Fair banking, good credit and collaboration: Niall Alexander, Fair4All Finance](https://responsiblefinance.org.uk/2023/08/fair-banking-good-credit-and-collaboration-niall-alexander-fair4all-finance/) - An agreement brokered by a disadvantaged community with a mainstream bank two decades ago offers valuable insights to address financial exclusion today. Niall Alexander, a community worker "by trade" says the "groundswell" in addressing unfairness and financial exclusion is now reaching a peak. People "aren't asking for gold plated taps" – they need very small
- [Niall Alexander, Fair4All Finance: "As one door closes…"](https://responsiblefinance.org.uk/2023/06/niall-alexander-fair4all-finance-as-one-door-closes/) - 30 June 2023: Niall Alexander, Markets and Consumer Insights Manager, Fair4All Finance, on shocking research findings, a new report, and why it's critical to expand community finance and for policy makers and mainstream banks to accept we must address the 'credit vacuum'. At Fair4All Finance our task, in part, is to increase the availability of
- [Peter Udale appointed Chair of Responsible Finance](https://responsiblefinance.org.uk/2023/07/peter-udale-appointed-chair-of-responsible-finance/) - "Jewels in UK financial sector with astonishing impact on businesses and individual lives have potential to do even more." Responsible Finance thanks Charles Dodwell for serving as Chair for four years and welcomes Peter Udale to the role. Peter has been a director of Responsible Finance since 2020 and has been elected to the role
- [More than 3 million may have borrowed from illegal moneylenders – new report urges boost to community lending sector](https://responsiblefinance.org.uk/2023/06/more-than-3-million-have-borrowed-from-illegal-moneylender-new-report/) - 28 June 2023: Over 3 million people in Great Britain may have borrowed from an illegal moneylender in the last three years according to new research by IPSOS for Fair4All Finance. Results from a new online survey amongst a representative quota sample of GB adults aged 18-75 found 7% said that to the best of
- [Pushing the boundaries of impact measurement for CDFIs: Moving from effective to compelling, by Heidi Fisher MBE](https://responsiblefinance.org.uk/2023/04/pushing-the-boundaries-of-impact-measurement-for-cdfis-moving-from-effective-to-compelling-by-heidi-fisher-mbe/) - Community Development Financial Institutions (CDFIs) are organisations that provide affordable lending to individuals, businesses and social enterprises that are typically underserved by traditional banks and financial institutions. CDFIs usually have a mission to support community development and economic growth through lending, investing, and other financial services. How do CDFIs tell their impact story CDFIs produce
- [UK public think credit scores unfair, as organisations call for reform of credit information market](https://responsiblefinance.org.uk/2023/04/uk-public-think-credit-scores-unfair-as-organisations-call-for-reform-of-credit-information-market/) - 27.04.2023: Seven out of ten (70%) of UK adults believe it’s unfair for someone’s postcode or location to have a negative impact on a credit score, new research reveals today. More than half (55%) of adults think it’s unfair that not having an existing credit history has a negative impact on a credit score. The
- [Doggie dream come true is business success story for Caz Burness](https://responsiblefinance.org.uk/2023/03/doggie-dream-come-true-is-business-success-story-for-caz-burness/) - Caz and Darron Burness already had a thriving business – doggy day care, pet-sitting, home boarding and other services – when they spotted an opportunity to purchase a kennels premises. It was the perfect fit. But how to finance the acquisition? A £100,000 loan from BCRS Business Loans unlocked their ambition and growth plans, safeguarded
- [How to accelerate impact investing with Sarah Gordon – new podcast](https://responsiblefinance.org.uk/2023/03/how-to-accelerate-impact-investing-with-sarah-gordon-new-podcast/) - Impact investing has moved into the mainstream. Many asset owners and managers are trying to deliver more positive social and environmental impact as well as a financial return. Yet just a few years ago many institutions were dismissive or sceptical. How did this change? "It's not about telling people what they should do, it's demonstrating
- [Coalition calls for Fair Banking Act, which public would back](https://responsiblefinance.org.uk/2023/03/coalition-calls-for-fair-banking-act-which-public-would-back/) - 27 March 2023: A large majority of the UK public would back a proposed ‘Fair Banking Act,’ according to findings from a new poll by Opinium Research for the Fair Banking for All coalition. The coalition includes Responsible Finance, organisations working to tackle financial exclusion, campaigners and academics. Its new policy paper ‘Fair Banking for
- [Responsible Finance and NatWest Hardship Grants](https://responsiblefinance.org.uk/2023/03/responsible-finance-and-natwest-hardship-grants/) - 21 March 2023: Six Community Development Finance Institutions (CDFIs) have received funding through the Responsible Finance and NatWest Hardship Grants programme. Our members Adage Credit, Conduit Loans (part of Five Lamps), Fair Finance, Lancashire Community Finance, Moneyline and Salad Money will use the funding to provide small grants to people who have applied for credit
- [Community Investment Tax Relief expansion will help close finance gap](https://responsiblefinance.org.uk/2023/03/community-investment-tax-relief-expansion-will-help-close-finance-gap/) - 15 March 2023: In today's Budget the Government has announced an expansion in Community Investment Tax Relief, a targeted intervention which increases access to finance for SMEs, social enterprises and charities by stimulating private investment in disadvantaged communities. The announcement follows the Budget Representation we made to HM Treasury in February 2023, which called for
- [CDFIs instrumental in Dormant Assets delivery, Responsible Finance welcomes consultation response](https://responsiblefinance.org.uk/2023/03/cdfis-instrumental-in-dormant-assets-delivery-responsible-finance-welcomes-consultation-response/) - 7th March 2023: today the government announced social investment and financial inclusion will continue to be supported by money from dormant accounts when the scheme expands to include assets from additional industries. This is good news for people, places and enterprises, and for CDFIs which are instrumental in getting flexible and fair investment into communities.
- [Block Inc and Unity Trust Bank investment in ART breaks new ground](https://responsiblefinance.org.uk/2023/03/block-inc-and-unity-trust-bank-investment-in-art-breaks-new-ground/) - 2 March 2023: Global technology company Block Inc and ethical lender Unity Trust Bank break new ground in impact and place-based investing in the UK with £4m investment into ART Business Loans (ART), one of the UK’s first Community Development Finance Institutions. Block Inc, the technology company co-founded by former Twitter CEO Jack Dorsey, is
- [NatWest backs community development finance institutions with £900,000 Cost of Living support](https://responsiblefinance.org.uk/2023/01/natwest-backs-community-development-finance-institutions-with-900000-cost-of-living-support/) - 11 January 2023: £900,000 to help Responsible Finance and its not-for-profit members serve more financially vulnerable or excluded households • Package is part of NatWest's new £5.7m hardship funding to provide cost of living support through partner organisations Trussell Trust, the debt advice sector, Federation of Small Businesses and Responsible Finance • Not-for-profit community development
- [£40m 'landmark deal' will help more key workers avoid high-cost lenders](https://responsiblefinance.org.uk/2023/02/40m-landmark-deal-will-help-more-key-workers-avoid-high-cost-lenders/) - Responsible Finance member Salad Money agrees package with US funder in landmark deal for UK community finance sector Social enterprise Salad Money will serve rocketing demand for affordable credit from NHS and public sector workers thanks to a new senior debt facility of up to £40m with a US-based credit fund. The committed facility means more key
- [The Financial Times: CDFIs play a vital role in supporting consumers, not only with credit](https://responsiblefinance.org.uk/2022/12/the-financial-times-cdfis-play-a-vital-role-in-supporting-consumers-not-only-with-credit/) - 19 December 2022: Financial Times banking and fintech correspondent Siddharth (Sid) Venkataramakrishnan's latest piece (published in the FT Future of Money newsletter and online) says: "The not-for-profit world of CDFIs does not have the same rock star glam as consumer fintechs valued into the billions of dollars. But they play a vital role in supporting
- [2022 Member Day – Workshops and Speakers](https://responsiblefinance.org.uk/2022/11/2022-member-day-workshops-speakers/) - Our 2022 Member Day is for everyone working in community development finance to learn, share best practice, and find new ways to boost access to finance for people, businesses and social enterprises. It has been designed based on members' needs and requests and includes practical workshops and peer-to-peer support to learn from and with others
- [Energy, commitment, impact and opportunity – Member Day 2022 Report](https://responsiblefinance.org.uk/2022/12/energy-commitment-impact-and-opportunity-member-day-2022-report/) - Our members' work has never been more needed by people, businesses and social enterprises, so we were delighted with the turn-out and content of our 2022 Member Day in Bristol. More than 100 CDFI leaders and their staff and board members met to learn, share best practice, and find new ways to boost access to
- [Massive Social Impact, Open Banking and Machine Learning with Tim Rooney, Salad Money](https://responsiblefinance.org.uk/2022/12/massive-social-impact-open-banking-and-machine-learning-with-tim-rooney-salad-money/) - Are you ready for some big numbers? How about £165 million? Just one of the staggering figures revealed in Salad Money's new and first ever impact report. In this new podcast interview Salad CEO Tim Rooney tells us how the social enterprise, a Responsible Finance member which lends to NHS and Public Sector workers, has
- [Salad Money and Fair4All Finance agree £2m package to grow alternatives to high cost lending for NHS and public sector workers](https://responsiblefinance.org.uk/2022/11/salad-money-and-fair4all-finance-agree-2m-package-to-grow-alternatives-to-high-cost-lending-for-nhs-and-public-sector-workers/) - Salad Money, a social enterprise and Responsible Finance member, has agreed a new £2m facility with not-for-profit financial inclusion organisation Fair4All Finance. The deal will help meet increasing demand from NHS and public sector workers who might otherwise turn to unaffordable payday loans or even loan sharks.
- [From discrimination and repossession to entrepreneurial inspiration with Jules Hawkins](https://responsiblefinance.org.uk/2022/11/from-discrimination-and-repossession-to-entrepreneurial-inspiration-with-jules-hawkins/) - This is both an extraordinary and, sadly, an every day tale. All over the UK people with children or caring responsibilities compete for shifts or work patterns which fit around them, face the 'poverty premium' or are locked out from opportunities. "I was dismissed on so many levels," says Jules Hawkins in this new podcast
- [Yorkshire’s transition to net zero has roots in one CDFI Loan](https://responsiblefinance.org.uk/2022/11/yorkshires-transition-to-net-zero-has-roots-in-one-cdfi-loan/) - When Yorkshire-based CDFI Business Enterprise Fund (BEF) made a start-up loan in 2019 to SeaGrown, a small business devoted to harvesting seaweed, it saw its potential in a way that an online, algorithm driven lender would have struggled to. Now in 2022, as a testament to CDFIs’ knack for talent spotting, SeaGrown has been featured
- [Allegro Optical – Growth, Finance, Customer Service and a Masterclass in Business Development](https://responsiblefinance.org.uk/2022/10/allegro-optical-growth-finance-customer-service-and-a-masterclass-in-business-development/) - Stephen Tighe and Sheryl Doe founded Allegro Optical to address specific issues which affect the eyesight of musicians and performing artists. The business now has customers from all over the world, has won multiple business awards, has a trusted high street presence with three branches, and has grown from two to more than twenty employees.
- [Fair Finance and Fair4All Finance agree £3.3m social investment deal to tackle financial exclusion across the UK](https://responsiblefinance.org.uk/2022/09/fair-finance-and-fair4all-finance-agree-3-3m-social-investment-deal-to-tackle-financial-exclusion-across-the-uk/) - Responsible Finance member, Fair Finance and Fair4All Finance have agreed a package of social investment to increase the supply of affordable credit across the UK and help tackle financial exclusion.
- [Better Air Quality through Behaviour Change with Kate Barnard](https://responsiblefinance.org.uk/2022/09/better-air-quality-through-behaviour-change-with-kate-barnard/) - Air pollution contributes to around 40,000 deaths a year in the UK and more in many other parts of the world. Enjoy The Air helps cities achieve air quality standards through policy, infrastucture and behaviour change. CEO and founder Kate Barnard, an engineer, joins us for this new podcast episode. Kate describes why she launched
- [What you can do to Stop Loan Sharks with Cath Wohlers](https://responsiblefinance.org.uk/2022/09/what-you-can-do-to-stop-loan-sharks-with-cath-wolhers/) - "They make it feel like it's your fault," says Cath Wohlers of loan sharks. They use manipulation, isolation and coercive control and they ruin lives, as she describes in this new podcast interview. Earlier this year a Centre for Social Justice report estimated 1.08 million people in England alone are currently using illegal moneylenders, who
- [Recovery Loan Scheme successor announced](https://responsiblefinance.org.uk/2022/07/recovery-loan-scheme-successor-announced/) - The Government announced today (20 July 2022) that there will be a successor scheme to the Recovery Loan Scheme, which will open for applications in August 2022. Responsible Finance has been calling for confirmation of a successor scheme and gave detailed proposals to Treasury about a long-term loan guarantee scheme. Theodora Hadjimichael, chief executive of
- [Pioneers Post: CDFI lending jumps, call for banks and businesses to invest in CDFIs](https://responsiblefinance.org.uk/2022/06/pioneers-post-cdfi-lending-jumps-call-for-banks-and-businesses-to-invest-in-cdfis/) - 1 June 2022: International social enterprise and impact investment magazine, Pioneers Post, featured our Impact Report in its latest Impact Finance Bulletin. Its article covers the total increase in CDFI lending, the jobs, social enterprises and businesses our members supported and the millions of pounds our members (themselves social enterprises) saved low-income households. It also
- [Responsible finance changes lives – 2022 Impact Report](https://responsiblefinance.org.uk/2022/05/changing-lives/) - Our 2022 Impact Report gives a comprehensive insight into CDFIs’ work and the unique effects of fair, affordable finance from our members in 2021. The businesses, social enterprises and jobs we created and grew. The millions of pounds we helped households save in interest. The inequalities we fought. It covers our purpose-driven members’ social, environmental and economic impacts, and maps how this work contributes to the UN Sustainable Development Goals (UN SDGs), today, all over the UK.
- [The FT: Scale-up CDFIs to fill Provident gap](https://responsiblefinance.org.uk/2022/03/the-ft-scale-up-cdfis-to-fill-provident-gap/) - 31 March 2022: An FT article about Provident Financial, which closed its doorstep lending division last year after receiving thousands of customer complaints and being investigated by the Financial Conduct Authority (FCA) for selling unaffordable loans, flags the urgent need for better options for people with poor credit scores. Siddharth Venkataramakrishnan's article includes a quote
- [The Financial Times: Banks and Government should support community finance](https://responsiblefinance.org.uk/2022/05/the-financial-times-banks-and-government-should-support-community-finance/) - Financial Times consumer editor Claer Barrett's comprehensive article, published in FT Weekend and online, says millions of people are vulnerable to loan sharks and calls on banks to get behind community lenders.
- [Where Next for Guarantees? The CBI and Responsible Finance](https://responsiblefinance.org.uk/2022/05/where-next-for-guarantees-the-cbi-and-responsible-finance/) - A joint blog by Theodora Hadjimichael, Responsible Finance, and Chris Wilford, The Confederation of British Industry (CBI) Reports in the Financial Times and other media suggest it’s not a matter of whether there will be a successor to the Recovery Loan Scheme but what it will look like. Both the CBI and Responsible Finance gave
- [BBC Money Box: Theodora Hadjimichael interviewed on community lenders](https://responsiblefinance.org.uk/2022/03/bbc-money-box-theodora-hadjimichael-interviewed-on-community-lenders/) - 12th March 2022: BBC Radio 4's Money Box programme covered community lenders and their impact, including an interview with Responsible Finance CEO, Theodora Hadjimichael. Presenter Paul Lewis quizzed Theodora about how community finance firms are different from other finance providers and the news that two of our members have helped low-income households identify millions in
- [The sharks’ feeding frenzy and how to starve them](https://responsiblefinance.org.uk/2022/03/the-sharks-feeding-frenzy-and-how-to-starve-them/) - Devastating stories in a new report from the Centre for Social Justice show how easily illegal lenders ensnare ordinary people. It finds nowhere is safe from loan sharks and estimates at least a million people are borrowing from an illegal money lender – more than the population of Birmingham. The consequences include extortionate repayment costs,
- [Community finance finds £60m lifeline for low-income households](https://responsiblefinance.org.uk/2022/03/community-finance-finds-60m-lifeline-for-low-income-households/) - Thanks to impact-focused responsible lenders, lower-income households have millions of pounds in their pockets they wouldn’t otherwise, a lifeline with such huge increases in the cost of living coming and yet another example of CDFIs – community lenders – helping people build financial resilience.
- [Like 2 million people around the world, I too have become hooked on the online word puzzle, Wordle...](https://responsiblefinance.org.uk/2022/02/like-2-million-people-around-the-world-i-too-have-become-hooked-on-the-online-word-puzzle-wordle/) - Like 2 million people around the world, I too have become hooked on the online word puzzle, Wordle. It has become part of my morning routine as I make breakfast; and as a part-American living in the U.K. I have not been thrown off by the US spelling of certain words. The more I play,
- [Fair By Design: The Government must intervene to help financially vulnerable people](https://responsiblefinance.org.uk/2022/02/fair-by-design-the-government-must-intervene-to-help-financially-vulnerable-people/) - Martin Coppack, Director, Fair By Design. Sherisha is a single mum to her 8-year-old daughter. Sherisha used to work full time as a social worker but has had to cut down to three days a week to support her daughter’s additional needs. This leaves Sherisha and her daughter with an income of £18,000 per year
- [Salad and Fair4All Finance finalists in Digital Leaders Impact Awards](https://responsiblefinance.org.uk/2022/02/salad-and-fair4all-finance-digital-leaders-impact-awards/) - We're happy to see Salad Money and Fair4All Finance recognised for their work building financial inclusion and resilience. Both have been named finalists in the Financial Inclusion category of the 2022 Digital Leaders Impact Awards which celebrate "tech for good" in the UK. Tim Rooney, CEO of Responsible Finance member Salad Money, a social enterprise
- [Regulator must be required to promote financial inclusion](https://responsiblefinance.org.uk/2022/02/regulator-must-be-required-to-promote-financial-inclusion/) - Financial services regulators must take responsibility to address financial exclusion and should be required to promote financial inclusion, according to Responsible Finance and 36 other civil society organisations, charities and public interest groups. The organisations have published a joint statement in response to the Government’s proposals for the Financial Services Future Regulatory Framework and a
- [The i newspaper: people need alternative to loan sharks](https://responsiblefinance.org.uk/2022/02/the-i-newspaper-people-need-alternative-to-loan-sharks/) - The article highlights community development finance institutions and the need to scale up affordable credit.
- [Responsible Finance responds to the Adebowale Commission on Social Investment's report](https://responsiblefinance.org.uk/2022/02/responsible-finance-responds-to-the-adebowale-commission-on-social-investments-report/) - Our member Community Development Finance Institutions (CDFIs) are social enterprises. This means they are familiar with the type of slow, organic growth described in the Adebowale Commission on Social Investment's new report 'Reclaiming the Future: Reforming Social Investment for the Next Decade'. Bootstrapping and reinvesting surpluses year after year; unable to make the large-scale investments
- [Purple Shoots seeks South Yorkshire’s hidden entrepreneurs](https://responsiblefinance.org.uk/2022/01/purple-shoots-seeks-south-yorkshires-hidden-entrepreneurs/) - Responsible Finance member Purple Shoots is looking for “hidden entrepreneurs” in South Yorkshire as it expands after helping hundreds of people start small businesses in Wales. The not-for-profit micro-finance organisation tackles poverty, disadvantage, unemployment and social isolation through encouraging entrepreneurship and independence. Founder and CEO Karen Davies launched Purple Shoots, a registered charity, in 2013
- [CLES: Community wealth building – making financial power work for local places](https://responsiblefinance.org.uk/2022/01/cles-community-wealth-building-making-financial-power-work-for-local-places/) - Recent years have seen a growing number of local councils across the UK, including Birmingham, Sandwell and Wigan, as well as the devolved administrations in Scotland and Wales adopting community wealth building to develop collaborative solutions to local social and economic problems. In contrast to the UK Government’s much-touted levelling up agenda, community wealth building
- [Empowering businesses to unlock transformation](https://responsiblefinance.org.uk/2021/09/empowering-businesses-to-unlock-transformation-47-days-to-cop26/) - The planetary emergency needs sure footed action over the next decade after years of negative human influence. Despite the ongoing challenges of Covid-19, over half of the UK’s small and medium sized enterprises (SMEs) see this as their business priority. We need to empower them to make positive interventions. The net-zero greenhouse gas emissions challenge
- [The Times: MPs call on Government to support CDFIs](https://responsiblefinance.org.uk/2021/10/the-times-mps-call-on-government-to-support-cdfis/) - 04.10.2021 An article in today's Times newspaper includes coverage of the call by the All-Party Parliamentary Group (APPG) on Fair Business Banking for Government to support CDFIs. In its recent report the APPG said Government should “Deliver a strong local finance option for every business in the UK – by providing capital to regionally based
- [The Times: Chancellor should support CDFIs so UK can level up (letter)](https://responsiblefinance.org.uk/2021/10/the-times-chancellor-should-support-cdfis-so-uk-can-level-up-letter/) - 05.10.2021 Today's Times newspaper published a letter from Peter Udale, a Responsible Finance director, about turning "levelling up" from a catchphrase into measures with tangible outcomes. Udale notes that levelling up should create more opportunities for business and employment, especially for disadvantaged people and in areas of deprivation; that CDFIs have a fine track record
- [City A.M. Credit shortage for SMEs prevents levelling up](https://responsiblefinance.org.uk/2021/09/city-a-m-credit-shortage-for-smes-prevents-levelling-up/) - 08 September 2021: City A.M., London's most-read financial and business newspaper, quotes Theodora Hadjimichael, chief executive of Responsible Finance: “Access to finance remains the major block to SME growth in the regions, deprived areas and among demographics under-served by mainstream and so-called challenger banks. And levelling-up will not be delivered solely by building projects in
- [The Financial Times: Subprime lending and the fight against loan sharks](https://responsiblefinance.org.uk/2021/12/the-financial-times-subprime-lending-and-the-fight-against-loan-sharks/) - This FT coverage is a powerful demonstration of the importance of Community Development Finance Institutions in one of the world’s most respected newspapers.
- [Inquiry finds business funding gap needs local finance to make levelling-up reality](https://responsiblefinance.org.uk/2021/09/inquiry-finds-business-funding-gap-needs-local-finance-to-make-levelling-up-reality/) - Close £22bn business funding gap to make levelling-up reality, say MPs A multi-billion pound funding gap for small businesses is preventing the UK from “levelling-up," according to an in-depth, cross-party Parliamentary inquiry. The “Scale Up to Level Up” report, published today (07.09.2021) by the All-Party Parliamentary Group (APPG) on Fair Business Banking, describes a critical
- [MPs in SME finance debate call for capital to community development financial institutions](https://responsiblefinance.org.uk/2021/11/mps-in-sme-finance-debate-call-for-capital-to-community-development-financial-institutions/) - 11 November 2021 – In this week’s Westminster Hall "SMEs: Access to Finance” debate, Peter Gibson MP, Vice-Chair of the APPG on Fair Business Banking, said: “We must deliver a strong local finance option for businesses in the UK. We cannot continue to deprive hungry and ambitious businesses of access to finance and scaling up,
- [Help more social housing tenants to avoid high-cost credit](https://responsiblefinance.org.uk/2021/11/help-more-social-housing-tenants-to-avoid-high-cost-credit/) - Drawing on insights from professionals and tenants, a new report written by Fair4All Finance and Campbell Tickell presents the case for increased shared working between housing associations and affordable lenders. It says that there is significant opportunity for housing associations and community finance providers to establish and expand partnerships to improve the financial resilience of
- [Chancellor will stifle 200,000 businesses if cross-party proposal ignored](https://responsiblefinance.org.uk/2021/10/chancellor-will-stifle-200000-businesses-if-cross-party-proposal-ignored/) - 20 October 2021 Kevin Hollinrake MP, co-chair of the cross-party APPG on fair business banking, has written to the Chancellor calling for the scaling up of CDFIs (community development finance institutions). If no action is taken by Treasury in next week’s Budget, then over 200,000 established businesses will lose out every year and the promise
- [The ‘levelling-up’ lever](https://responsiblefinance.org.uk/2021/10/the-levelling-up-lever/) - According to Michael Gove levelling-up means boosting local leadership, raising living standards, improving public services and giving people necessary resources. The Communities Secretary said last week every government department will be a “department for levelling up,” and gave Teeside as an example of levelling up in action. It put meat on the bones of a
- [Level up now by boosting black-led, female-led and regional businesses – MPs back proposals](https://responsiblefinance.org.uk/2021/10/level-up-now-by-boosting-black-led-female-led-and-regional-businesses-mps-back-proposals/) - Government urged to “fix business funding chasm to level-up now” Reducing the barriers to finance for over 200,000 viable small businesses, especially those led by Black and Minority Ethnic entrepreneurs, women, and people outside London and the south-east would make “levelling-up” an immediate reality, according to a new proposal to Government following a Parliamentary inquiry.
- [Scam alert: we do NOT offer loans and never request bank details](https://responsiblefinance.org.uk/2021/09/scam-alert-we-do-not-offer-loans-and-never-request-bank-details/) - We've been made award of fraudulent scam emails from people impersonating Responsible Finance. Some of the messages tell recipients a loan has been approved, and request their bank account details. Some use subject lines such as "Approved Loan." 1. We do not authorise loans (our member CDFIs do). 2. We never request personal financial information.
- [Victoria Gosling OBE and Tim Rooney join Responsible Finance board](https://responsiblefinance.org.uk/2021/09/victoria-gosling-obe-and-tim-rooney-join-responsible-finance-board/) - Responsible Finance is delighted to welcome Victoria Gosling OBE and Tim Rooney to the Board of Directors. Victoria is Chief Strategy Officer and Board Director for Auden, a socially-responsible FinTech with a mission to provide financial solutions at scale for those who are under served, over charged or excluded by mainstream financial services. Victoria completed
- [How to fix broken markets and stimulate social investment with Danny Kruger MP](https://responsiblefinance.org.uk/2021/07/how-to-fix-broken-markets-and-stimulate-social-investment-with-danny-kruger-mp/) - How can Government stimulate a boom in the social economy? What's the vital role that social enterprise play in fixing broken markets from within? How can we unlock more investment for the UK's CDFIs? An interview with Danny Kruger MP.
- [Provident Financial directs former customers to responsible finance members and credit unions](https://responsiblefinance.org.uk/2021/07/provident-financial-directs-former-customers-to-responsible-finance-members-and-credit-unions/) - Provident Financial, which has closed its doorstep lending arm, has written to former customers to direct them to our members (community development finance institutions) and to credit unions. Our members exist so people can get affordable credit in a way that helps them, rather than exploits them. As social enterprises, the only people we want
- [Alpkit - sustainable growth, business for good and responsible finance](https://responsiblefinance.org.uk/2021/07/alpkit-sustainable-growth-business-for-good-and-responsible-finance/) - Can business be a force for good? Definitely, according David Hanney, CEO of Alpkit, a business and certified B Corp which designs and sources outdoor clothing, camping equipment, bikes and other gear. Alpkit sells direct-to-consumers through its website and its stores in the UK. It now has more than 100 employees – 6 years ago
- [Pioneers Post: Danny Kruger on major opportunity for UK social enterprises from £7.6bn new funding](https://responsiblefinance.org.uk/2021/05/pioneers-post-danny-kruger-on-major-opportunity-for-uk-social-enterprises-from-7-6bn-new-funding/) - Pioneers Post, the international social enterprise and impact investment magazine, featured Danny Kruger MP's conversation with Responsible Finance CEO Theodora Hadjimichael about embedding social enterprise into the UK's recovery in this article. Kruger emphasised how he believed social enterprises (including community development finance institutions, which are social enterprises themselves) could help to regenerate communities, and
- [New Start: Ethical lenders build better future for 31,000 people](https://responsiblefinance.org.uk/2021/05/new-start-ethical-lenders-build-better-future-for-31000-people/) - Community Development Finance Institutions have helped 31,000 people save £11m in interest in recent months, and this impact and other data from our “Building a Better Future” report is covered in this article in UK "making better places" magazine New Start (subscription required). What next? Personal-lending Community Development Finance Institutions helped 31,000 people save £11
- [The Financial Times: Crackdown on high-cost credit leaves gap that must be filled](https://responsiblefinance.org.uk/2021/05/the-financial-times-crackdown-on-high-cost-credit-leaves-gap-that-must-be-filled/) - Writing in today's (25 May 2021) Financial Times, business columnist Helen Thomas stresses the need for the UK to give more attention and investment to expanding alternatives to high-cost credit that can provide financial products in a sustainable and responsible way: "Evidence suggests that affordable credit provision, such as through community development financial institutions (CDFIs),
- [Help more people, businesses and social enterprises get access to responsible finance](https://responsiblefinance.org.uk/2021/05/help-more-people-businesses-and-social-enterprises-get-access-to-responsible-finance/) - Tens of thousands of businesses, social enterprises and people thrive every year thanks to community development finance. But many more are still excluded from affordable options. It's time to grow community development finance institutions. For people. For jobs. For businesses and social enterprises. To make "levelling-up" real, so communities can create opportunity and wealth. To
- [As Provident crumbles ethical lenders build better future for 31,000 customers](https://responsiblefinance.org.uk/2021/05/as-provident-crumbles-ethical-lenders-build-better-future-for-31000-customers/) - Community Development Finance Institutions helped 31,000 people save £11 million in interest, according to a new report published today (19 May 2021), which highlights the urgency of scaling-up the ethical, not-for-profit affordable credit sector. Politicians across parties have joined calls from The FCA and campaigners to praise the impact of Community Development Finance Institutions (CDFIs).
- [Cross-party acclaim for community development finance as report reveals thousands of businesses supported](https://responsiblefinance.org.uk/2021/05/cross-party-acclaim-for-community-development-finance-as-report-reveals-thousands-of-businesses-supported/) - Filling a gap, fuelling thousands of businesses: report shows 12,640 jobs protected by financial superpower Thousands of jobs and businesses have the UK’s “financial superpower” to thank for lending where banks could not, according to new figures released today (14 May 2021) by Responsible Finance. Our member Community Development Finance Institutions supported nearly 6,000 businesses
- [Ethical lenders and the cost of credit](https://responsiblefinance.org.uk/2021/02/ethical-lenders-and-the-cost-of-credit/) - It is well documented that being poor costs more. When people who are less well off or have fluctuating incomes need credit for sudden expenses, many lenders see an opportunity to make a lot of money. This is where a lot of the issues in the consumer credit market arise. CDFIs (community development finance institutions)
- [How to Scale Up a Financial Superpower: Politicians and Stakeholders on CDFIs' Unique Impact](https://responsiblefinance.org.uk/2021/05/how-to-scale-up-a-financial-superpower-politicians-and-stakeholders-on-cdfis-unique-impact/) - The UK finance system has a superpower: Community Development Finance Institutions (CDFIs). These locally-rooted social enterprises get finance to people, businesses and social enterprises who can't get the finance they need from banks. Here champions of CDFIs' impact describe the unique and crucial role they play in their communities and for the UK, addressing financial
- [10xRF showcases CDFIs' superpowers](https://responsiblefinance.org.uk/2021/04/10xrf-showcases-cdfis-superpowers/) - The financial system has a secret superpower. Community Development Finance Institutions (CDFIs) create jobs, nurture businesses and social enterprises, and invest in people and communities. We're championing their impact and examining how to magnify it over ten days of events, conversation and inspiration this May, and you're invited. 10xRF is the year's biggest and most
- [The Observer newspaper: CDFIs' work more vital than ever](https://responsiblefinance.org.uk/2021/03/the-observer-newspaper-cdfis-work-more-vital-than-ever/) - A full page feature in today's Observer newspaper demonstrates the impact of personal-lending CDFIs. With 14.2 million people now financially vulnerable, it says our work is more vital than ever. The article includes a profile of Kathryn Smart, a customer of our member Fair Finance; summarises the history of CDFIs in the UK (and the
- [Responsible Finance welcomes the FCA's timely vulnerability guidance](https://responsiblefinance.org.uk/2021/02/responsible-finance-welcomes-the-fcas-timely-vulnerability-guidance/) - "The FCA’s bold new guidance on vulnerability and its particular emphasis on inclusive design are welcome developments that will improve outcomes for all financial services customers, not just those who are more susceptible to harm. In the wake of the destruction caused by Covid-19, which has pushed many more people into vulnerable circumstances, the guidance
- [MPs urge Government to boost recovery by backing community development finance](https://responsiblefinance.org.uk/2021/02/mps-urge-government-to-boost-recovery-by-backing-community-development-finance/) - 23 February 2021: MPs including Sir Iain Duncan Smith, the former leader of the Conservative party, have backed calls to the Chancellor to inject £25m into the community development finance sector to boost the UK’s recovery and support the "levelling-up" agenda. Kevin Hollinrake MP, chair of the All Party Parliamentary Group on Fair Business Banking,
- [Responsible Finance reacts to the FCA's Financial Lives 2020 Survey](https://responsiblefinance.org.uk/2021/02/responsible-finance-reacts-to-the-fcas-financial-lives-2020-survey/) - The FCA’s new Financial Lives survey exposes the fragile state of our finances, both prior to the pandemic and now. In February last year, 20% of UK adults had low financial resilience - meaning they were over-indebted or had little capacity to withstand financial shocks. This has now increased to over a quarter (27%). The
- [Responsible Finance welcomes the Woolard Review programme for reform](https://responsiblefinance.org.uk/2021/02/responsible-finance-welcomes-the-woolard-review-programme-for-reform/) - We welcome publication of the Woolard Review and its programme for reform. Its emphasis on boosting alternatives to high-cost credit, and its holistic approach to issues including the treatment of the very poorest when they need help are timely, especially in light of the financial havoc wreaked by the Covid-19 pandemic. We particularly applaud the
- [Financial Times: CDFIs are alternative to potentially harmful buy-now pay-later credit](https://responsiblefinance.org.uk/2021/02/financial-times-cdfis-are-alternative-to-potentially-harmful-buy-now-pay-later-credit/) - Today's Financial Times covers the Woolard review of the unsecured credit market. Our analysis of the review is here. The newspaper highlights the review's recommendation to boost community development finance institutions (CDFIs). You can read the article here (FT subscription or registration required). We welcome the review. These case studies highlight some of the ways
- [Environment Journal: The Power of Green Finance](https://responsiblefinance.org.uk/2016/10/environment-journal-the-power-of-green-finance/) - Community-owned energy schemes all over Wales exist thanks to Responsible Finance member Robert Owen Community Banking. Today's feature in Environment Journal magazine describes how affordable loans, technical advice and mentoring from ROCB's community energy fund have catalysed community share issues and Welsh Government investments. Many of the projects featured are now generating both energy and
- [The Guardian: CDFI growth of 300%](https://responsiblefinance.org.uk/2012/07/the-guardian-cdfi-growth-of-300/) - An opinion column by Deborah Orr in The Guardian newspaper covers banking reform and highlights CDFIs' growth since 2006. Read it here. What next? Media / journalists: Responsible Finance, our members and clients have featured in TV, radio, national and regional newspapers, magazines, online and in podcasts. We can offer interviews, comment and case studies
- [The Economist: microfinance is not just for poor countries](https://responsiblefinance.org.uk/2011/10/the-economist-microfinance-is-not-just-for-poor-countries/) - The "Britain" section of this week's Economist features community development finance institutions as a useful option for "underbanked" and financially excluded customers, in an article about You can read it here (registration required). What next? Media / journalists: Responsible Finance, our members and clients have featured in TV, radio, national and regional newspapers, magazines, online
- [The Guardian: Moneyline, Scotcash, Street UK – and Michael Sheen](https://responsiblefinance.org.uk/2018/03/the-guardian-moneyline-scotcash-street-uk-and-michael-sheen/) - Three of our members were featured as ethical alternatives to high cost credit in this Guardian article about the actor and activist Michael Sheen, who launched the End High Cost Credit Alliance at our annual conference in Glasgow. Read about our and our members' involvement in the Alliance here; watch Sheen's speech in full here.
- [BBC Money Box Live: CDFIs](https://responsiblefinance.org.uk/2014/07/bbc-money-box-live-cdfis/) - In today's Money Box Live on BBC Radio 4, presenter Paul Lewis and Emma Jones, Founder of Enterprise Nation, described CDFIs as another alternative source of funding for small businesses. The transcript of the programme is here. What next? Media / journalists: Responsible Finance, our members and clients have featured in TV, radio, national and
- [The Guardian: Community Development Finance Initiatives: how do they work?](https://responsiblefinance.org.uk/2013/09/the-guardian-community-development-finance-initiatives-how-do-they-work/) - Claudia Cahalane's feature in The Guardian today explains how CDFIs build local communities through access to affordable, responsible credit for small business, charities and social enterprises. It includes our member Key Fund and data about the £65m increase, to £145m, in community development finance for social enterprises and charities last year. And it covers new
- [MoneyWeek praises Community Investment Tax Relief](https://responsiblefinance.org.uk/2019/07/moneyweek-praises-community-investment-tax-relief/) - MoneyWeek's David C Stevenson says Community Investment Tax Relief (CITR) is a "practical and tax-efficient way for investors with a social conscience to help struggling communities." Stevenson describes how the scheme, which it says is "admirable" works. Worked examples draw on our member Charity Bank and the article covers £145m raised (to date) through the
- [The Times Newspaper: stars align for more responsible form of small company finance](https://responsiblefinance.org.uk/2018/04/the-times-newspaper-stars-align-for-more-responsible-form-of-small-company-finance/) - Today's Times newspaper features a two-page focus on responsible finance, "finance that aims to step in when viable small companies cannot secure funds from mainstream sources, whether because of a problematic or scant credit history, a lack of collateral to support a loan or an insufficient trading record." James Hurley's article profiles our members SWIG
- [The Irish News: Music business founder is inspiration](https://responsiblefinance.org.uk/2018/04/the-irish-news-music-business-founder-is-inspiration/) - Stephen Henderson, whose business Ruach Music makes handmade electric guitars, electric basses, pedal-boards for guitarists, cajons, effects pedals and accessories, is featured in today's Irish News. Henderson launched Ruach Music with support from our member Enterprise NI and the article covers his journey from running a hobby-business as a teenager to employing six full-time staff,
- [The i newspaper](https://responsiblefinance.org.uk/2020/10/the-i-newspaper/) - Today's i newspaper highlighted community development finance institutions, "social enterprises which provide credit to those who find it hard to access finance from mainstream lenders." The article drew on data in our annual report – our members made 45,900 personal loans totalling £26 million, with around 23,230 of these loans to people who had previously
- [BBC One: A Matter of Life and Debt](https://responsiblefinance.org.uk/2018/12/bbc-one-a-matter-of-life-and-debt/) - Many of our members and their clients were featured in the latest series of The BBC's documentary series about credit unions and responsible lenders across the country. It told the stories of people whose lives have been transformed by an ethical loan. You can catch up with all ten episodes in series two, here. What
- [CIC press release: CIC calls for better local data to help tackle household debt](https://responsiblefinance.org.uk/2016/10/press-release-cic-calls-for-better-local-data-to-help-tackle-household-debt/) - A new report from the Community Investment Coalition (CIC) is calling for radical action to tackle local debt ‘hot spots’ across the UK. The report, ‘The Distribution of Consumer Credit Debt in Leicester’ specifically looks at local debt hot spots in Leicester. It finds that Britain’s household debt problem has a local dimension with communities
- [The Times: Micheal Sheen fighting for fairer loans](https://responsiblefinance.org.uk/2018/03/the-times-micheal-sheen-fighting-for-fairer-loans/) - The Times covered the actor and activist Michael Sheen, who launched the End High Cost Credit Alliance yesterday in a speech at the Responsible Finance conference. Read about our and our members' involvement in the Alliance here; watch Sheen's speech in full here. The End High Cost Credit Alliance, Michael Sheen, and our members' work
- [Leicester Mercury / Leicestershire Live: recording studio boss Yasin is best in Britain](https://responsiblefinance.org.uk/2020/07/leicester-mercury-leicestershire-live-recording-studio-boss-yasin-is-best-in-britain/) - There's a super profile of Yasin El Ashrafi, founder of a recording studio and music education business who was expelled from school at 15, spent 9 years "getting high" then turned his life around and launched his social enterprise, in today's Leicester Mercury. Yasin has also been featured on BBC East Midlands. He was named
- [The Mirror newspaper: Purple Shoots' client, Scentsational Cottage](https://responsiblefinance.org.uk/2021/01/the-mirror-newspaper-purple-shoots-client-scentsational-cottage/) - Today's Mirror features a lovely interview with Ruth Hancock who describes turning her life around with support from our member Purple Shoots. In May 2020, Ruth (42) was nearly £12,000 in debt. She'd been a working Mum until serious anxiety and OCD meant she had to give up work and began to struggle financially. As
- [Financial Times letter: Remember small business in the bank payout debate](https://responsiblefinance.org.uk/2020/12/financial-times-letter-remember-small-business-in-the-bank-payout-debate/) - Today's Financial Times features this letter (registration required) from Responsible Finance board member, Peter Udale. Udale cites surveys suggesting half a million SMEs may not survive the year ahead. To survive and grow businesses depend on access to affordable finance, says Udale, who contrasts banks' preparation to pay dividends and bonuses with "their responsibility and
- [Varied media: Pontypridd's Karen Davies is “awe-inspiring” everywoman](https://responsiblefinance.org.uk/2020/10/varied-media-pontypridds-karen-davies-is-awe-inspiring-everywoman/) - The founder of a Pontypridd charity which has supported hundreds of want-to-be entrepreneurs into self-employment has been named one of the most awe-inspiring women from across the UK. Karen Davies, chief executive of Pontypridd charity and Responsible Finance member Purple Shoots, is one of three inspirational and successful female social enterprise founders in the running
- [The Sun: alternatives to high-cost credit to save a fortune](https://responsiblefinance.org.uk/2018/05/the-sun-alternatives-to-high-cost-credit-to-save-a-fortune/) - Today's Sun newspaper features our members Fair Finance, Five Lamps, Moneyline and Scotcash in this article about alternatives to high-cost credit. The article commends them "for their much more affordable loan costs," highlighting how they only provide finance to people who can afford the repayments, and offer affordable credit to people excluded from mainstream finance
- [CIC event notes: Bank Lending Data: 3 years on, what have we learnt?](https://responsiblefinance.org.uk/2017/01/notes-from-cic-event-bank-lending-data-3-years-on-what-have-we-learnt/) - On December 12th, the Community Investment Coalition held a roundtable in the Palace of Westminster to discuss the achievements to date of the data disclosure campaign and how to move forward. Click here to download summary notes from the event.
- [CIC press release: ‘People Powered Prosperity’ urges national government to embrace meaningful localism](https://responsiblefinance.org.uk/2015/03/people-powered-prosperity-urges-national-government-to-embrace-meaningful-localism/) - The Community Investment Coalition (CIC) welcomes an innovative book on localism by New Weather Institute. ‘People Powered Prosperity’ sets out a new narrative for very local economics, based on local financial and enterprise institutions, which should be embraced by national politicians and by the Treasury. It is an important intervention to kickstart a vital debate
- [Key Scottish influencers meet to discuss targeted approaches to financial exclusion](https://responsiblefinance.org.uk/2017/12/key-scottish-influencers-meet-to-discuss-targeted-approaches-to-financial-exclusion/) - 12.12.2017 The Community Investment Coalition (CIC) and Social Investment Scotland (SIS) are bringing together a high-level group of influencers on 12th December in the Scottish Parliament to discuss ‘tackling financial exclusion by understanding patterns of access to finance’. The event will shine a spotlight on what action the Scottish Parliament can take to tackle financial
- [CIC blog: 2015 Closure of National Westminster Bank in Dulverton](https://responsiblefinance.org.uk/2016/09/2015-closure-of-national-westminster-bank-in-dulverton/) - Introduction The following account (under the heading ‘Timeline of the branch closure’) was delivered to the Community Investment Coalition (CIC) by Nick Thwaites, Mayor and Chairman Dulverton Town Council and West Somerset District Councillor. It depicts the experiences of the town of Dulverton in relation to the closure of the final bank branch of the
- [CIC blog: #GE2017 Shaping the financial services markets to create economic opportunities for low income communities](https://responsiblefinance.org.uk/2017/05/blog-post-shaping-the-financial-services-markets-to-create-economic-opportunities-for-low-income-communities/) - Heading into the 2017 general election, financial exclusion remains a persistent problem in the UK. Although the UK stands among the world’s leaders in the maturity of its financial services markets, including in the use of FinTech, millions of UK households remain without access to affordable or appropriate services[1]. Financial exclusion seriously undermines the ability
- [CIC blog: Access to data, personalisation and investment are key to financial service innovation](https://responsiblefinance.org.uk/2017/03/cic_data_personalisation_invest/) - The UK likes to boast about having the best financial services bus this has never translated into having the best track record on financial inclusion. Depending on which research you look at and what metrics you use, we are in the top quartile in terms of performance in the EU. But many countries do much
- [CIC blog: CMA’s final report into the retail banking market is a missed opportunity](https://responsiblefinance.org.uk/2016/08/cma-report-missed-opportunity/) - The Community Investment Coalition (CIC) has described the CMA’s final report on its investigation into the retail banking market as a missed opportunity to improve competition in the retail banking sector and so improve banking services for businesses and consumers. While some of the CMA’s recommendations are welcome, such as proposing to employ open-API to
- [CIC news: A Community Investment Coalition letter to the Chancellor](https://responsiblefinance.org.uk/2015/03/a-community-investment-coalition-letter-to-the-chancellor/) - The Community Investment Coalition has today written this letter to the Chancellor of the Exchequer in response to the Budget: Letter to the Chancellor, 18th March 2015. The letter covers four steps that UK Government can do to ensure that banks are doing their bit to build a stronger economy that gives all families, businesses
- [CIC news: Community Investment Coalition calls for action to ensure FinTech revolution helps tackle financial exclusion](https://responsiblefinance.org.uk/2015/04/community-investment-coalition-calls-for-action-to-ensure-fintech-revolution-helps-tackle-financial-exclusion/) - The financial services sector is facing rapid change. New technology and differing consumer expectations are creating demand for financial services that are tailored to individual needs and delivered in different ways. This is creating real opportunity for new entrants to the sector who are revolutionising the quality, range and accessibility of services. The long established
- [CIC press release: Financial Inclusion Commission urges UK Government to improve financial health of the nation](https://responsiblefinance.org.uk/2015/03/financial-inclusion-commission-urges-uk-government-to-improve-financial-health-of-the-nation/) - The Community Investment Coalition (CIC) has warmly welcomed the Financial Inclusion Commission’s report ‘Improving the financial health of the nation’. The Financial Inclusion Commission’s work has highlighted the vulnerability of private finances and the lack of resilience in the system. The Commission’s report sets out a vision for the UK where financial services that are
- [CIC Blog: tackling financial exclusion in Scotland](https://responsiblefinance.org.uk/2018/01/cic-blog-tackling-financial-exclusion-in-scotland/) - Using data to understand and tackle financial exclusion in Scotland – summary of a round table discussion in the Scottish Parliament, hosted by Social Investment Scotland (SIS) and the Community Investment Coalition (CIC) On a particularly cold night on 12th December in partnership with Social Investment Scotland (SIS), the Community Investment Coalition (CIC) brought
- [CIC Blog: Penny for your thoughts? ATMs & the future of cash](https://responsiblefinance.org.uk/2018/03/cic-blog-penny-for-your-thoughts-atms-the-future-of-cash/) - Recent changes by LINK to its interchange rate means that thousands of free-to-use cash machines in the UK are threatened, potentially limiting access to cash for hundreds of communities. Its plans mean that the fee banks pay to ATM operators will be reduced gradually from 25p to 20p per withdrawal, ultimately making cash points less
- [Community Investment Coalition 2018 Manifesto](https://responsiblefinance.org.uk/2018/04/community-investment-coalition-2018-manifesto/) - This May, seats are up for grabs on 150 local councils in England. In anticipation of this, the Community Investment Coalition urges local councils to make a commitment to tackling financial exclusion. Families struggling with unstable incomes are five times more likely to turn to high-cost credit[1]. Outstanding doorstep loan debt has doubled since 2014,
- [CIC Blog: Ethnicity and Financial Exclusion](https://responsiblefinance.org.uk/2018/05/cic-blog-ethnicity-and-financial-exclusion/) - The UK is one of the most powerful financial centres in the world, yet financial exclusion remains a significant issue. At the same time, a recent report into racial prejudice in Britain today shows that despite increasing social liberalism in many areas, racial prejudice is not undergoing a similar trend. For the past 35 years,
- [CIC Blog: Reclaiming financial services](https://responsiblefinance.org.uk/2018/06/cic-blog-reclaiming-financial-services/) - In rural areas of the UK, 13% of adults aged 55 and over, or who are younger and have a physical or mental health condition, have difficulty getting to a bank. 3% of UK adults are unbanked. 20% of these are in London. 4.1 million UK adults are defined as ‘in difficulty’ because they have missed
- [Community Investment Coalition: Inclusive access to finance for enterprise](https://responsiblefinance.org.uk/2018/10/inclusive-access-to-finance-for-enterprise/) - The UK is one of the most powerful financial centres in the world, yet financial exclusion remains a significant issue. Ethnic minority businesses are estimated to contribute £25 to £32 billion to the UK economy per year[i]. Despite this, they face a series of challenges including accessing finance and effectively engaging with business support[ii]. Mechanisms
- [Budget 2018: Crucial investment is needed to support the responsible finance sector and the impact it has on local economic growth](https://responsiblefinance.org.uk/2018/10/budget-2018-crucial-investment-is-needed-to-support-the-responsible-finance-sector-and-the-impact-it-has-on-local-economic-growth/) - The social and economic value that responsible finance providers generate is significant; for every £1 responsible finance providers lend, they generate £7 in economic value, says Responsible Finance. With Brexit on the doorstep, the future of the financial services industry and within it, the responsible finance sector remains uncertain. However, transformation is on its way and the Government should
- [Queen’s speech: in these chaotic times it is vital not to lose sight of issues crucial to people and place](https://responsiblefinance.org.uk/2019/10/queens-speech-in-these-chaotic-times-it-is-vital-not-to-lose-sight-of-issues-crucial-to-people-and-place/) - People and place are key foundations in the Government’s Industrial Strategy, and sustainable economic development is central to this. The UK is transitioning to net zero greenhouse gas emissions by 2050 in response to the burgeoning climate crisis. It is essential that this transition is just: ‘A just transition is one that ensures that climate
- [Key Scottish influencers meet to discuss targeted approaches to financial exclusion in Scotland](https://responsiblefinance.org.uk/2018/12/key-scottish-influencers-meet-to-discuss-targeted-approaches-to-financial-exclusion-in-scotland/) - Responsible Finance, Carnegie UK Trust and Scotcash are bringing together a high-level group of influencers on 11th December at the Scottish Parliament to discuss ‘tackling financial exclusion in Scotland – what more can be done?’. The event will shine a spotlight on what action the Scottish Government can take to tackle financial exclusion through support
- [Responsible finance providers have a long and proven track record – the next Government must invest in them](https://responsiblefinance.org.uk/2019/11/responsible-finance-providers-have-a-long-and-proven-track-record-the-next-government-must-invest-in-them/) - Responsible Finance, the voice of the responsible finance industry, sets out their Manifesto for the 2019 General Election. The responsible finance industry works to promote prosperity and address inequality by empowering people to take control of their financial futures. Access to finance and financial exclusion are significant barriers to growth and long-term prosperity in local economies across
- [Governments recognising vital role of CDFIs](https://responsiblefinance.org.uk/2020/12/governments-recognising-vital-role-of-cdfis/) - This week the US Congress approved $12 billion in funding for Community Development Financial Institutions (CDFIs) and Minority Designated Institutions (MDIs) as part of a $900 billion COVID-19 emergency stimulus funding package. The funding will expand the capacity of CDFIs and MDIs which serve minority and financially underserved communities across the USA. Theodora Hadjimichael, Chief
- [Three steps for a locally-powered recovery](https://responsiblefinance.org.uk/2020/12/three-steps-for-a-locally-powered-recovery/) - Last week's news of 25,000 jobs at risk after Debenhams and Arcadia Group fell into administration caused a collective gasp. Along with heartbreak over the loss of these jobs, many fear for the future existence of our high streets as shop after shop keeps closing. Locked down at home we have turned to our communities and
- [Dozens of banks, investors and institutions commit to financing a just transition for the UK](https://responsiblefinance.org.uk/2020/11/dozens-of-banks-investors-and-institutions-commit-to-financing-a-just-transition-for-the-uk/) - Banks, investors and financial institutions today joined forces with universities and trade unions to launch the UK’s first alliance to finance a just transition. Coordinated by the Grantham Research Institute on Climate Chance and Environment at the London School of Economics, The Financing a Just Transition Alliance (FJTA) is supported by almost 40 organisations. “As
- [£10 million Bounce Back Fund in Greater Manchester Second Lockdown Response](https://responsiblefinance.org.uk/2020/11/10-million-bounce-back-fund-in-greater-manchester-second-lockdown-response/) - In response to gaps in Bounce Back loan availability for some Greater Manchester-based SMEs following the second national lockdown, Greater Manchester Combined Authority (GMCA) in partnership with Responsible Finance member GC Business Finance has stepped in pledging £10m emergency funding specifically geared to support businesses based in Greater Manchester unable to access the Bounce Back
- [Time to Stop Pay-Day Loan Firms Cashing in on the Pandemic](https://responsiblefinance.org.uk/2020/11/time-to-stop-pay-day-loan-firms-cashing-in-on-the-pandemic/) - 9.7 million households across the UK reported a fall in income by the end of July 2020 as a direct consequence of the pandemic. Nearly one in six households – 16% – were struggling to make ends meet and 10% were in serious financial difficulty[1]. Those in the poorest households saw the biggest hit to
- [Purple Shoots' Karen one of UK's most awe-inspiring business leaders](https://responsiblefinance.org.uk/2020/10/purple-shoots-karen-one-of-uks-most-awe-inspiring-business-leaders/) - Karen Davies, CEO of Purple Shoots, is one of three inspirational and successful female social enterprise founders in the running for the Gaia Award in the NatWest everywoman Awards
- [Responsible Finance Responds to BBB report 'Alone Together: Entrepreneurship and Diversity in the UK'](https://responsiblefinance.org.uk/2020/10/responsible-finance-responds-to-bbb-report-alone-together-entrepreneurship-and-diversity-in-the-uk/) - Responsible Finance responds to new report from the British Business Bank and Oliver Wyman, Alone Together: Entrepreneurship and Diversity in the UK. "The Alone Together report into Entrepreneurship and diversity in the UK demonstrates that access to finance appears to be a major barrier for Black, Asian and Other Ethnic Minority entrepreneurs. It is unjust that entrepreneurs
- [Impact Investing and Responsible Finance - Opportunities and Addressing Challenges](https://responsiblefinance.org.uk/2020/10/impact-investing-and-responsible-finance/) - How can community development finance institutions – locally based finance providers lending to businesses, social enterprises and people who cannot access mainstream finance – engage with impact investors operating at scale? Sarah Gordon, Chief Executive of The Impact Investing Institute, and Ed Siegel, Chief Executive of Charity Bank, discussed opportunites, perceptions and myth-busting in our webinar. Read more here with access to the video too.
- [Post CBILS Guarantee: The Government Should Act Now to Ensure Businesses can Access Finance After 30 November](https://responsiblefinance.org.uk/2020/10/post-cbils-guarantee-the-government-should-act-now-to-ensure-businesses-can-access-finance-after-30-november/) - Community Development Finance Institutions (CDFIs) have been working tirelessly to support SMEs whose businesses have been disrupted by the COVID-19 outbreak. In April they stepped up their lending by 250% compared to the same period in 2019 and have so far lent £46 million to 575 businesses in CBILS-backed loans. In recent weeks demand for
- [Levelling Up Our Communities: Response to Danny Kruger MP's Report](https://responsiblefinance.org.uk/2020/09/levelling-up-our-communities-response-to-danny-kruger-mps-report/) - ‘To build back better’ we need a new economic and social model to replace the one that preceded the crisis. Because before the crisis hit, our communities were in trouble.’ Responsible Finance welcomes Danny Kruger MP’s Levelling Up Our Communities report, its proposals to sustain community spirit and the affirmation that we must not return
- [Coronavirus Business Interruption Loan Scheme Update - 30th August](https://responsiblefinance.org.uk/2020/09/coronavirus-business-interruption-loan-scheme-update-30th-august/) - As of 30th August 2020, CDFIs have approved £38.9 million of CBILS-backed loans for 518 small businesses and microenterprises.
- [Turning £30m into £89m for under-served businesses, CDFIs can help Build Back Better](https://responsiblefinance.org.uk/2020/08/turning-30m-into-89m-for-under-served-businesses-cdfis-can-help-build-back-better/) - The RF Fund was established in 2012 with two key objectives: to capitalise community development finance institutions (CDFIs) so they could lever further investment and scale up their economic and social impact; and to grow and support private-sector jobs and economic prosperity in places dependent on the public sector following the 2008 financial crisis. This Impact Report demonstrates it has achieved both objectives and exceeded the Government’s ambitious targets for businesses and jobs supported, while also unlocking millions of pounds of further private capital.
- [Exceptional businesses and finance providers win Citi Microentrepreneurship Awards 2020](https://responsiblefinance.org.uk/2020/07/exceptional-businesses-and-finance-providers-win-citi-microentrepreneurship-awards-2020/) - Four firms awarded £7,500 prizes in microentrepreneurship awards celebrating their success and support from responsible finance providers A business launched to make the world accessible to disabled travelers, a plastic-free zero waste store which has revitalised its local area, a recording studio and music education social enterprise, and Glasgow’s first new rum distillery for 300
- [Exceptional businesses and finance providers are finalists in Citi Microentrepreneurship Awards 2020](https://responsiblefinance.org.uk/2020/02/exceptional-businesses-and-finance-providers-are-finalists-in-citi-microentrepreneurship-awards-2020/) - Today we reveal the eleven micro, small and social enterprises shortlisted for Awards reflecting their positive impacts in creating jobs, unlocking opportunities, and addressing social and environmental challenges.
- [CITR: A tax relief which benefits society, with Katy Ford](https://responsiblefinance.org.uk/2019/06/citr-a-tax-relief-which-benefits-society-with-katy-ford/) - Katy gives examples of the businesses which are now thriving thanks to a loan and support from Foundation East; describes how CITR, Community Investment Tax Relief, works (and how Foundation East has attracted investment); and gives her views on how responsible finance providers should innovate and collaborate.
- [Tomorrow’s Summer Statement Should Commit to Investing in CDFIs to Prevent Unemployment and Stimulate Job Creation in SMEs which Fall Between the Cracks](https://responsiblefinance.org.uk/2020/07/tomorrows-summer-statement-should-commit-to-investing-in-cdfis-to-prevent-unemployment-and-stimulate-job-creation-in-smes-which-fall-between-the-cracks/) - CDFIs prevent and reduce unemployment by supporting businesses, fostering inclusive growth, boosting productivity and facilitating enterprise creation. They are key strategic partners for the Government and the British Business Bank, and the sector needs urgent access to low-cost funding to serve demand for SME finance and ensure the UK’s recovery is sustainable and inclusive. Pre-emptive,
- [CBILS Update - 6th July](https://responsiblefinance.org.uk/2020/07/cbils-update-6th-july/) - As of 6th July 2020, Responsible Finance can confirm that our members have approved £24.6 million of loans for 394 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [CBILS Update - 22nd June](https://responsiblefinance.org.uk/2020/06/cbils-update-22nd-june/) - As of 22nd June 2020, Responsible Finance can confirm that our members have approved £23 million of loans for 377 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [CBILS Update - 8th June](https://responsiblefinance.org.uk/2020/06/cbils-update-8th-june-2020/) - As of 8th June 2020, Responsible Finance can confirm that our members have approved £20.8 million of loans for 356 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [CBILS Update - 25th May](https://responsiblefinance.org.uk/2020/05/cbils-update-25th-may/) - As of 25th May 2020, Responsible Finance can confirm that our members have approved £18.5 million of loans for 333 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [With the right support from government this period of financial vulnerability for households can be temporary](https://responsiblefinance.org.uk/2020/05/with-the-right-support-from-government-this-period-of-financial-vulnerability-for-households-can-be-temporary/) - More work is needed to enable the resilience of a large part of society. Delivering hardship funds through the responsible finance sector will help do just that.
- [The Government should end the delay in granting alternative lenders access to Bank of England funds](https://responsiblefinance.org.uk/2020/06/the-government-should-end-the-delay-in-granting-alternative-lenders-access-to-bank-of-england-funds/) - The UK’s non-bank lenders and the Government are continuing to discuss access to cheap funding from the Bank of England. It is clear that without this, non-bank lenders and the diversity they bring to the SME finance market will be damaged at a time when they are needed most. We call on the Government to
- [Responsible Finance members among UK’s leading 100 social enterprises](https://responsiblefinance.org.uk/2020/05/responsible-finance-members-among-uks-leading-100-social-enterprises/) - Four Responsible Finance members – Big Issue Invest, Business Enterprise Fund (BEF), Charity Bank and Let's Do Business Group – are among the UK’s leading 100 social enterprises selected in this year’s NatWest SE100 Index.
- [Finance For Enterprise has appointed Andrew Austwick as new Managing Director](https://responsiblefinance.org.uk/2020/05/finance-for-enterprise-has-appointed-andrew-austwick-as-new-managing-director/) - Responsible Finance member Finance For Enterprise, which has invested more than £50 million into SMEs in the last 10 years, has appointed Andrew Austwick as its new Managing Director.
- [CBILS Update - 11th May](https://responsiblefinance.org.uk/2020/05/cbils-update-11th-may/) - As of 11th May 2020, Responsible Finance can confirm that our members have lent £16.7 million to 315 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [CBILS Update - 4th May](https://responsiblefinance.org.uk/2020/05/cbils-update-4th-may/) - As of 4th May 2020, Responsible Finance can confirm that our members have lent £15.1 million to 290 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [CBILS Update - 27th April](https://responsiblefinance.org.uk/2020/04/cbils-update-27th-april/) - As of 27th April 2020, Responsible Finance can confirm that our members have lent £11.3 million to 260 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [Charities and financial inclusion bodies offer support to Government in delivery of emergency hardship funds](https://responsiblefinance.org.uk/2020/04/charities-and-financial-inclusion-bodies-offer-support-to-government-in-delivery-of-emergency-hardship-funds/) - Responsible Finance, Carnegie UK Trust, Turn2us, Yunus Centre for Social Business & Health, Centre for Responsible Credit, Finance Innovation Lab and Community Finance Solutions send joint letter to Chancellor Charities addressing poverty, financial inclusion campaigners, academics, researchers and affordable credit providers have addressed a joint letter to the Chancellor offering support to local authorities in
- [Joint Letter to the Chancellor: Affordable credit providers are ready to support local authorities to deliver immediate financial support to households at risk of slipping into destitution](https://responsiblefinance.org.uk/2020/04/joint-letter-to-the-chancellor-affordable-credit-providers-are-ready-to-support-local-authorities-to-deliver-immediate-financial-support-to-households-at-risk-of-slipping-into-destitution/) - Rishi Sunak MP Chancellor of the Exchequer House of Commons London SW1A 0AA 23rd April 2020 Dear Mr Rishi Sunak, Affordable credit providers are ready to support local authorities to deliver immediate financial support to households at risk of slipping into destitution We are writing to offer our support to
- [Responsible finance providers are ready to deliver emergency funding to small firms hit by the coronavirus crisis](https://responsiblefinance.org.uk/2020/03/responsible-finance-providers-are-ready-to-deliver-emergency-funding-to-small-firms-hit-by-the-coronavirus-crisis/) - Theodora Hadjimichael, CEO at Responsible Finance, commented: "Micro enterprises and SMEs are already being negatively impacted by the coronavirus (COVID-19), as their workforces, sales and supply chains are all affected. As the driver of the UK economy, small businesses were already under stress from flooding in many regions as well as uncertainty around trade post
- [Don't waste the opportunity to get things done, Chancellor - statement about the Budget for business](https://responsiblefinance.org.uk/2020/03/dont-waste-the-opportunity-to-get-things-done-chancellor-statement-about-the-budget-for-business/) - Our message to the Chancellor is not to waste an opportunity to get things done - and if he’s truly serious about doing whatever is necessary, ask responsible finance providers to help deliver these emergency financial support measures.
- [Open Letter to the Chancellor of the Exchequor: Vulnerable small businesses need additional targeted emergency loan funding delivered through responsible finance providers ](https://responsiblefinance.org.uk/2020/03/open-letter-to-the-chancellor-of-the-exchequor/) - The Rt Hon Rishi Sunak MP Chancellor of the Exchequer 1 Horse Guards Road Westminster SW1A 2HQ 17th March 2020 Dear Mr Rishi Sunak, Vulnerable small businesses need additional targeted emergency loan funding delivered through responsible finance providers The responsible finance industry offers its support to you at this time of crisis and we ask
- [Coronavirus Business Interruption Loan Scheme](https://responsiblefinance.org.uk/2020/03/coronavirus-business-interruption-loan-scheme/) - The Coronavirus Business Interruption Loan Scheme opens to businesses today (23 March), offering emergency financial support for SMEs and microenterprises vulnerable to an economic downturn as a result of the coronavirus pandemic.
- [CBILS update April 20](https://responsiblefinance.org.uk/2020/04/cbils-update-april-20/) - As of 20th April 2020, Responsible Finance can confirm that our members have lent £7 million to over 100 small businesses and microenterprises through the Coronavirus Business Interruption Loan Scheme.
- [Local lenders could address £100m funding gap through better CBILS](https://responsiblefinance.org.uk/2020/04/local-lenders-could-address-100m-funding-gap-through-better-cbils/) - Theodora Hadjimichael, Responsible Finance CEO, on how our inclusive members can make CBILS reach parts of the economy otherwise excluded The Coronavirus Business Interruption Loan (CBIL) Scheme continues to draw the opprobrium of some commentators, with reports of some businesses told by mainstream lenders they can’t access finance through a CBIL and others describing lengthy
- [AskIf appoints former CEO of Start Up Loans as Commercial Director](https://responsiblefinance.org.uk/2020/04/askif-appoints-former-ceo-of-start-up-loans-as-commercial-director/) - Responsible Finance supporter AskIf has appointed two new team members this month to aid delivery of CV-19 loans. Joanna Hill, former CEO of Start Up Loans, has been appointed as Commercial Director at AskIf, a Responsible Finance supporter and Accredited Lender under the Coronavirus Business Interruption Loan Scheme. Hill was instrumental in building the Start
- [BCRS appoints Stephen Deakin as new Chief Executive](https://responsiblefinance.org.uk/2020/04/bcrs-appoints-stephen-deakin-as-new-chief-executive/) - West Midlands-based Responsible Finance member BCRS Business Loans has appointed a new chief executive as it heralds another record year of lending. The alternative business lender has announced that Stephen Deakin will step up to the role of chief executive, taking over from founding member Paul Kalinauckas who retired at the end of March. Stephen
- [Responsible Finance calls for emergency funding for individuals being pushed into poverty by the coronavirus pandemic](https://responsiblefinance.org.uk/2020/03/responsible-finance-calls-for-emergency-funding-for-individuals-being-pushed-into-poverty-by-the-coronavirus-pandemic/) - Responsible Finance is calling for measures to ensure that vulnerable people and low-income families are not pushed into financial hardship - and into the hands of exploitative lenders – as a result the coronavirus pandemic. The government’s unprecedented action to protect the incomes of millions of low-income families are welcome and the government must now
- [Open Letter to the Chancellor of the Exchequor: The government must step up its support for individuals with targeted emergency loan and grant funding delivered through responsible finance providers](https://responsiblefinance.org.uk/2020/03/open-letter-to-the-chancellor-of-the-exchequor-the-government-must-step-up-its-support-for-individuals-with-targeted-emergency-loan-and-grant-funding-delivered-through-responsible-finance-providers/) - The Rt Hon Rishi Sunak MP Chancellor of the Exchequer 1 Horse Guards Road Westminster SW1A 2HQ 17th March 2020 Dear Mr Rishi Sunak, The government must step up its support for individuals with targeted emergency loan and grant funding delivered through responsible finance providers The responsible finance industry asks the government to act now
- [Local authorities should use responsible finance providers to help deliver the hardship fund to where it is needed most - statement about the budget for individuals](https://responsiblefinance.org.uk/2020/03/responsible-finances-response-to-the-budget-2020-500-million-hardship-fund/) - Today’s budget outlined a raft of welcome support to vulnerable individuals who may be at risk as a result of the coronavirus outbreak. Theodora Hadjimichael, chief executive of Responsible Finance, said: “The Chancellor Rishi Sunak announced a pioneering £500 million hardship fund for local authorities to support vulnerable people in their areas. Our message to local
- [Emergency funding is needed for low-income and gig-economy workers in the wake of the coronavirus outbreak](https://responsiblefinance.org.uk/2020/03/emergency-funding-is-needed-for-low-income-and-gig-economy-workers-in-the-wake-of-the-coronavirus-outbreak/) - Theodora Hadjimichael, CEO at Responsible Finance, commented: "The coronavirus (COVID-19) outbreak presents a significant challenge to UK workers. At least 20% of the workforce - over 5 million self-employed people and at least 1.5 million individuals with low-income jobs - stand to gain nothing from the government’s pledge to give coronavirus-hit workers statutory sick pay
- [Post-Brexit investment in UK SMEs is vital to ‘level-up’ the regions and increase productivity](https://responsiblefinance.org.uk/2020/03/post-brexit-investment-in-uk-smes-is-vital-to-level-up-the-regions-and-increase-productivity/) - The EU’s European Regional Development Fund has been critical to the effective regeneration of regions across the UK. Its coherence and longevity have been key to its success. EU funding and instruments have been instrumental for CDFIs in enabling them to grow their SME lending and increase their offering of advice and support services to
- [An equal world is an enabled world: why we want to forge a gender equal world to enable women entrepreneurs to thrive!](https://responsiblefinance.org.uk/2020/03/an-equal-world-is-an-enabled-world-why-we-want-to-forge-a-gender-equal-world-to-enable-women-entrepreneurs-to-thrive/) - This International Women’s Day we’re celebrating female entrepreneurship. Responsible finance providers lend to entrepreneurs who are unable to access mainstream finance; creating opportunities and supporting job creation. In 2019, 40% of responsible finance loans went to women-led businesses, and the sector is striving to do more. The ratio of female entrepreneurs to male entrepreneurs is
- [Responsible Finance unites with MPs and industry groups to secure access to cash](https://responsiblefinance.org.uk/2020/03/responsible-finance-unites-with-mps-and-industry-groups-to-secure-access-to-cash/) - Responsible Finance has united with ACS, the British Retail Consortium, Federation of Small Businesses and Positive Money to urge the Chancellor to use next week’s Budget to secure long-term access to cash across the UK. 16 Conservative MPs have supported action on access to cash in a private letter to the Chancellor submitted today (Thursday
- [From record-breaking athlete to zero-hours contract to founding sport social enterprise](https://responsiblefinance.org.uk/2020/03/from-record-breaking-athlete-to-zero-hours-contract-to-founding-sport-social-entreprise/) - Imagine yourself on a zero-hours contract, leaving home early in the morning to deliver a sports therapy session. By the time you've spent several hours traveling to the place which booked the session - at your own expense - it's been cancelled. And you don't get paid. Now imagine making that journey in a wheelchair.
- [Scaling up the UK personal lending CDFI sector report welcomed](https://responsiblefinance.org.uk/2020/03/scaling-up-the-uk-personal-lending-cdfi-sector-report-welcomed/) - Report: How, and can, a 10x increase of operationally sustainable lending could be achieved by CDFIs in the UK within 10 years. The Carnegie UK Trust has published new research by Community Finance Solutions, University of Salford examining how the Community Development Finance Institution (CDFI) sector can achieve a step change in growth to make
- [Responsible Finance responds to the BBB Small Business Finance Markets report](https://responsiblefinance.org.uk/2020/02/responsible-finance-responds-to-the-bbb-small-business-finance-markets-report/) - We welcome the latest British Business Bank Small Business Finance Markets report. Appropriate provision of small business finance is vital as the UK exits the EU and the economy adapts to the new opportunities and challenges this brings. Whilst flows of bank lending have remained relatively flat, the report finds there has been significant growth
- [Social enterprises need access to finance to help rebalance the UK economy](https://responsiblefinance.org.uk/2020/02/social-enterprises-need-access-to-finance-to-help-rebalance-the-uk-economy/) - In the UK 100,000 social enterprises report access to finance is a barrier to their growth and development. In response, last week Lord Victor Adebowale launched a new Commission on Social Investment to look at how we can improve access to finance for social enterprises. Social enterprises are key to the UK economy. They work
- [Responsible finance providers are a vital source of unsecured credit for low-income households](https://responsiblefinance.org.uk/2020/02/responsible-finance-providers-are-a-vital-source-of-unsecured-credit-for-low-income-households/) - There is widespread recognition that the provision of unsecured credit is an essential service for many households to allow them to smooth the effects of fluctuating income and expenditure; responsible finance providers work to create a society where regardless of income, all households have access to appropriate financial services. In the UK 18.7 million individuals
- [Responsible Finance responds to a new report on the scale and impact of appliance poverty](https://responsiblefinance.org.uk/2020/01/responsible-finance-respond-to-a-new-report-on-the-scale-and-impact-of-appliance-poverty/) - Responsible Finance responds to a new report from Turn2Us which showed over two million households – 4.8 million people – are living without at least one essential household appliance. The statistics in this report paint a stark picture of the scale of appliance poverty and its cost to vulnerable people of living without the basics;
- [Responsible Finance responds to National Audit Office Report on business support](https://responsiblefinance.org.uk/2020/01/responsible-finance-respond-to-national-audit-office-report-on-business-support/) - Responsible Finance responds to a National Audit Office that has warned that Government support for business is fragmented, which could make replacing EU development funds more difficult after Brexit. Now that a pathway to Brexit is confirmed, businesses need stability and certainty during the transitionary period. The NAO report that the business support landscape is
- [Responsible Finance welcomes the Money and Pension Service’s coherent strategy for a financially healthy nation](https://responsiblefinance.org.uk/2020/01/responsible-finance-welcomes-the-money-and-pension-services-coherent-strategy-for-a-financially-healthy-nation/) - Responsible Finance welcomes the Money and Pension Service’s (MaPS) timely and coherent strategy for a financially healthy nation. Responsible Finance states: In the UK real earnings have stalled and working-age households in receipt of benefits have seen significant falls in income over the past year. At the same time, 11.5 million people have less than £100
- [ART seeks funds to support more local businesses](https://responsiblefinance.org.uk/2020/01/art-seeks-funds-to-support-more-local-businesses/) - ART Business Loans is a Birmingham loan provider with a proud 22-year track record set up initially to help deprived inner city areas abandoned by banks has become a victim of its own success – due to burgeoning demand. The organisation, which has helped around 1,400 West Midlands businesses, from Michelin starred Purnells Restaurant to
- [Responsible finance providers are key to the UK’s shift to a sustainable economy](https://responsiblefinance.org.uk/2020/01/responsible-finance-providers-are-key-to-the-uks-shift-to-a-sustainable-economy/) - There is a growing consensus that the success of our move towards sustainable development and net-zero relies upon an increase in finance for the just transition. The just transition is a ‘transition which delivers a resilient and zero-carbon economy that is fair for all’[1]. This means that as the UK transitions to a sustainable economy,
- [Interview with ethical, sustainable and award winning textiles manufacturer, Kalopsia - podcast](https://responsiblefinance.org.uk/2019/12/interview-with-ethical-sustainable-and-award-winning-textiles-manufacturer-kalopsia/) - In one of the worst-offending industries for landfill and modern slavery, Kalopsia proves you can make products more ethically and minimise environmental impact. A batch manufacturer of textiles, apparel and accessories, Kalopsia is a social enterprise which started as an artistic collective and morphed into a textile producing community interest company. It makes exciting products
- [£200m lent to individuals, businesses and social enterprises in 2019](https://responsiblefinance.org.uk/2019/12/200m-lent-to-individuals-businesses-and-social-enterprises-in-2019/) - The UK’s ethical “responsible finance” sector lent £200 million to 40,000 businesses, social enterprises and individuals in 2019, creating and protecting 13,800 jobs, according to new figures published in our Annual Industry Report today.
- [Good growth for cities is bolstered by the responsible finance industry](https://responsiblefinance.org.uk/2019/11/good-growth-for-cities-is-bolstered-by-the-responsible-finance-industry/) - SMEs in all regions of the UK need access to finance so they can contribute to local regeneration, employment, innovation and social cohesion. By providing finance to underserved and excluded SMEs, responsible finance providers create a more inclusive financial services system and power the engine of the UK economy. This week, PwC released its Good
- [Scaling Up Community Investment in the UK Report welcomed](https://responsiblefinance.org.uk/2019/11/scaling-up-community-investment-in-the-uk-report-welcomed/) - A new report sets out how responsible finance providers - enterprise-lending community development finance institutions - could increase their lending to £250 million annually to underserved small businesses if the right support is in place.
- [£50 million milestone for BCRS](https://responsiblefinance.org.uk/2019/11/50-million-milestone-for-bcrs/) - Responsible Finance member BCRS Business Loans has surpassed a landmark £50 million of lending since 2002, and supported 1,450 small and medium sized businesses across the West Midlands.
- [Open for Entries NOW - The Citi Microentrepreneurship Awards 2019/20](https://responsiblefinance.org.uk/2019/11/open-for-entries-now-the-citi-microentrepreneurship-awards-2019-20/) - The 2019/20 Citi Microentrepreneurship Awards are open for entries from responsible finance providers and their clients now. We are delighted to be partnering with the Citi Foundation once again to bring the global Citi Microentrepreneurship Awards to the UK. The awards celebrate the impact and achievements of responsible finance providers on the people and places
- [Glasgow Wood Recycling's Peter Lavelle - a sustainable social enterprise success story](https://responsiblefinance.org.uk/2019/10/glasgow-wood-recyclings-peter-lavelle-a-sustainable-social-enterprise-success-story/) - Glasgow Wood Recycling has prevented over four thousand of tonnes of wood from being wasted, has provided exceptional training to hundreds of people and has 19 employees and 45 volunteers. In this episode, Peter Lavelle covers engaging and looking after volunteers, securing appropriate customers, staying true to your values, winning the Citi Microentreprenuership Award for Sustainability and working with a responsible finance provider.
- [The affordable credit challenge: why FinTechs and the responsible finance industry must work together to innovate](https://responsiblefinance.org.uk/2019/03/the-affordable-credit-challenge-why-fintechs-and-the-responsible-finance-industry-must-work-together-to-innovate/) - Open Banking, the data revolution, fintech innovation and smart phone penetration are all changing the way customers interact with financial services. Responsible finance providers are innovating, and want to innovate further. We are calling on FinTech’s to partner with the responsible finance industry on the government’s £2 million affordable credit challenge fund. Across the UK,
- [Fredericks becomes signatory to Investing in Women Code](https://responsiblefinance.org.uk/2019/08/fredericks-becomes-signatory-to-investing-in-women-code/) - Responsible Finance member, Fredericks Foundation, has been announced as a code signatory to the Investing in Women Code.
- [Affordable Credit Challenge Prize: cash to develop innovative fintech partnerships](https://responsiblefinance.org.uk/2019/08/affordable-credit-challenge-prize-cash-to-develop-innovative-fintech-partnerships/) - The Affordable Credit Challenge will support partnerships between UK community lenders and fintechs to develop innovative technological solutions that will increase access to affordable, responsible credit.
- [BEF's £31m boost to regional economy](https://responsiblefinance.org.uk/2019/08/befs-31m-boost-to-regional-economy/) - BEF's new 2018-19 Social Impact report demonstrates its lending has had an enormous, positive effect for businesses, individuals and communities.
- [School's out for the summer – but what happens to struggling families?](https://responsiblefinance.org.uk/2019/07/schools-out-for-the-summer-but-what-happens-to-struggling-families/) - The summer holidays bring extra financial costs to families, and for those who are already struggling it can lead them to take out exploitative high cost credit. Responsible finance providers help families to smooth fluctuations in their income and expenditure, and can offer a helping hand to struggling families at times of increased expenditure. Poverty
- [Podcast: How Open Banking could enable financial inclusion](https://responsiblefinance.org.uk/2019/06/podcast-how-open-banking-could-enable-financial-inclusion/) - What is Open Banking and how can it help people who are financially vulnerable and financially excluded, including people who are unbanked? How can it enable Responsible Finance providers and what should they be thinking about? Faith Reynolds explains in our latest podcast episode.
- [Responsible Finance's podcast launched](https://responsiblefinance.org.uk/2018/05/the-responsible-finance-podcast-launches/) - Responsible finance providers all over the UK lend to people, businesses and social enterprises. They provide finance that is fair to customers alongside support and advice, and in 2017 lent over £235 million to 61,163 customers, supporting 5,072 small businesses, 363 social enterprises and over 55,000 individuals. In the Responsible Finance podcast we meet some
- [Podcast episode 4 – Charlotte Purdie, The Milk Lounge](https://responsiblefinance.org.uk/2018/05/podcast-episode-4-charlotte-purdie-the-milk-lounge/) - Charlotte Purdie was a new parent with a problem. There was nowhere to go with the right facilities to enable her to feed her baby. So Purdie – then 21 – did something about it. She launched The Milk Lounge, a cafe in Nottingham with fantastic, family friendly features. From clean and spacious changing rooms,
- [Podcast 5: Stephen Henderson, Ruach Music](https://responsiblefinance.org.uk/2018/06/podcast-5-stephen-henderson-ruach-music/) - From hobby business to supplying musicians all over the world for 23 yr old entrepreneur Stephen Henderson's business journey began at 16 when he discovered the cajon (a traditional percussion instrument) at a party. The keen musician and woodworker yearned for one of his own and got his tools out. With some wood left over,
- [Podcast 6: Michael Sheen and Jennifer Tankard](https://responsiblefinance.org.uk/2018/06/podcast-6-michael-sheen-and-jennifer-tankard/) - Actor and activist Michael Sheen launched the End High Cost Credit Alliance at Responsible Finance 2018. The Alliance seeks to make affordable fair finance mainstream and support providers and customers. This episode features Sheen's speech highlighting the Alliance's pragmatic and collaborative approach. "I’m in this for the long haul," says Sheen, describing the problems caused
- [Podcast episode 7: resilience and consistency with Elaine Rimmer](https://responsiblefinance.org.uk/2018/06/podcast-episode-7-resilience-and-consistency-with-elaine-rimmer/) - Lancashire Community Finance was recognised earlier this year for its resilience and consistency in delivery of access to finance. It provides personal, home improvement and startup loans and reaches clients "even harder to reach than the average" in the responsible finance sector. Elaine talks about how this small organisation, rooted in its local community,
- [Podcast episode 8: launching and scaling a luxury chocolate business with a mission](https://responsiblefinance.org.uk/2018/07/podcast-episode-8-launching-and-scaling-a-luxury-chocolate-business-with-a-mission/) - The co-founder of Harry Specters describes why the award-winning chocolate firm was launched, its development, and how responsible finance through our member Foundation East contributed. Shaz Shah is co-founder of Harry Specters, a business which makes lovingly handcrafted chocolates. Its products have won 22 Awards for their taste and quality. It’s also a business with
- [Podcast: Sophie Maxwell, The Really NEET Project](https://responsiblefinance.org.uk/2018/08/podcast-sophie-maxwell-the-really-neet-project/) - Sophie Maxwell is the founder of The Really NEET Project, a college which works with vulnerable young people aged 16 to 24. In 2009 Sophie left University and began running projects in secondary schools with excluded pupils. That led to national awards, including from homelessness charity CRISIS and she set up the first Really NEET
- [Podcast: Jo Hercberg, The Real Junk Food Project Sheffield](https://responsiblefinance.org.uk/2018/10/podcast-jo-hercberg-the-real-junk-food-project-sheffield/) - The social entrepreneur saving tonnes of great food from being wasted Our popular podcast is back for the Autumn and we hope you'll enjoy this brand new episode. Jo Hercberg founded and runs The Real Junk Food Project Sheffield, a social enterprise which saves six tonnes of great food from being wasted every week. The
- [Podcast: Democratizing Finance author Clifford N. Rosenthal](https://responsiblefinance.org.uk/2019/01/podcast-democratizing-finance-author-clifford-rosenthal/) - Jennifer Tankard interviews Cliff Rosenthal who has been an influential leader in the United States' community finance movement for two decades.
- [Podcast: Kath Austin, BeeBee Wraps](https://responsiblefinance.org.uk/2019/03/podcast-kath-austin-beebee-wraps/) - From kitchen table business to employer of ten and featured on the front page of national newspapers: BeeBee Wraps makes compostable food-wrappers from organic cotton, tree resin, British beeswax and organic jojoba oil.
- [Podcast: Fintech, innovation and responsible finance - Danyal Sattar, Big Issue Invest](https://responsiblefinance.org.uk/2019/04/podcast-fintech-innovation-and-responsible-finance-danyal-sattar-big-issue-invest/) - The Magic Roundabout, banknotes you had to write your name on, micro-lending in 1542 and slurping up energy to create cryptocurrency. There's plenty to think about in this new episode of our popular podcast series.
- [Podcast: Neil Kadagathur, Creditspring](https://responsiblefinance.org.uk/2019/02/podcast-neil-kadagathur-creditspring/) - Neil Kadagathur is CEO and co-founder of Creditspring, which he describes as a "new type of credit product designed for people with limited savings specifically for unexpected expenses." Creditspring launched in September 2018 and at the time of recording this podcast has 1000 members. The firm is a Responsible Finance member – and has made
- [Podcast: Faisel Rahman on intelligent product design, commercial and social rigour, ambition and customer service](https://responsiblefinance.org.uk/2018/07/podcast-faisel-rahman-on-intelligent-product-design-commercial-and-social-rigour-ambition-and-customer-service/) - Faisel Rahman is CEO and founder of Fair Finance, a social enterprise tackling financial exclusion which has built a reputation for entrepreneurial growth, social and commercial rigour. Faisal talks about how working with Grameen and the World Bank in Bangladesh sowed a seed that led to the launch of Fair Finance, and describes how
- [Responsible Finance's 2019 Manifesto](https://responsiblefinance.org.uk/2019/05/responsible-finances-2019-manifesto/) - Following elections to the European Parliament, intensive negotiations are now underway about the allocation of key portfolios and future priorities. Climate change is one issue likely to get increased attention with the rise of MEPs from Europe’s Greens, who will push for urgent climate action and social justice. It is essential that sight is not
- [Blog: Turning Social Enterprises into engines of economic growth and social development](https://responsiblefinance.org.uk/2019/04/blog-turning-social-enterprises-into-engines-of-economic-growth-and-social-development/) - Last month, the Cabinet Office Parliamentary Secretary Oliver Dowden announced the government’s plans to create more social value from £49bn worth of public sector contracting in line with the Social Value Act and with the Civil Society Strategy. The new scheme, created in partnership with Claire Dove, Crown Representative of the Voluntary, Community and Social
- [BCRS Business Loans Records Best-Ever Year](https://responsiblefinance.org.uk/2019/04/bcrs-business-loand-records-best-ever-year/) - Our member BCRS Business Loans is celebrating a “phenomenal” year as its support for small businesses in the West Midlands surged with a thirty-eight per cent growth in lending. BCRS Business Loans lent a massive £7.2 million in the last financial year as part of its aim ‘to leave no viable business unsupported.’ Confirmed as
- [BEF named as a top social enterprise within the UK](https://responsiblefinance.org.uk/2019/04/bef-named-as-a-top-social-enterprise-within-the-uk/) - Our member Business Enterprise Fund is one of the top 100 social enterprises in the UK, according to this year's NatWest SE100 Index. The index celebrates the growth, impact, leadership and resilience of social ventures in the UK – naming the most impressive 100 social enterprises of the year. The 2019 NatWest SE100 Index was
- [Simon Jackson joins Responsible Finance Board](https://responsiblefinance.org.uk/2019/04/simon-jackson-joins-responsible-finance-board/) - Responsible Finance is pleased to welcome Simon Jackson, Head of Investment at BEF (Business Enterprise Fund) to the Board of Directors.
- [Citi Microentrepreneurship Awards 2019: Winners Announced](https://responsiblefinance.org.uk/2019/03/citi-microentrepreneurship-awards-2019-winners-announced/) - Four outstanding businesses were each awarded a £7,500 prize in this year’s Citi Microentrepreneurship Awards, delivered in partnership by Responsible Finance and the Citi Foundation.
- [How responsible finance providers can incorporate customer surveys and online reviews into their marketing and communications activities](https://responsiblefinance.org.uk/2019/03/how-responsible-finance-providers-can-incorporate-customer-surveys-and-online-reviews-into-their-marketing-and-communications-activities/) - A common fallacy is to assume that if your business or organisation is brilliant at what it does, and it’s something which creates social impact, your ideal customers will come knocking on your door. Any responsible finance providers (community development finance institutions) which fall into this trap aren’t alone. Plenty of tech startups, app developers,
- [The 5 Ss of governance provide a framework for boards to engage with and understand the SM&CR](https://responsiblefinance.org.uk/2019/03/the-5-ss-of-governance-provide-a-framework-for-boards-to-engage-with-and-understand-the-smcr/) - No one disputes the importance of good governance. It is seen as key to ensuring that organisations are effective by providing checks and balances, strategic overview and additional skill sets to complement the staff. In fact American author, journalist and researcher Rebecca MacKinnon summarises this nicely by saying ‘governance is a way of organizing, amplifying and constraining
- [Demand for payday loans isn’t going away. We need to scale and market responsible finance.](https://responsiblefinance.org.uk/2019/01/demand-for-payday-loans-isnt-going-away-we-need-to-scale-and-market-responsible-finance/) - This month, for the first time the Financial Conduct Authority (FCA) released figures on the high-cost short-term credit market (HCSTC), and they paint a worrying picture. HCSTC (usually in the form of a payday loan) has been increasing since 2016 despite a reduction in the number of lenders. £1.3 billion was lent in 5.4 million
- [Paul Kalinauckas appointed new Chair of Responsible Finance](https://responsiblefinance.org.uk/2019/01/paul-kalinauckas-appointed-new-chair-of-responsible-finance/) - Responsible Finance has appointed Paul Kalinauckas as its new Chair. Kalinauckas, 64, is Chief Executive of Wolverhampton-based BCRS Business Loans, a responsible finance provider which he co-founded in 2002 after a career leading and launching a number of businesses. Responsible Finance providers, also known as community development financial institutions, lend to financially excluded individuals and
- [£19m jump in responsible finance lending to financially-excluded individuals, businesses and social enterprises](https://responsiblefinance.org.uk/2018/12/19m-jump-in-responsible-finance-lending-to-financially-excluded-individuals-businesses-and-social-enterprises/) - The UK’s ethical “responsible finance” sector grew by 8% (£19 million) in 2018, according to new figures published today. Responsible finance providers helped tens of thousands of financially vulnerable people to avoid borrowing from high-interest lenders. They also supported thousands of credit-worthy businesses and social enterprises rejected by or unable to access finance from mainstream
- [Finalists revealed in UK’s most exciting and generous awards for micro and social entrepreneurs](https://responsiblefinance.org.uk/2018/12/finalists-revealed-in-uks-most-exciting-and-generous-awards-for-micro-and-social-entrepreneurs/) - 07.12.2018 An organic beeswax alternative to single-use plastic, a thriving city centre village of enterprises created from upcycled shipping containers and a glamping site where people can relax in a Mongolian-style yurt are three of the "exceptional" finalists for the Citi Microentrepreneurship Awards, funded by the Citi Foundation. The twelve micro and social enterprises have
- [European-wide collaboration and partnership announced](https://responsiblefinance.org.uk/2018/12/european-wide-collaboration-and-partnership-announced/) - New mandate for cross-European collaboration agreed 04 December 2018 Organisations representing microfinance organisations sign partnership agreement The Microfinance Centre, a resource centre and network uniting 112 organisations across 36 countries of Europe, Central Asia and beyond, and Responsible Finance, the voice of the Responsible Finance industry working to increase access to fair finance throughout the
- [Scaling Affordable Lending: Case Studies](https://responsiblefinance.org.uk/2018/06/scaling-affordable-lending-case-studies/) - The vision of affordable lenders is that everyone should have access to affordable and appropriate credit, delivered in a fair, respectful and responsible way. Affordable lenders are social purpose lenders, such as responsible finance providers and credit unions. Their vision is gaining traction as levels of problem debt as a result of borrowing from high
- [Responsible finance providers are role models for how to treat customers who experience vulnerability](https://responsiblefinance.org.uk/2018/11/responsible-finance-providers-are-role-models-for-how-to-treat-customers-who-experience-vulnerability/) - 17% of UK adults have low financial capability, 30% have low financial resilience, 19% of consumers say a major life event has happened to them or their partner in the last 12 months and 5% of UK adults say their ability to carry out day to day tasks is reduced a lot by health conditions
- [Rewarding good business and sustainable development: £80,000 available in microentrepreneurship awards](https://responsiblefinance.org.uk/2018/10/rewarding-good-business-and-sustainable-development-80000-available-in-microentrepreneurship-awards/) - Microentrepreneurs in the UK can win “transformative” financial prizes in the Citi Microentrepreneurship Awards, now open for applications. The UK’s most exciting awards for microentrepreneurs return to the UK to celebrate the impact and achievements of responsible finance providers and the inspiring entrepreneurs they support. The Awards put the spotlight on an enterprising industry by
- [Woe for Wonga, opportunity for Responsible Finance](https://responsiblefinance.org.uk/2018/09/woe-for-wonga-opportunity-for-responsible-finance/) - After weeks of turmoil Wonga, the payday lender that came to symbolise Britain’s household debt crisis, collapsed into administration recently. Many people in or supportive of the responsible finance industry have welcomed its demise (with much sympathy expressed for folk who are losing jobs). However, it is important to remember why Wonga became successful in
- [Cashing in on campaign momentum: the need to ensure access to cash is protected](https://responsiblefinance.org.uk/2018/08/cashing-in-on-campaign-momentum-the-need-to-ensure-access-to-cash-is-protected/) - Cashing in on campaign momentum: the need to ensure access to cash is protected. Many ATM operators and consumers breathed a deep sigh of relief this month when LINK, the U. K’s primary ATM network, announced it was cancelling one of its planned cuts to interchange fees and postponing the fourth and final one. Such
- [Should we accept open banking with open arms? Open banking and its potential for the responsible finance sector](https://responsiblefinance.org.uk/2018/07/should-we-accept-open-banking-with-open-arms-open-banking-and-its-potential-for-the-responsible-finance-sector/) - ‘Open banking’, which came into effect in January 2018, is a series of reforms which will change the way banks deal with consumers’ financial information. Called for by competition watchdog, the Competition and Markets Authority (CMA), it stipulates that the CMA9 – the eight largest banks in the UK (and building society Nationwide) – will
- [CDFIs filling in for market failure](https://responsiblefinance.org.uk/2009/03/cdfis-filling-in-for-market-failure/) - I'm delighted to say that we feature on the Guardian's Comment is Free website today with an article responding to the New Economics Foundation's new report, I.O.U.K
- [It's no conundrum - CDFIs are increasing momentum](https://responsiblefinance.org.uk/2010/12/cdfis-are-increasing-momentum/) - It’s all go, go ,go! It’s a conundrum of the world that I work in that nothing much happens for months at a time, then everything happens at once, with deadlines flying about in all directions. It is like that at the moment: there are loads of things going on all at once. The good
- [United we stand, divided we fall](https://responsiblefinance.org.uk/2010/12/united-we-stand-divided-we-fall/) - Of course the sector is diverse. It needs to be. It is addressing thousands of customers with a myriad of issues.
- [We need full disclosure to fully understand unmet need for finance](https://responsiblefinance.org.uk/2012/03/disclosure/) - Ben Hughes, CDFA's chief executive, today reacted positively to a new Private Member's Bill calling for greater disclosure in the banking system. 370,000 businesses, 3,300 social enterprises and 3 million individuals face ‘financial exclusion’. To serve them, we have to know who they are and where they are.
- [Give it back, George: CITR needs to be extended, not capped](https://responsiblefinance.org.uk/2012/04/give-it-back-george-citr-needs-to-be-extended-not-capped/) - Community Investment Tax Relief should be extended, not capped. CDFA says including CITR in the tax relief cap will suppress social investment and voices its support for the Give it Back, George campaign.
- [Financial Services Bill amendment: support community reinvestment in the UK](https://responsiblefinance.org.uk/2012/06/financial-services-bill-amendment-support-community-reinvestment-in-the-uk/) - CDFA has drafted a letter to Lord Sassoon asking him to support Lord Sharkey’s ‘deprived communities’ amendment to the Financial Services Bill - and we need your support.
- [UK business: ambitions up, capital down, says survey](https://responsiblefinance.org.uk/2012/09/uk-business-ambitions-up-capital-down-says-survey/) - 08.09.12 The Investec Entrepreneur Confidence Index shows encouraging ambitions for business growth - but found that only six per cent of respondents to a survey expected accessing capital for their growth plans to be easy.
- [New scheme launched to help underwrite community share issues](https://responsiblefinance.org.uk/2012/09/new-scheme-launched-to-help-underwrite-community-share-issues/) - 10.09.2012 A new revolving fund of £500,000 has been launched to help underwrite community share issues.
- [One in four 18-24 year olds likely to seek a payday loan](https://responsiblefinance.org.uk/2012/11/one-in-four-18-24-year-olds-likely-to-seek-a-payday-loan/) - The number of British adults who say they are likely to seek a payday loan in the next six months has risen from 3.5 million individuals to 5 million since this time last year, with 26% of the 18-24 age group likely to do so.
- [‘Mind the Finance Gap’ – We Need to Work Together to Fill It](https://responsiblefinance.org.uk/2013/02/mind-the-finance-gap-we-need-to-work-together-to-fill-it/) - Guest blog by Dr Steve Walker With access to finance for small businesses remaining a hot topic, it is good to see the publication of a bank-supported, comprehensive, study of the marketplace.
- [Banking the unbankable](https://responsiblefinance.org.uk/2013/06/banking-the-unbankable/) - More and more firms are slipping into the category of ‘the unbankable’. But there is light – and money – at the end of the tunnel for these businesses.
- [Put your money on the high street](https://responsiblefinance.org.uk/2013/06/put-your-money-on-the-high-street/) - Our high streets don’t look like they once did. They're now full of bookmakers, pawn shops and payday lenders.
- [At the vanguard of a new kind of economics](https://responsiblefinance.org.uk/2013/06/at-the-vanguard-of-a-new-kind-of-economics/) - Community Economics is a model that harnesses the skills, knowledge and capability present in all communities; it has the potential to bridge the gap between rich and poor that current, free market economics create, and that we know is failing an increasing percentage of the population denied access to the finance needed to create jobs, opportunity and capability.
- [Charities and social investment](https://responsiblefinance.org.uk/2013/06/charities-and-social-investment/) - With the current focus on growing and diversifying the social investment market, particularly in London and the South East, we may risk overlooking the particular experience of charities in taking social investment. ‘Charities and Social Investment’ , a report commissioned by the Charity Commission for England and Wales from the Institute for Voluntary Action Research and written by Leila Baker and Niamh Goggin, provides an insight into the barriers and risks facing charities receiving social investment.
- [Lending, lending, lending...](https://responsiblefinance.org.uk/2013/06/lending-lending-lending/) - It’s been a busy time for our business-focused CDFIs. They’ve been posting record lending figures, helping more small firms than ever.
- [Money, mentoring and mission](https://responsiblefinance.org.uk/2013/07/money-mentoring-and-mission/) - A fitness fanatic achieves his business dream thanks to a Start-Up Loan
- [Investing in community finance would help church put Wonga out of business](https://responsiblefinance.org.uk/2013/07/investing-in-community-finance-would-help-church-put-wonga-out-of-business/) - CDFIs have a business model that is specifically designed to deliver financial and social returns. They are well placed to offer the ‘win-win’ the Church is looking for in terms of financial returns with a clear conscience.
- [A new Start and a new baby, supported by responsible finance](https://responsiblefinance.org.uk/2015/08/a-new-start-and-a-new-baby-supported-by-responsible-finance/) - A single parent gets an affordable loan to help clear debts and buy essential baby goods Louise is a single parent from Middlesbrough who had suffered from domestic violence. The violence had also led to Louise accruing a large amount of debt as her ex-partner had cancelled all of the payments for the household bills
- [Car salesman goes from bankruptcy to running multi-million pound company with backing of responsible finance provider](https://responsiblefinance.org.uk/2015/08/car-salesman-goes-from-bankruptcy-to-running-multi-million-pound-company-with-backing-of-responsible-finance-provider/) - Charles Sumner set up NottinghamCar.com in October 2010 to supply affordable, quality used cars in Nottingham. After his previous business failed he struggled to find finance, but was able to take a loan of £20,000 from responsible finance provider First Enterprise Business agency. He used the money to buy his first six cars, and by
- [Bakers takes off with support of responsible finance](https://responsiblefinance.org.uk/2015/10/bakers-takes-off-with-support-of-responsible-finance/) - Allison Whitmarsh is the woman behind handmade bakers ‘ProperMaid’. Since 2008 Allison has put her experience in food manufacturing to use and taken her business from strength to strength, receiving backing from Dragon Deborah Meaden in 2012, and more recently from her local responsible finance provider. Delivering innovative cakes across the country to clients such
- [Training more dogs to sniff out cancer](https://responsiblefinance.org.uk/2015/10/training-more-dogs-to-sniff-out-cancer/) - Medical Detection Dogs aims to train specialist dogs to detect the odour of human disease. Based in Great Horwood, the charity works in partnership with researchers, NHS Trusts and Universities. The charity arose from a passionate belief in the ability of a dog’s sense of smell to benefit medical research. The charity trains medical alert
- [A responsible personal loan helps Glasgow grandmother take control of her finances](https://responsiblefinance.org.uk/2015/10/a-responsible-personal-loan-helps-glasgow-grandmother-take-control-of-her-finances/) - Grandma Hannah McKay, 68, was introduced to responsible finance provider Scotcash six years ago. Their affordable credit service has made a huge difference to her life, ending her dependence on high cost borrowers and getting her finances under control. Hannah said: "I've got three daughters and I started using the Provident and Shopacheck to get
- [Key Fund's Economic Impact impresses judges in Citi Microentrepreneurship Award](https://responsiblefinance.org.uk/2016/03/key-funds-economic-impact-impresses-judges-in-citi-microentrepreneurship-award/) - Key Fund named as winner of the Economic Impact category (for large providers) in 2016 Citi Microentrepreneurship Awards Think the “banks won’t lend” and Yorkshire folk are tight? A Sheffield-based lender dispels those myths by providing responsible finance, and this week won a national Award – and £15,000 – in recognition of their impact. Don’t
- [Recycling firm launches new manufacturing facility with help of responsible finance](https://responsiblefinance.org.uk/2015/10/recycling-firm-launches-new-manufacturing-facility-with-help-of-responsible-finance/) - A recycling and waste management business is launching a new manufacturing facility with funding from responsible finance provider Merseyside Special Investment Fund (MSIF). Jem Recycling & Waste Management Limited provides comprehensive waste and recycling services to dispose of packaging, office and hazardous waste. Services include waste segregation and disposal, facilities management and the provision of
- [Small business lending figures no comfort to many businesses](https://responsiblefinance.org.uk/2016/02/small-business-lending-figures-no-comfort-to-many-businesses/) - The recuperation continues. Retail bankers – for several years a convenient pantomime villain of the press – received plaudits this week after the British Business Bank’s Small Business Finance Markets Report revealed that lending to small and medium-sized businesses is growing for the first time since the recession. But the figures also show a continuing problem: businesses of less than 50 employees are still struggling to borrow.
- [Baker proves Lancs Lender has ‘yeast’ that businesses knead](https://responsiblefinance.org.uk/2016/03/baker-proves-lancs-lender-has-yeast-that-businesses-knead/) - From a little cash to a lot of dough – Baker proves Lancs Lender has ‘yeast’ that businesses knead Lancashire Community Finance is the winner of the Economic Impact category (for small responsible fionance providers) in 2016 Citi Microentrepreneurship Awards - giving them national recognition and a £15,000 prize. When Robert D’Orville, an experienced baker,
- [Win for Homes for Good in Citi Microentrepreneurship award](https://responsiblefinance.org.uk/2016/03/win-for-homes-for-good-in-citi-microentrepreneurship-award/) - Susan Aktemel of Homes for Good Community Interest Company named as the winner of the Social Microentrepreneur of the Year Award – and a £5,000 prize – in the 2016 Citi Microentrepreneurship Awards For many, the business of running lettings agencies conjures thoughts of unfettered capitalism gone wild. Excessive charges for credit checks, registration, contracts
- [Leeds’ OPAL ‘jewel in the crown’ for sustainability in Citi Microentrepreneur Award](https://responsiblefinance.org.uk/2016/03/leeds-opal-jewel-in-the-crown-for-sustainability-in-citi-microentrepreneur-award/) - Ailsa Rhodes of The OPAL Project has been named the winner of the Microentrepreneur of the Year (Sustainability) Award in 2016 Citi Microentrepreneurship Awards – taking £5,000 prize When a project helping to reduce loneliness and isolation for over 700 older people a year faced uncertainty about their premises, it could have spelled the end.
- [Wales green finance provider gets win in Citi Microentrepreneurship award](https://responsiblefinance.org.uk/2016/03/wales-green-finance-provider-gets-win-in-citi-microentrepreneurship-award/) - Robert Owen Community Banking Fund named as - Winner, Social & Community Impact in 2016 Citi Microentrepreneurship Awards, taking £15,000 prize in prestigious UK Award scheme When a Welsh community wanted to raise £1m to fund the development of a hydro-electric energy scheme, they turned to a responsible finance provider, the Robert Owen Community
- [From “am I too young to start my own business” to win in Citi Microentrepreneurship awards](https://responsiblefinance.org.uk/2016/03/from-am-i-too-young-to-start-my-own-business-to-win-in-citi-microentrepreneurship-awards/) - Callum Murray of Yarm Butchers named as winner of Young MicroEntrepreneur of the Year in 2016 Citi Microentrepreneurship Awards - and takes home £5,000 prize When the only high street butcher in Yarm, near Stockton-on-Tees, retired in 2012 Callum Murray, spotted a gap in the market. But the young trained butcher, now 24, had his
- [Paperworks' Growth impresses judges in Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/2016/03/paperworks-growth-impresses-judges-in-citi-microentrepreneurship-awards/) - “Outstanding” social business which doubled income, staff and trainees wins Microentrepreneur of the Year - Growth category and £5,000 prize in 2016 Citi Microentrepreneurship Awards What are the characteristics of an outstanding social enterprise? Look no further than Paperworks, a social enterprise (and charity) which sells its services to businesses, charities and other social enterprises. The
- [Social Investment Scotland Wins Prestigious Cabinet Office Award](https://responsiblefinance.org.uk/2016/05/social-investment-scotland-wins-prestigious-cabinet-office-award/) - Social Investment Scotland won a prestigious award from the Cabinet Office for its pioneering work on the SIS Community Capital Fund. Congratulations to the team at SIS!
- [Responsible Finance Referendum Briefing](https://responsiblefinance.org.uk/2016/07/responsible-finance-referendum-briefing/) - What a Brexit means for the responsible finance sector 1 July 2016 On 23rd June the UK voted in a referendum to leave the European Union. The assumption is that the current arrangements will remain in place until new frameworks are put in place, likely in two years but possibly longer. The UK is
- [Access to Finance for Small Businesses…..How to Mend a Broken Market](https://responsiblefinance.org.uk/2016/08/access-to-finance-for-small-businesses-how-to-mend-a-broken-market/) - Following the financial crisis the number of SMEs in the UK has risen. In 2014 there were over 5 million SMEs accounting for 99.9% of all UK businesses. Competition in providing financial services to small businesses has also increased but the main high street banks still dominate the provision of SME finance. The recent Competition
- [Launch of Responsible Finance in Wales](https://responsiblefinance.org.uk/2016/10/launch-of-responsible-finance-in-wales/) - Responsible Finance, the association representing responsible finance lenders across the United Kingdom, officially launched in Wales at the Senedd, Cardiff Bay on Wednesday 12th October 2016. The event was hosted by Jane Hutt, Assembly Member for Vale of Glamorgan, and Jennifer Tankard, Responsible Finance Chief Executive. The launch marks the rebranding of the Community Development Finance Association (CDFA)
- [Responsible Finance Launches in Wales by Jennifer Tankard, CEO](https://responsiblefinance.org.uk/2016/10/responsible-finance-launches-in-wales-by-jennifer-tankard-ceo/) - I was delighted to attend the launch of Responsible Finance in Wales at the Welsh Senedd on Wednesday, 12th October and would like to thank Jane Hutt AM for sponsoring and hosting the event. We launched a name change rather than the introduction of a new sector. Our members in Wales – Robert Owen Community
- [Matt Smith, Key Fund CEO: Social Enterprises are not just for Christmas, they’re for life. Give them a chance](https://responsiblefinance.org.uk/2016/11/matt-smith-key-fund-ceo-social-enterprises-are-not-just-for-christmas-theyre-for-life-give-them-a-chance/) - It’s that time of year when It’s A Wonderful Life is constantly on repeat. George Bailey, played by Jimmy Stewart, has given up his dreams. On his way to his honeymoon, he witnesses a run on the bank after the death of his father, and uses his savings to bail out Bailey Building and Loan
- [Responsible Finance Welcomes proposals for a Development Bank in Wales](https://responsiblefinance.org.uk/2016/12/responsible-finance-welcomes-proposals-for-a-development-bank-in-wales/) - Responsible Finance welcomes the Minister’s recent announcements for a Development Bank of Wales and will work in partnership to further the success of businesses and local economies. Responsible Finance members in Wales contribute significantly to local economies, lending over £27 million to 37,000 customers including £1.4 million to 316 businesses in 5 years, £16 million
- [Alternative typefaces](https://responsiblefinance.org.uk/2017/02/alternative-typefaces/)
- [Retail Giants Warm to Designer Radiator Firm](https://responsiblefinance.org.uk/2017/02/retail-giants-warm-to-designer-radiator-firm/) - An entrepreneurial duo has put their buying power to work by forming their own business. Seasoned buyers Paul Johnson and Andrew Smith formed Crimson Bear, a firm that sources high-end radiators and heating solutions for the home from across the world. Paul and Andrew planted the business on the premises of a freight company in
- [Conferencing in Cardiff - Responsible Finance '17](https://responsiblefinance.org.uk/2017/04/conferencing-in-cardiff-responsible-finance-17/) - The sun was shining in Cardiff as 150 delegates gathered to share their views on what makes a responsible finance industry. Leading practitioners, thought leaders and policy makers were here for the annual conference of Responsible Finance and the Citi Microentrepreneurship Awards dinner. The debate was wide-ranging and thought-provoking. The conference began with an energising
- [Responsible finance supports retail jobs](https://responsiblefinance.org.uk/2018/06/responsible-finance-supports-retail-jobs/) - It has been a difficult few months for retailers; there are now weekly announcements of store closures and high street brands going into administration. A common thread through all of these stories is the thousands of jobs lost, or at risk by the slow decline of the retail sector. In the first three months of
- [Is a local finance partnership for you?](https://responsiblefinance.org.uk/2018/07/is-a-local-finance-partnership-for-you-2/) - A practical toolkit for local finance partnerships 26.10.2017 Partnerships between local finance organisations have many benefits, evidenced by existing collaborations between some responsible finance organisations. The ‘Creating Local Finance Partnerships Toolkit’ was created as a practical guide to facilitating partnership working from the set up to ongoing management and tracking outcomes, and can be accessed
- [It's all about the passion](https://responsiblefinance.org.uk/2018/07/its-all-about-the-passion-2/) - 21.04.201The number of business start-ups reached a record high in 2016 – with over 650,000 new businesses started in the UK. So what makes over 1,700 people decide to set up in business every day? Being your own boss and having the freedom to work in an area you care about makes it an attractive
- [New Research: Community Investment Tax Relief (CITR) and the Responsible Finance Sector](https://responsiblefinance.org.uk/2018/07/new-research-community-investment-tax-relief-citr-and-the-responsible-finance-sector-2/) - March 2018 Today sees the publication of the first major piece of research into the impact of the Community Investment Tax Relief (CITR) since the scheme’s launch in 2002. Completed by Community Investment Services Ltd the work was commissioned by Power to Change and a number of responsible finance providers. The research found that
- [Responsible Finance  Welcomes proposals for a Development Bank in Wales](https://responsiblefinance.org.uk/2016/12/press-release-responsible-finance-welcomes-proposals-for-a-development-bank-in-wales/) - Responsible Finance welcomes the Minister’s recent announcements for a Development Bank of Wales and will work in partnership to further the success of businesses and local economies. Responsible Finance members in Wales contribute significantly to local economies, lending over £27 million to 37,000 customers including £1.4 million to 316 businesses in 5 years, £16 million
- [Awards celebrate British Business Success](https://responsiblefinance.org.uk/2017/02/awards-celebrate-british-business-success/) - Seaweed, shipping containers, clay plaster and macaroons feature in the Citi Microentrepreneurship Awards shortlist 15.02.2017 A diverse bunch of young, social and micro entrepreneurs have been named as finalists for the Citi Microentrepreneurship Awards. The awards, a partnership between Responsible Finance and the Citi Foundation, celebrate the small and dynamic businesses that are flourishing, with
- [New Carnegie UK Loan fund to support affordable lending to financially excluded households](https://responsiblefinance.org.uk/2018/01/new-carnegie-uk-loan-fund-to-support-affordable-lending-to-financially-excluded-households/) - 24.01.2018 The Carnegie UK Trust has just launched a new £1 million fund to help tackle the poverty premium for low income borrowers in Scotland. Loans from high cost credit companies, including pay day loan firms and door step lenders, currently cost people in Scotland millions of pounds in interest repayments every year – and
- [Responsible Finance calls for credit reference agencies to do more to support financial inclusion](https://responsiblefinance.org.uk/2018/02/responsible-finance-calls-for-credit-reference-agencies-to-do-more-to-support-financial-inclusion/) - 28.02.2018 Current credit scoring approaches could be costing households £1,770 extra per year Credit reference agencies are using traditional credit scoring methods that are out of sync with modern financial life and that fail to accurately capture the creditworthiness of many people. As a result consumers are either completely financially excluded or pay a premium
- [Spring Statement: A springboard for an inclusive economy?](https://responsiblefinance.org.uk/2018/03/spring-statement-a-springboard-for-an-inclusive-economy/) - Philip Hammond’s brief, twenty-minute Spring Statement scheduled for Tuesday is not expected to hold any substantial policy announcements. Nonetheless, the Chancellor should set out some thinking about longer term economic priorities. There is a growing sense of alienation across the UK. An enterprising economy is impossible without investment in innovation. An inclusive economy is impossible
- [Responsible Finance 2018 Local Elections Manifesto](https://responsiblefinance.org.uk/2018/04/responsible-finance-2018-local-elections-manifesto/) - Ahead of the 2018 local elections Responsible Finance calls on local councils to commit to building wealth through an inclusive local finance ecosystem. This will boost prosperity and engage the SME community in the local area. Over the last six years Preston City Council has worked to harness the spending power of anchor institutions to
- [Taking stock together: a new dawn for Euro Credit Reporting](https://responsiblefinance.org.uk/2018/06/taking-stock-together-a-new-dawn-for-euro-credit-reporting/) - I was delighted to speak at the Association of Consumer Credit Information Suppliers annual conference last week (8th June 2018). In 2017 responsible finance providers lent £235 million to nearly 62,000 customers across the UK (business, social enterprise and personal). The responsible finance industry is underpinned by the principles of fairness, transparency and a strong
- [Responsible finance is building the financial resilience of Britain’s businesses and consumers](https://responsiblefinance.org.uk/2017/02/responsible-finance-is-building-the-financial-resilience-of-britains-businesses-and-consumers/) - New research shows that in 2016 responsible finance providers: Supported the start-up and survival of over 10,000 small businesses and social enterprises Created and saved over 20,000 jobs Helped 37,000 people access affordable credit, and supported them to deposit £3m in savings accounts The responsible finance industry is playing a vital role in supporting thousands
- [Cornish companies top list of winners at Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/2017/03/cornish-companies-top-list-of-winners-at-citi-microentrepreneurship-awards/) - The Citi Microentrepreneurship Awards, delivered in partnership by Responsible Finance and the Citi Foundation, has named two Cornish entrepreneurs winners of the Microentrepreneur Award for Sustainability and the Microentrepreneur Award for Growth. Winners Adam Weisman of Clayworks and Ben Treleaven of ISO Spaces achieved commercial success with innovative businesses and help from SWIG Finance, a
- [Responsible Finance Manifesto 2017](https://responsiblefinance.org.uk/2017/05/responsible-finance-manifesto-2017/) - We are pleased to publish the Responsible Finance Manifesto, which calls on all political parties to support the responsible finance sector in order to create a more inclusive financial services system to catalyse growth and prosperity in the UK. In particular, we call for: The launch of a £150 million responsible finance fund Ensure policy
- [Historic UK/US agreement by development finance bodies](https://responsiblefinance.org.uk/2017/10/historic-ukus-agreement-by-development-finance-bodies/) - Transatlantic exchange will benefit responsible finance providers 17.10.2017 The two national bodies representing the development finance industries in the UK and US have today signed a historic partnership agreement. The Council of Development Finance Agencies (CDFA) and Responsible Finance are establishing a transatlantic exchange that will boost finance practitioners in both nations. The exchange will
- [Building local finance partnerships in London: Learning from a pilot project](https://responsiblefinance.org.uk/2018/01/building-local-finance-partnerships-in-london-learning-from-a-pilot-project/) - 02.01.2018 With generous funding from the City of London Corporation’s charitable funder, City Bridge Trust, in 2015 Responsible Finance was able to work with two responsible finance providers in London to pilot local partnership models aimed at tackling financial exclusion. The independent evaluation recently completed by the New Economics Foundation (NEF) provides learning relevant to those
- [Raising positive investment online](https://responsiblefinance.org.uk/2013/06/raising-positive-investment-online/) - Ethex is a not-for-profit organisation that aims to raise investment capital for businesses that deliver a positive benefit to society.
- [The Church of England and the Credit Union movement](https://responsiblefinance.org.uk/2013/09/the-church-of-england-and-the-credit-union-movement/) - Malcolm Brown - Director of Mission and Public Affairs for the Church of England, examines the church's support for credit unions and views on the financial sector.
- [Hope and outrage](https://responsiblefinance.org.uk/2013/09/hope-and-outrage/) - Celia Richardson explains why the Social Economy Alliance is optimistic about all the main party manifestoes for 2015 carrying policies that will grow the social economy
- [The need for finance sector reform](https://responsiblefinance.org.uk/2013/09/the-need-for-finance-sector-reform/) - Jennifer Tankard, Director of Community Development Foundation, explains why the Community Investment Coalition is working together for fair and affordable financial services for all.
- [Change the message…](https://responsiblefinance.org.uk/2013/09/change-the-message/) - Ben Hughes examines how we can cut through the froth of the party conferences by spelling out how CDFIs are making a difference, and their £1.125bn contribution to GDP.
- [Getting to scale: lessons from the US](https://responsiblefinance.org.uk/2014/04/getting-to-scale-lessons-from-the-us/) - Bob Annibale, Citi Global Director of Community Development and Inclusive Finance, considers how the innovative UK CDFI sector could learn four key lessons from the US experience in order to achieve greater scale and impact.
- [The Big Potential of Social Investment](https://responsiblefinance.org.uk/2014/04/the-big-potential-of-social-investment/) - Azlina Bulmer of Charity Bank explains why social sector organisations need support to understand and prepare for social investment, and how the Big Potential programme will do this.
- [Better financial services = Just Finance](https://responsiblefinance.org.uk/2014/05/better-financial-services-just-finance/) - Ben Hughes discusses why we need better financial services, the CDFA's vision for Just Finance for all and how we plan to achieve it.
- [Big news for Scotland’s social entrepreneurs](https://responsiblefinance.org.uk/2014/09/big-news-for-scotlands-social-entrepreneurs/) - David Cousland explains why DSL Business Finance and Big Issue Invest are teaming up to bring finance to Scotland's social enterprises
- [Peak payday has passed - what next?](https://responsiblefinance.org.uk/2014/09/peak-payday-has-passed-what-next/) - Niall Alexander of Moneyline discusses the implications of an interest rate cap for payday lenders
- [A new ecosystem for business funding-the rise of alternatives](https://responsiblefinance.org.uk/2014/09/a-new-ecosystem-for-business-funding-the-rise-of-alternatives/) - Adam Tavener examines the growth of alternative finance and explains why he set up Alternative Business Funding to help SMEs
- [Making things better: bringing equality to financial services](https://responsiblefinance.org.uk/2014/09/making-things-better-bringing-equality-to-financial-services/) - Ben Hughes on how we can bring equity to the provision of financial services in the UK
- [Just Money – Civil Society Action for Community Finance](https://responsiblefinance.org.uk/2015/04/just-money-civil-society-action-for-community-finance/) - David Barclay explains how the Just Money campaign has been working with experts (including the CDFA) to develop a proposal for a Community Finance Foundation, endowed through £200 million of fines on banks and payday lenders over the next parliament.
- [Celebrating 25 years of helping East Mids entrepreneurs](https://responsiblefinance.org.uk/2015/04/celebrating-25-years-of-helping-east-mids-entrepreneurs/) - Neil Millington explains how First Enterprise has transformed its lending and business support over a quarter of a century, and why they're so proud of one of their clients crowned winner at this year's Citi Microentrepreneurship Awards
- [New government = new horizons?](https://responsiblefinance.org.uk/2015/04/new-government-new-horizons/) - Ben Hughes reflects on the forthcoming election and its implications for our industry. With the three main national parties having an evident commitment to at least some aspects of the work of CDFIs, can we look forward to a time of new hope and opportunity?
- [What’s the value of community finance?](https://responsiblefinance.org.uk/2015/04/whats-the-value-of-community-finance/) - The CDFA is just about to launch a new tool, providing a dynamic framework for CDFIs to comprehensively, consistently and clearly report on their social impact. By mapping the value of community finance to all its stakeholders, we can build a stron g compelling case for future investment and support – vital for the sector’s future success.
- [Improving the financial health of the nation: ideas for the next Parliament](https://responsiblefinance.org.uk/2015/04/improving-the-financial-health-of-the-nation-ideas-for-the-next-parliament/) - The United Kingdom leads the world in financial services and yet more than two million adult Britons don’t have a bank account. In the autumn of 2014, the Financial Inclusion Commission came together to find out why, and to put the issue on the political agenda ahead of the General Election. Chris Pond explains what the Commission is calling for from the next government.
- [5 Reasons the Government Needs to Create New Regional Growth Funds](https://responsiblefinance.org.uk/2017/03/5-reasons-the-government-needs-to-create-new-regional-growth-funds/) - By Katy Ford, Foundation East Earlier this year, the independent think tank Civitas called for the government to pump fresh funding into responsible finance providers (RFPs), warning that over half of their funding streams, including from the government's Regional Growth Fund, are due to run out this year despite a huge increase in demand. Both
- [How do we know responsible finance is responsible?](https://responsiblefinance.org.uk/2017/04/how-do-we-know-responsible-finance-is-responsible/) - Introducing a quality mark for the sector 12.04.2017 The financial services market looks like a web of confusion to many consumers. Businesses, individuals and social enterprises looking for credit may all find a bewildering range of choice at first glance. Retail banks including the new challengers, P2Ps, and pay day lenders all have large marketing
- [It's all about the passion](https://responsiblefinance.org.uk/2017/04/its-all-about-the-passion/) - The number of business start-ups reached a record high in 2016 – with over 650,000 new businesses started in the UK. So what makes over 1,700 people decide to set up in business every day? Being your own boss and having the freedom to work in an area you care about makes it an attractive
- [Public Banks, CDFIs and a Joined-Up Agenda](https://responsiblefinance.org.uk/2017/04/public-banks-cdfis-and-a-joined-up-agenda/) - By Pat Conaty There is a growing interest by local authorities and the devolved administrations in Wales and Scotland in public banks. This interest is growing in the lead up to Brexit. The Welsh government for example is working to transform Finance Wales, a government body for small business financing, into a development bank. Richard
- [Responsible Finance: Brexit and Beyond](https://responsiblefinance.org.uk/2017/05/responsible-finance-brexit-and-beyond/) - The United Kingdom faces two momentous political turning points in the coming years. First up is the defining of the next Parliament in the general election on June 8, then follows the Brexit negotiations which will lay the groundwork for the future relationship we have with our nearest neighbours. At such moments, the political and
- [Tackling Financial Exclusion Through Local Finance Partnerships](https://responsiblefinance.org.uk/2017/06/tackling-financial-exclusion-through-local-finance-partnerships/) - In 2016, responsible loan funds lent £20 million to 37,000 people and helped their customers deposit £3 million into savings accounts. Local finance organisations are innovative, responsive and resourceful but, at the moment, they don’t have the reach to provide services to everyone who needs them. And the need is significant. Two million people do
- [The financial services of the future](https://responsiblefinance.org.uk/2017/06/the-financial-services-of-the-future/) - Clear goals in uncertain times 27.06.2017 Like many recent votes, the general election on June 8th didn’t produce the expected result. The Prime Minister has lost her majority and gained a tough workload. As the Queen’s Speech made clear, Brexit is going to dominate Parliament over the next two years. Eight major Brexit bills were
- [Walking the Talk](https://responsiblefinance.org.uk/2017/07/walking-the-talk/) - The Quality of Responsible Finance 11.07.2017 In 2015 the Community Development Finance Association became Responsible Finance. We knew that the first question many people would ask is ‘So what makes you responsible?” It is a question we welcome. We are keen to have that debate. The term is now widely used - Wonga, First Direct,
- [How do you set up a local finance partnership that works?](https://responsiblefinance.org.uk/2017/08/how-do-you-set-up-a-local-finance-partnership-that-works/) - Working together to do more 22.08.2017 Local organisations across the UK are working together to find new and more effective ways to create and market complementary financial products, coordinate and simplify customer journeys and reduce overheads. They are working together to deliver more to more people with the available resources. Our research, Tackling Financial
- [Solving the consumer debt problem: why we need a tax relief for responsible lenders](https://responsiblefinance.org.uk/2017/08/solving-the-consumer-debt-problem-why-we-need-a-tax-relief-for-responsible-lenders/) - The Responsible Finance sector remains a critical but under-resourced source of responsible credit for hard pressed families 29.08.2017 In June, almost exactly 10 years after the start of the banking crisis, the Bank of England ordered banks to hold more capital due to surging consumer debt. Experts have repeatedly highlighted car financing as one
- [Responsible finance is critical to supporting small businesses and underpinning London’s economic success](https://responsiblefinance.org.uk/2017/10/responsible-finance-is-critical-to-supporting-small-businesses-and-underpinning-londons-economic-success/) - How the Mayor of London could play a critical and innovative role in supporting small business success 03.10.2017 London is the undisputed economic engine of the UK economy and the most prosperous city in the country. Boosting London’s economy According to smallbusiness.co.uk London is home to the largest number of small and medium sized enterprises
- [Following the business dream: showcasing success](https://responsiblefinance.org.uk/2017/10/following-the-business-dream-showcasing-success/) - 10.10.2017 Small businesses and the entrepreneurs that create and grow them are the backbone of the UK’s economy. Many people dream of running their own business but it requires a leap of faith to follow the dream and make it a reality. A recent Citi Foundation study, Pathways to Progress Global Youth Survey 2017, found
- [Is a local finance partnership for you?](https://responsiblefinance.org.uk/2017/10/is-a-local-finance-partnership-for-you/) - A practical toolkit for local finance partnerships 26.10.2017 Partnerships between local finance organisations have many benefits, evidenced by existing collaborations between some responsible finance organisations. The ‘Creating Local Finance Partnerships Toolkit’ was created as a practical guide to facilitating partnership working from the set up to ongoing management and tracking outcomes, and can be
- [What makes an outstanding loan officer?](https://responsiblefinance.org.uk/2017/11/what-makes-an-outstanding-loan-officer/) - 03.11.2017 Recent banking scandals may have caused small business owners to be wary of seeking finance. The HBOS Reading fraud caused many small businesses – including that of Noel Edmonds – to close. RBS faced huge criticism for the way its Global Restructuring Group GRG treated small business customers. There have been many examples of
- [We need a bold vision for the provision of affordable credit](https://responsiblefinance.org.uk/2017/11/we-need-a-bold-vision-for-the-provision-of-affordable-credit/) - 29.11.2017 For many people on low incomes, Christmas is far from a time of cheer. This year, the combination of rising inflation and an increase in interest rates while incomes continue to stagnate will place even more pressure on struggling households. While the Chancellor’s budget announced an increase of an apprentices wage from £3.50 to
- [Breathing Space call for evidence](https://responsiblefinance.org.uk/2018/01/breathing-space-call-for-evidence/) - Responsible Finance response. Problem debt places a heavy burden on individuals and families. It can lead to people falling into a persistent cycle of debt dependence with an ever-growing burden of debt, triggering stress and mental health issues. Recent research by the Financial Conduct Authority (FCA) found that 50% of UK consumers currently show
- [Blog: Credit Reference Agencies must start taking financial inclusion seriously](https://responsiblefinance.org.uk/2018/02/blog-credit-reference-agencies-must-start-taking-financial-inclusion-seriously/) - Inclusive credit scoring 28.02.2018 A known barrier to financial inclusion is the credit scoring approaches utilised by both mainstream and affordable lenders. Because of them, UK households could be paying £1,770 extra per year for basic everyday goods and services. For people on low incomes this premium is a significant opportunity cost to potential savings,
- [Responsible Finance – a track record in supporting female entrepreneurs](https://responsiblefinance.org.uk/2018/03/responsible-finance-a-track-record-in-supporting-female-entrepreneurs/) - In 2016, Virgin Money launched a report on ‘Women in Finance – fairness, equality and inclusion for men and women’. The report found that ‘more women than men start out in financial services but, as they progress, the majority fall out, especially at middle management level. This leaves almost all of the top jobs in
- [Do several buses equal a sustainable funding regime for enterprise lending responsible finance providers?](https://responsiblefinance.org.uk/2018/03/do-several-buses-equal-a-sustainable-funding-regime-for-enterprise-lending-responsible-finance-providers/) - Last week I was kindly invited to the launch of Richard Roberts and Steve Walker’s report on the future of responsible finance business lending. For me, there are four key messages that I take away from the report. First, we can debate the scale of the SME funding gap, but can we please now accept
- [The cost of an unregulated business lending market](https://responsiblefinance.org.uk/2018/04/the-cost-of-an-unregulated-business-lending-market/) - Amongst firms with a viable business plan, external finance is often a key requirement for business creation, survival and growth, particularly where personal and family-based resources are insufficient and a business cannot generate sufficient surplus cash flow to provide internal funds. Commercial banks often fund this requirement. However, despite having a credible business plan,
- [Responsible Finance co-host transatlantic webinar on small business lending in the U.K and U.S](https://responsiblefinance.org.uk/2018/04/responsible-finance-co-host-transatlantic-webinar-on-small-business-lending-in-the-u-k-and-u-s/) - 17.04.2018 In an effort to uncover better solutions to the capital access challenges facing American and UK small businesses and entrepreneurs, Responsible Finance partnered with US-based CDFA to examine the financing strategies pursued by public and private financiers in both nations. This transatlantic collaboration examined how our countries approach lending, underwriting, credit evaluation, risk assessments
- [An open letter from the Better Banking Coalition to the party leaders](https://responsiblefinance.org.uk/2010/04/an-open-letter-from-the-better-banking-coalition-to-the-party-leaders/) - Thursday 29 April 2009. The cdfa is a founding member of the Better Banking Campaign. This is our message to the party leaders ahead of the general election.
- [Which? calls for 'profound' banking reform](https://responsiblefinance.org.uk/2010/06/which-calls-for-profound-banking-reform/) - Wednesday 9 June. The Future of Banking Group Commission, set up by the consumer group Which?, has today published a report calling for ‘profound reform’ of the UK banking system.
- [Financial Inclusion Taskforce to advise Treasury on affordable credit](https://responsiblefinance.org.uk/2010/06/financial-inclusion-taskforce-to-advise-treasury-on-affordable-credit/) - Friday 11 June 2010. The Financial Secretary to the Treasury, Mark Hoban MP, has asked the Financial Inclusion Taskforce to convene to help advise the government.
- [OFT publishes review of high cost credit](https://responsiblefinance.org.uk/2010/06/oft-publishes-review-of-high-cost-credit/) - Tuesday 15 June. The Office of Fair Trading (OFT) has today published the final report of its review of the £7.5 billion high-cost credit sector, which includes doorstep lenders, pawnbrokers and pay day loan companies.
- [Government announces £1bn Regional Growth Fund and sets out plans to abolish RDAs](https://responsiblefinance.org.uk/2010/06/government-announces-1bn-regional-growth-fund-and-sets-out-plans-to-abolish-rdas/) - Wednesday 30 June. A £1bn Regional Growth Fund will support communities at risk of being affected by government spending cuts, while Local Enterprise Partnerships are set to replace RDAs.
- [Small Business Minister Mark Prisk stresses the importance of impact measurment](https://responsiblefinance.org.uk/2010/07/small-business-minister-mark-prisk-stresses-the-importance-of-impact-measurment/) - Monday 5 July. Minister says impact assessments will 'play a greater role in policy making' as National Audit Office publishes new report.
- [Abolishing RDAs: full text of letter to local authorities](https://responsiblefinance.org.uk/2010/07/abolishing-rdas-full-text-of-letter-to-local-authorities/) - Tuesday 6 July. Further details about Local Enterprise Partnerships, the successor bodies to Regional Development Agencies, have been set out in a joint the letter to local authorities from Eric Pickles, Secretary of State for Communities and Local Government, and Vince Cable, Secretary of State for Business, Innovation and Skills.
- [Minister announces annual financial health check for families](https://responsiblefinance.org.uk/2010/07/minister-announces-annual-financial-health-check-for-families/) - Thursday 15 July. The Financial Secretary to the Treasury, Mark Hoban, has pledged that families will benefit from a free money advice and an annual financial health check, in a speech to the Consumer Financial Education Body last night.
- [National Housing Federation launches affordable loans scheme](https://responsiblefinance.org.uk/2010/07/national-housing-federation-launches-affordable-loans-scheme/) - Friday 16 July. The National Housing Federation, trade association for housing associations in England, is piloting a new affordable loans scheme in partnership with cdfa member ELM.
- [Bank has Big potential - but only if it's well designed](https://responsiblefinance.org.uk/2010/07/bank-has-big-potential-but-only-if-it-is-well-designed/) - Tuesday 20 July. The Big Society Bank announced by David Cameron this week has transformative potential - but it needs to be well-designed and fit for purpose.
- [Economist piece on US CDFI sector](https://responsiblefinance.org.uk/2010/08/economist-piece-on-us-cdfi-sector/) - Tuesday 31 August. Despite the recent closure of a leading light in the US CDFI movement, The Economist finds that the rest of the sector is "stronger than ever".
- [Financial Times article on microfinance quotes cdfa and Fredericks](https://responsiblefinance.org.uk/2010/09/financial-times-article-on-microfinance-quotes-cdfa-and-fredericks/) - Monday 13 September. Small business owners in the UK are turning to CDFIs as a result of high street banks continuing to refuse loan applications, according to a page 3 article on microfinance in the Financial Times.
- [Centre for Cities report on cross boundary working and LEPs](https://responsiblefinance.org.uk/2010/09/centre-for-cities-report-on-cross-boundary-working-and-leps/) - Monday 13 September. The Centre for Cities has produced a new report which looks at the challenges facing the ten largest Local Economic Partnerships that have been proposed.
- [Pick of the blogs: Regional Growth Fund and Local Enterprise Partnerships](https://responsiblefinance.org.uk/2010/09/pick-of-the-blogs-regional-growth-fund-and-local-enterprise-partnerships/) - Wednesday 22 September. With the Liberal Democrat party conference in full swing, the week has been packed with news (and gossip) about the Regional Development Agencies, the Local Enterprise Partnerships that are being set up to replace them, and the £500m Regional Growth Fund. Here is our pick of recent blogs and websites covering these issues.
- [Charity Bank wins overall innovation award](https://responsiblefinance.org.uk/2010/12/charity-bank-wins-overall-innovation-award/) - 2 December 2010. Charity Bank overall winner of 2010 Financial World Innovation Awards.
- [2010 Barclays Trading Places Award winner backed by Street NE](https://responsiblefinance.org.uk/2010/12/2010-barclays-trading-places-award-winner-backed-by-street-ne/) - 1 December 2010. Richard Cartwright, winner of this year’s Barclays Trading Places Award, an award recognising an inspiring story of determination, received start-up finance from Street NE.
- [The cdfa and members invited to Number 10](https://responsiblefinance.org.uk/2010/12/monday-6-december-2010-number-10-invites-the-cdfa-and-its-members-to-talk-to-them-about-how-cdfis-can-support-access-to-finance/) - 6 December 2010. Number 10 invites the cdfa and its members to talk to them about how CDFIs can support access to finance.
- [Small Business Minister Mark Prisk pledges to support CDFIs](https://responsiblefinance.org.uk/2010/12/small-business-minister-mark-prisk-pledges-to-support-cdfis/) - 14 December. Speaking at the launch of the cdfa annual survey, Inside Out 2010, Small Business Minister Mark Prisk outlined three ways the coalition government will be supporting the UK CDFI sector.
- [BIS launches access to finance guidance for SMEs](https://responsiblefinance.org.uk/2011/01/bis-launches-access-to-finance-guidance-for-smes/) - 7 January. BIS has released guidance to help SMEs access private finance. CDFIs are promoted as an option for businesses in disadvantaged areas who cannot rasie the finance they require.
- [MP Sheila Gilmore lobbies for changes to tax relief scheme](https://responsiblefinance.org.uk/2011/01/sheila-gilmore-mp-lobbies-for-changes-to-tax-relief-scheme/) - 27 January 2011. As an Early Day Motion on tax relief to social enterprises gathers speed, the Community Investment Tax Relief scheme is discussed in parliament
- [Treasury publishes DWP Growth Fund evaluation](https://responsiblefinance.org.uk/2011/02/treasury-publishes-dwp-growth-fund-evaluation/) - 2 Februrary 2011. An evaluation of the DWP Financial Inclusion Growth Fund, designed to support CDFIs, has been completed by the Treasury
- [MPs support CDFIs in affordable credit debate](https://responsiblefinance.org.uk/2011/02/mps-support-cdfis-in-affordable-credit-debate/) - February 4 MPs discuss the DWP Growth Fund and Community Investment Tax relief in debate on high cost of credit
- [cdfa member BCRS Commended in Commons debate](https://responsiblefinance.org.uk/2011/02/cdfa-member-bcrs-commended-in-commons-debate/) - 9 February 2011. Wolverhampton based small business loans company BCRS has been commended in a House of Commons debate. Gavin Williamson, Conservative MP for South Staffordshire
- [Government sets out its vision for the future of Social Investment](https://responsiblefinance.org.uk/2011/02/government-sets-out-its-vision-for-the-future-of-social-investment/) - 15 Februrary 2011 The government has launched a document, Growing the Social Investment Market: A vision and strategy, which charts how the government intends to grow the emerging social investment market
- [cdfa launches new Community Investment Tax Relief campaign](https://responsiblefinance.org.uk/2011/02/cdfa-launches-new-community-investment-tax-relief-campaign/) - 22 February 2011. Join our campaign on CITR. With momentum for social investment building political capital, cdfa launches a major campaign.
- [cdfa launches new social media lending platform Ourbnk](https://responsiblefinance.org.uk/2011/03/cdfa-launches-new-social-media-lending-platform-ourbnk/) - 2 March 2011. cdfa launches a groundbreaking social media-based lending platform, Ourbnk, at the House of Commons
- [£45m Development Capital Fund Launched](https://responsiblefinance.org.uk/2011/03/45m-development-capital-fund-launched/) - 2 March 2011. The North West Development Capital Fund was successfully launched this month.
- [Scrap Channel Island tax loophole and save CITR say Forum for Private Business](https://responsiblefinance.org.uk/2011/03/scrap-channel-island-tax-loophole-and-save-citr-say-forum-for-private-business/) - 23 March 2011. In a letter to George Osborne the Forum for Private Business have urged the government to support Community Investment Tax Relief
- [Osborne pledges to save CITR in Budget 2011](https://responsiblefinance.org.uk/2011/03/osborne-pledges-to-save-citr-in-budget-2011/) - 23 March 2011. In today's budget speech George Osborne announced that Community Investment Tax Relief will continue and that the government will promote its uptake.
- [A victory for social investment!](https://responsiblefinance.org.uk/2011/03/a-victory-for-social-investment/) - March 23 2011. Read Bernie's blog on today's CITR announcement by George Osborne.
- [Budget 2011: CDFI briefing](https://responsiblefinance.org.uk/2011/03/budget-2011-cdfi-briefing/) - 25 March 2011. A complete round-up of Budget news with relevance to the community finance sector.
- [cdfa successful in its bid for a £60m Regional Growth Fund package](https://responsiblefinance.org.uk/2011/04/cdfi-sector-secures-60m-in-regional-growth-fund-announcement/) - 12 April 2011. The cdfa secures £60m private/public funding for the CDFI sector
- [RGF special: Credit where it’s due](https://responsiblefinance.org.uk/2011/04/rgf-special-credit-where-its-due/) - 12 April 2011. Read our CEOs blog on the £60m RGF funding secured for the CDFI sector today.
- [Banks can build business by backing poorest communities](https://responsiblefinance.org.uk/2011/06/banks-can-build-business-by-backing-poorest-communities/) - 16 June. "It is crucial that CDFIs forge even stronger relationships with banks" says our new interim CEO Ben Hughes
- [David Cameron speaks at the launch of a new business lending CDFI](https://responsiblefinance.org.uk/2011/06/david-cameron-speaks-at-the-launch-of-a-new-business-lending-cdfi/) - 20 June 2011. Fredericks Foundation, a CDFI operating in the South of England, has launched its business lending hub in Oxfordshire, with a special guest appearance from the Prime Minister.
- [CDFA contributes to government report on Early Intervention Investments](https://responsiblefinance.org.uk/2011/07/cdfa-contributes-to-government-report-on-early-intervention-investments/) - 12 July 2011. The report, by Graham Allen MP, recommends that by utilising CITR, CDFIs could be in a position to provide useful funding for Early Intervention projects.
- [Demonstrating evidence: new paper launched by GHK](https://responsiblefinance.org.uk/2011/09/demonstrating-evidence-new-paper-launched-by-ghk/) - 21 September 2011. GHK have released a briefing paper on outcomes-based commissioning using ‘payment by results’. An increasingly common method in UK public service procurement.
- [Osborne’s Autumn Statement holds great promise for CDFIs](https://responsiblefinance.org.uk/2011/12/osbornes-autumn-statement-holds-great-promise-for-cdfis/) - 29 November 2011. A £1bn Business Finance Partnership and a national bank/CDFI referral scheme amongst the announcements.
- [Loan service launches attack on the zombies](https://responsiblefinance.org.uk/2012/01/loan-service-launches-attack-on-the-zombies/) - 10th January 2012. A Glasgow housing association is teaming up with CDFA member Scotcash to help tackle "zombie debtors"
- [Snubbed by the banks? The locals can help](https://responsiblefinance.org.uk/2012/01/shunned-by-the-banks-the-locals-can-help/) - 18 January 2012 The Sunday Times reports on the CDFA and one of our members, Foundation East
- [New CDFA chief leads bold strategy to raise the profile of community finance](https://responsiblefinance.org.uk/2012/01/new-cdfa-chief-leads-bold-strategy-to-raise-the-profile-of-community-finance/) - 18 January 2012. The CDFA is pleased to announce the appointment of Ben Hughes as our new Chief Executive
- [CDFA Innovation Award Winners Revealed](https://responsiblefinance.org.uk/2012/02/cdfa-innovation-award-winners-revealed/) - 1 February 2012. Innovation is alive in banking sector as ‘best in class’ providers recognised
- [CDFA 'one of top financial influencers online'](https://responsiblefinance.org.uk/2012/03/cdfa-one-of-top-financial-influencers-online/) - Economia magazine and PeerIndex have drawn up a list of the top 100 financial tweeters worldwide - and CDFA is one of them!
- [Demand for Community Finance soars as ethical lenders take on the Wongas](https://responsiblefinance.org.uk/2012/10/demand-for-community-finance-soars-as-ethical-lenders-take-on-the-wongas/) - 04.10.2012 Enquiries to ethical 'community finance' providers have more than doubled in the last year as individuals seek routes out of high interest debt traps, according to new figures released by the CDFA today.
- [Vince Cable at Community Finance > Forward Thinking](https://responsiblefinance.org.uk/2012/10/vince-cable-at-community-finance-forward-thinking/)
- [£6billion gap in finance for individuals and organisations outside mainstream finance](https://responsiblefinance.org.uk/2013/02/6billion-gap-in-finance-for-individuals-and-organisations-outside-mainstream-finance/) - Unmet demand for finance amongst individuals and organisations that do not qualify for traditional bank funding has reached more than £6billion, according to new research published today by the Community Development Finance Association (CDFA), supported by RBS Group.
- [Spending Review: Government should invest more in CDFIs](https://responsiblefinance.org.uk/2013/06/spending-review-government-should-invest-more-in-cdfis/) - Government can make scarce resources go further through investing in CDFIs
- [New community banking solution launched in Bristol](https://responsiblefinance.org.uk/2014/05/new-community-banking-solution-launched-in-bristol/) - Work is underway to set up and test a simple and practical community finance partnership to deliver wide-ranging finance and support services in Bristol. The pilot project is being led by the South West Investment Group (SWIG), a community development finance institution (CDFI) that will partner with other services to present a viable and integrated alternative solution to fragmented mainstream finance and support services.
- [Finance For Enterprise celebrates 30 years of business support](https://responsiblefinance.org.uk/2015/07/finance-for-enterprise-celebrates-30-years-of-business-support/) - CDFA member Finance For Enterprise (originally Donbac) has been supporting the start-up and growth of SMEs since 1985, as one of the first enterprise agencies and business loan funds in the region. To celebrate its 30th Anniversary, the company hosted a summer afternoon of racing at Doncaster Racecourse to thank key partners and intermediaries who
- [Supporting Eden businesses](https://responsiblefinance.org.uk/2015/06/supporting-eden-businesses/) - CDFA member Enterprise Answers has teamed up with Eden District Council to support small businesses in the area in need of loan finance. This great partnership is reaching the small business owners that are vital for the local economy, and that can’t get the finance they need elsewhere. This film explains more about the funding
- [Scotcash wins Giordano Dell'Amore Microfinance Good Practices Europe Award 2015](https://responsiblefinance.org.uk/2015/06/scotcash-wins-giordano-dellamore-microfinance-good-practices-europe-award-2015/) - 22.06.2015 Congratulations to CDFA member Scotcash, which has been announced as the winner of the Giordano Dell'Amore Microfinance Good Practices Europe Award 2015. Designed to recognise institutions that are committed to fostering financial inclusion and access to the mainstream financial sector for disadvantaged people, the award was presented at the 12th European Microfinance Network (EMN)
- [Avoid loan sharks and find the ethical alternatives](https://responsiblefinance.org.uk/2015/07/avoid-loan-sharks-and-find-the-ethical-alternatives-2/) - Payday lenders may be shrinking, but there is no need to turn to illegal lenders. With 94% of people introduced to a loan shark by friends or family, a new campaign introduces safe, affordable lenders
- [Michelle Mone sees the great work of responsible finance in London](https://responsiblefinance.org.uk/2015/10/michelle-mone-sees-the-great-work-of-responsible-finance-in-london/) - Leading entrepreneur and businesswomen Michelle Mone OBE continued the Government review into supporting entrepreneurship in disadvantaged communities today with a visit to Responsible Finance member London Small Business Centre. Michelle had the opportunity to meet the finance provider’s staff, some of the businesses they’ve helped as well as members of the Responsible Finance team. The
- [Rapid rise of ethical lending creating thousands of jobs and new businesses](https://responsiblefinance.org.uk/2015/11/rapid-rise-of-ethical-lending-creating-thousands-of-jobs-and-new-businesses/) - New research reveals 45,000 people finding real alternative to payday lenders 02.11.2015 Rapid growth in alternative lenders market in 2015: 45% rise in loans by growing network of responsible lenders 10,000 new businesses and 25,000 jobs created 45,000 people find ethical alternative to payday lenders The ethical loans market, seen as a real alternative to
- [Finance For Enterprise achieves re-accreditation of Customer First Standard](https://responsiblefinance.org.uk/2016/02/finance-for-enterprise-achieves-re-accreditation-of-customer-first-standard/) - Another great start to the New Year for Finance For Enterprise achieving ongoing compliance for the third time. Originally awarded in 2009 and retaining this accreditation every two years to maintain compliance with the standard. Mike Wildey, Customer First Assessor commented, “Finance For Enterprise have been accredited with the Customer First standard for several years
- [Interview with Paul Kalinauckas, winner of Outstanding Leader in Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/2016/03/interview-with-paul-kalinauckas-winner-of-outstanding-leader-in-citi-microentrepreneurship-awards/) - What are the attributes of an 'outstanding' leader? Can they be learned? Paul Kalinauckas is the Chief Executive of responsible finance provider BCRS, which he helped establish in 2002. And he was recently named the winner of the Outstanding Leader Award in the 2016 Citi Microentrepreneurship Awards, collecting his Award from the BBC's Justin Webb
- [Two Apprentices join the FFE team](https://responsiblefinance.org.uk/2016/08/two-apprentices-join-the-ffe-team/) - Finance For Enterprise are pleased to welcome two Apprentices to join their expanding team. Alisha Commons, 18, and Rebekah Wickham, 16, join the team on a Level 2 Apprenticeship in Business Administration. Both will study and develop their skills to support the FFE team with administration, marketing and social media. Paula Foreman, Operations Manager at FFE,
- [Call for Brummies to invest in ART Business Loans and the local economy](https://responsiblefinance.org.uk/2017/02/call-for-brummies-to-invest-in-art-business-loans-and-the-local-economy/) - Birmingham City Council leader John Clancy is appealing to Brummies to support a fundraising scheme that could generate £3 million to support local businesses 01.02.2017 The council is joining forces with Responsible Finance member ART Business Loans and ThinCats peer lending platform to assist small to medium sized businesses (SMEs) in Birmingham that are unable
- [Rebecca  gets her finances back on track with the support of Scotcash](https://responsiblefinance.org.uk/2017/07/rebecca-gets-her-finances-back-on-track-with-the-support-of-scotcash/) - Rebecca works part-time on minimum wage and Lives with her partner and 16 year old child in socially rented accommodation in the East End of Glasgow. She has been a customer of Scotcash for six years, and with their help has gained control of her finances. Rebecca tried to open a bank account but as
- [From benefits to business success: Purple Shoots help Claire and Kevin on their business journey](https://responsiblefinance.org.uk/2017/07/from-benefits-to-business-success-purple-shoots-help-claire-and-kevin-on-their-business-journey/) - Claire and Kevin Richards both had normal jobs until a few years ago when Claire developed a serious health condition which left her unable to walk for over a year. She lost her job and in the end Kevin gave up his to look after her. It was not long before they were struggling to
- [M&BG Group  go for growth with the support of ART Business Loans](https://responsiblefinance.org.uk/2017/07/mbg-group-go-for-growth-with-the-support-of-art-business-loans/) - Phil Marsh always wanted to run his own business. With a background in corporate sales he describes himself as ‘forever looking out for the next opportunity’. He established M&BG in 2011 by merging two companies, and then set about growing it by further acquisition. “Originally we offered grounds maintenance, cleaning and window cleaning,” he says.
- [Shortlist of Britain’s top microentrepreneurs and responsible finance providers revealed](https://responsiblefinance.org.uk/2017/11/shortlist-of-britains-top-microentrepreneurs-and-responsible-finance-providers-revealed/) - 30.11.2017 A music equipment manufacturer and retailer; the UK’s first purpose built breastfeeding café; a traditional artisan fish smoke house; a social enterprise diverting food destined to landfill to a pay-as-you-feel café; a provider of consultancy to the pharmaceutical and food supplements industry; a hairdresser and an outdoor equipment manufacturer – what do these diverse
- [Responsible finance is the only real alternative to predatory lending](https://responsiblefinance.org.uk/2018/02/responsible-finance-is-the-only-real-alternative-to-predatory-lending/) - 05.02.2018 This week the FCA published an update on its work in the high cost credit market. A fuller picture of the FCA’s position and potential interventions in the rent to own, home credit, catalogue credit and overdraft markets is expected in May 2018. The FCA rightly recognises that there is a place in
- [New Research: Community Investment Tax Relief (CITR) and the Responsible Finance Sector](https://responsiblefinance.org.uk/2018/03/new-research-community-investment-tax-relief-citr-and-the-responsible-finance-sector/) - 16th March 2018 Today sees the publication of the first major piece of research into the impact of the Community Investment Tax Relief (CITR) since the scheme's launch in 2002. Completed by Community Investment Services Ltd the work was commissioned by the Power to Change and a number of responsible finance providers. The research found
- [Academic report published on future funding for business lending responsible finance providers](https://responsiblefinance.org.uk/2018/03/academic-report-published-on-future-funding-for-business-lending-responsible-finance-providers/) - An academic report ‘The Future of CDFI Business Lending’ has just been published (6th March 2018) and recommendations will be discussed at a Best Practice Workshop, hosted by one of the co-authors, at the Responsible Finance Annual Conference 2018 in Glasgow (21st March 2018). The report is the result of a two year research
- [UK-wide winners announced in Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/2018/03/uk-wide-winners-announced-in-citi-microentrepreneurship-awards/) - Four British firms awarded £7,500 prize in microentrepreneurship awards celebrating their success and support from responsible finance providers An artisan fish smokehouse, a maker of cajon percussion instruments, a chocolatier and a firm manufacturing and selling gear for climbers, bikers and outdoor enthusiasts took the top prizes in this year's Citi Microentrepreneurship Awards, delivered in
- [Responsible finance providers are key to tackling the ‘poverty premium’](https://responsiblefinance.org.uk/2018/04/responsible-finance-providers-are-key-to-tackling-the-poverty-premium/) - 18.04.2018 The average cost of the ‘poverty premium’ in 2017 was £490 per household per year, according to research by Bristol University. The poverty premium is when low income households pay more for essential goods and services. Bristol University estimate that low income households pay an additional £55.00 a year to access high cost credit
- [Access to finance is "largest barrier" to sustainability of UK Social Enterprises](https://responsiblefinance.org.uk/2011/09/access-to-finance-is-largest-barrier-to-sustainability-of-uk-social-enterprises/) - 14 September 2011. New research by Social Enterprise UK looks at the surge of the social enterprise market in UKs deprived communities.
- [Green and home improvement loans a "growing niche" for CDFIs](https://responsiblefinance.org.uk/2011/11/green-and-home-improvement-loans-a-growing-niche-for-cdfis/) - 2 November 2011. Not just loans to businesses... a new report looks at how CDFIs are operating in the home improvement market
- [Innovation Awards: Overall Winner](https://responsiblefinance.org.uk/2012/02/innovation-awards-overall-winner/) - SHIMMER (Smart Homes Integrating Meters Money Energy Research), a smart home energy pilot, brings vulnerable and fuel-poor households energy management and income maximisation services.
- [New Business Bank welcomed - but must work with CDFIs](https://responsiblefinance.org.uk/2012/09/new-business-bank-welcomed/) - CDFA today welcomed Vince Cable's announcement of £1bn backing for a British Business Bank - but said the new body must work with community finance providers otherwise starved small businesses won't benefit.
- [£60m small business scheme launched by Regional Growth Fund](https://responsiblefinance.org.uk/2012/10/60m-small-business-scheme-launched-through-regional-growth-fund/) - Business Secretary Vince Cable today launched a £60 million pot of Regional Growth Fund investment and bank finance at the Community Development Finance Association’s (CDFA) annual conference.
- [EFG Scheme delivers a net benefit of £1.1 billion to the economy](https://responsiblefinance.org.uk/2013/02/efg-scheme-delivers-a-net-benefit-of-1-1-billion-to-the-economy/) - New independent research on the Enterprise Finance Guarantee (EFG) scheme published last week found that it has delivered a net benefit of £1.1 billion to the economy. Every £1 invested by the government has delivered £33.50 for the economy.
- [Creating more jobs than ever before](https://responsiblefinance.org.uk/2014/04/creating-more-jobs-than-ever-before/) - The impact of CDFIs has grown massively in recent years. The jobs created and saved thanks to CDFIs have more than doubled in just one year.
- [A business kick start for social housing tenants](https://responsiblefinance.org.uk/2014/05/7434/) - The CDFA and HACT are teaming up to bring finance and support to social housing tenants who want to start up in business. Callum Anderson of the CDFA explains how
- [CDFA maps out how affordable credit can be available to all](https://responsiblefinance.org.uk/2014/06/cdfa-maps-out-how-affordable-credit-can-be-available-to-all/) - Affordable credit should be accessible to everyone in every community across the UK, and the CDFA has set out how this vision should be realised. In its Just Finance report, published today, the CDFA maps the six steps that are needed to ensure we all have this basic right – of access to fair finance.
- [Alternative lenders inject half a billion pounds into UK economy](https://responsiblefinance.org.uk/2014/12/alternative-lenders-inject-half-a-billion-pounds-into-uk-economy/) - Community-focused alternative lenders have contributed over half a billion pounds to UK GDP, according to new research from the CDFA, released today. The lenders have responded to increased demand for non-bank finance, and in the process helped to create 11,500 new businesses, supported over 20,000 jobs and aided 42,000 people avoid high-cost credit.
- [CDFA welcomes Government support for a sustainable future for CDFIs](https://responsiblefinance.org.uk/2015/02/cdfa-welcomes-government-support-for-a-sustainable-future-for-cdfis/) - The British Business Bank has today announced that it is commissioning new, independent research to facilitate a report on the sustainability of the CDFI sector. The report will be published in June.
- [Citizens UK launches proposal to save half a million people from debt](https://responsiblefinance.org.uk/2015/03/citizens-uk-launches-proposal-to-save-half-a-million-people-from-debt/) - A proposal to use £200m of fines on banks and payday lenders to support community finance organisations such as credit unions has today been launched by the national community organising charity Citizens UK. The idea, which is supported by the Archbishop of Canterbury’s Task Group on Responsible Credit and Savings, would see the creation of a Community Finance Foundation to help ethical alternatives to high-cost credit expand their reach and improve their sustainability. It is estimated that over the next five years such a venture would help 500,000 people avoid high-cost credit, saving them over £200m per year in interest and fees and reducing the cost of problem debt on wider society by £1.4bn.
- [Winners announced in the 2015 Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/2015/03/winners-announced-in-the-2015-citi-microentrepreneurship/) - Outstanding entrepreneurs and community lenders celebrated at national awards for their achievements in creating jobs, services and prosperity in their communities.
- [How do we meet the growing need for affordable credit?](https://responsiblefinance.org.uk/2015/04/how-do-we-meet-the-growing-need-for-affordable-credit/) - 13.04.2015 A new discussion paper by the Carnegie UK Trust has set out the need for a range of affordable alternatives to meet the demand for small sum short-term credit – including CDFIs and credit unions. “Meeting the need for affordable credit” makes clear the need for greater policy interventions to grow the affordable options
- [My Community](https://responsiblefinance.org.uk/2015/06/my-community/) - 19.06.2015 What would make your community a better place: a vibrant high street, more jobs, improved services, green spaces and a thriving local pub? The government introduced the Community Rights (Localism Act 2011) including neighbourhood planning laws and the Community Right to Bid giving you more of a say in your local area, and there
- [10 years of Responsible Finance](https://responsiblefinance.org.uk/2016/03/10-years-of-responsible-finance/) - £1.6 billion has been lent by responsible finance providers over the past 10 years according to our new report published today. The responsible finance market has experienced a rapid rise over the last ten years, with £1.6bn of loans supporting over 50,000 businesses and social enterprises. Our report also reveals that responsible finance has helped
- [Winners of Citi Microentrepreneurship Awards 2016 announced](https://responsiblefinance.org.uk/2016/03/winners-of-citi-microentrepreneurship-awards-2016-announced/) - Outstanding business and social enterprise leaders celebrated along with providers of responsible finance in UK Awards for achievements A prize pot of £65,000 has awarded to businesses, social enterprises, and responsible finance providers at the 2016 Citi Microentrepreneurship Awards on 8th March. The awards champion the outstanding microentrepreneurs and social entrepreneurs who are creating jobs,
- [Responsible Finance Autumn Statement respresentation](https://responsiblefinance.org.uk/2016/11/responsible-finance-autumn-statement-respresentation/) - Responsible Finance have submitted their Autumn Statement representation calling on HM Treasury to: increase focus on access to finance recognise the impact of the responsible finance sector enable the use of Enterprise Finance Guarantee (EFG) on Community Investment Tax Relief (CITR) investment guarantee EU facilities (such as Easi, Cosme, ERDF funding) create a responsible finance fund
- [Autumn Statement must support access to finance for hard-working families](https://responsiblefinance.org.uk/2016/11/autumn-statement-must-support-access-to-finance-for-hard-working-families/) - On Wednesday, 23rd November, the Chancellor will give his autumn statement. His options for manoeuvre are limited, with global economic turbulence on the rise and the Institute of Fiscal Studies warning that the Chancellor will need to borrow an additional £25 billion due to slower growth and higher inflation. UK personal debt continues to rise.
- [Building a more diverse financial sector](https://responsiblefinance.org.uk/2017/03/building-a-more-diverse-financial-sector/) - The following article was originally authored by Responsible Finance Chief Executive Jennifer Tankard for the Co-operative Party's policy pamphlet 'In Our Interests: Building an economy for all', published in January 2017. The dominance of a small number of large banks in the UK’s financial sector is unproductive, risky and ultimately unfair. It locks many people out of
- [Successful partnerships are key to tackling financial exclusion](https://responsiblefinance.org.uk/2017/05/successful-partnerships-are-key-to-tackling-financial-exclusion/) - Greater collaboration between existing local finance organisations could transform the lives of the millions of Britons excluded from mainstream financial services, according to new research from Responsible Finance. Tackling Financial Exclusion Through Local Finance Partnerships sets out a blueprint for successful partnerships that could be replicated across the United Kingdom. This report provides a step
- [Rewarding good business: £85k available in microentrepreneurship awards](https://responsiblefinance.org.uk/2017/10/rewarding-good-business-85k-available-in-microentrepreneurship-awards/) - 06.10.2017 Invitations open today for the Citi Microentrepreneurship Awards, the annual celebration of Britain’s microentrepreneurs that have accessed “responsible” business finance. Entrants will compete for a share of an £85,000 prize pot for this year’s awards. Four prizes of £7,500 each are available for microentrepreneurs in categories that recognise their sustainability and growth. In addition,
- [34% increase in customers of Responsible Finance providers](https://responsiblefinance.org.uk/2017/12/34-increase-in-customers-of-responsible-finance-providers/) - 07.12.2017 61,163 customers borrowed £235 million from the UK’s responsible finance providers in 2016-17, according to research published today. The figures, published in our new report “Responsible Finance: The industry in 2017” also reveal that: £67 million of business lending from responsible finance providers to over 5,000 businesses resulted in 4,270 new businesses created in
- [Actor and activist Michael Sheen to speak at Responsible Finance event](https://responsiblefinance.org.uk/2018/02/actor-and-activist-michael-sheen-to-speak-at-responsible-finance-event/) - 14.02.2018 Conference will address exploitation by high cost credit providers and "how to build a financial services sector that works for everyone" The stage and screen actor and founder of the End High Cost Credit Alliance, Michael Sheen, is to speak at Responsible Finance's Conference in March. Sheen, currently filming The Voyage of Doctor Dolittle,
- [Responsible Finance's Summer Briefing, July 2018](https://responsiblefinance.org.uk/2018/07/responsible-finance-summer-briefing-july-2018/) - Please find below Responsible Finance's bi-yearly briefing for all of our stakeholders. This provides an update of some of the many streams of activities that Responsible Finance and its members are involved in, to provide and promote access to fair and affordable credit across the UK. We hope you find it useful and interesting. If
- [Responsible Finance Leadership Development Programme](https://responsiblefinance.org.uk/2018/07/responsible-finance-leadership-development-programme/) - The world is awash with leadership books, courses and advice. In 2015 around 1,200 books were published with the word ‘leadership’ in the title. Type ‘leadership’ into a search on Amazon and you will have over 50,000 titles to peruse. Hundreds of MBA courses are available every year. You can find out how ‘Dogs
- [Watch Michael Sheen's speech at Responsible Finance 2018](https://responsiblefinance.org.uk/2018/03/michael-sheens-speech-at-responsible-finance-2018/) -  Actor and activist Michael Sheen launched the End High Cost Credit Alliance at Responsible Finance 2018 on 20 March in Glasgow. The event brought together many Alliance and Responsible Finance members, all focusing on providing affordable and fair finance. In Sheen's speech he highlighted the Alliance's pragmatic and collaborative approach and its five priorities.
- [Michael Sheen launches End High Cost Credit Alliance at Responsible Finance conference](https://responsiblefinance.org.uk/2018/03/michael-sheen-launches-end-high-cost-credit-alliance-at-responsible-finance-conference/) - Actor and activist Michael Sheen gave a rousing address at Responsible Finance's annual conference as he launched the End High Cost Credit Alliance and pledged support and resources for "fair finance" providers. The Alliance, "a movement founded by me but designed for you," according to Sheen, is a partnership of around 50 organisations and individuals.
- [3rd European Microfinance Day](https://responsiblefinance.org.uk/2017/10/3rd-european-microfinance-day/) - 20.10.2017 Today is the 3rd European Microfinance Day, an initiative co-organised by the European Microfinance Network (EMN) and the Microfinance Centre (MFC). This year the sector is drawing attention to the need to ensure fair access to finance, putting the focus on those who are underserved by the traditional banking sector. 23 organisations from 14 European
- [Yorkshire CDFI, Donbac, wins National Barclays Bank Award!](https://responsiblefinance.org.uk/2011/09/yorkshire-cdfi-donbac-wins-national-barclays-bank-award/) - 22 September 2011. Donbac, a CDFI operating in Doncaster, has won the Barclays Let’s Talk Contractor of the Year award
- [Responsible finance has written to the Chancellor requesting his support for the responsible finance sector](https://responsiblefinance.org.uk/2015/11/responsible-finance-has-written-to-the-chancellor-requesting-his-support-for-the-responsible-finance-sector/) - We have written the following letter to the Chancellor, George Osborne MP Dear Chancellor, We are writing to request that HM Government acts to ensure that the responsible finance industry can continue to drive growth and prosperity in the UK. Despite the economic recovery, we know that each year hundreds of thousands of people and
- [The responsible finance industry in 2015](https://responsiblefinance.org.uk/2015/12/responsible-finance-the-industry-in-2015/) - A record year for the responsible finance industry 07.12.2015 Responsible finance providers (formerly known as CDFIs) lent over £250 million in 2015, injecting nearly £600 million pounds into the UK economy. New research from the industry trade body, Responsible Finance, shows that demand for responsible finance grew by 30% in the last year, and lenders
- [Giordano Dell’Amore Microfinance Good Practices Europe Award](https://responsiblefinance.org.uk/2016/02/giordano-dellamore-microfinance-good-practices-europe-award/) - Fondazione Giordano Dell’Amore (FGDA) and European Microfinance Network (EMN) are glad to announce the eighth edition of the Giordano Dell’Amore Microfinance Good Practices Europe Award. The Award is open to any European institution or organisation directly or indirectly involved, for at least 12 months prior to the date of application, in the financial inclusion of
- [State of the Non-Profit Finance Function](https://responsiblefinance.org.uk/2016/02/state-of-the-non-profit-finance-function-2/) - Findings from this joint research between Responsible Finance and ACCA show that there is recognition across non-profit organisations that the finance function should play a driving role, as it does in the commercial sector. Despite this, the finance function is currently subject to under-investment, with resources directed towards short-term planning and objectives. The findings also
- [A Balanced Economy Needs Responsible Finance for Business](https://responsiblefinance.org.uk/2016/01/a-balanced-economy-needs-responsible-finance-for-business/) - It was fascinating to read the latest description of a two-tier Britain - in which meaningful job creation is lagging behind in vast swathes of the Midlands and the North compared with London and the South East, outlined in the new, annual Cities Outlook Report. Fascinating, but all too familiar. Centre for Cities' report found
- [Financial Inclusion Commission calls for new Minister for Financial Health](https://responsiblefinance.org.uk/2015/03/financial-inclusion-commission-calls-for-new-minister-for-financial-health/) - New report sets out vision for financially inclusive Britain and recommends measures to promote sustainability of community finance and for banks and other lenders to work more closely with community finance firms
- [Autumn Statement 2013](https://responsiblefinance.org.uk/2013/12/autumn-statement-2013/) - CDFIs can play a key role in delivering the growth, investment and employment that the Chancellor wants
- ["Proving the doubters wrong"](https://responsiblefinance.org.uk/2010/07/proving-the-doubters-wrong/) - Monday 12 July. Despite the early doubters, the sector is still here, stronger than ever.
- [Banks say demand is falling, CDFIs say it is rising. Who is right?](https://responsiblefinance.org.uk/2010/08/banks-say-demand-is-falling-cdfis-say-it-is-rising-who-is-right/) - Monday 9 August. Banks have changed their view of what a viable business looks like, with the result that many SMEs are losing out. But if they work through CDFIs, banks can reach and develop new markets.
- [Turning mission impossible into mission accomplished](https://responsiblefinance.org.uk/2010/08/turning-mission-impossible-into-mission-accomplished/) - Thursday 26 August. We need to demonstrate that our businesses are lean, mean, fighting machines to secure our place on the Coalition Government's agenda.
- [Micro business loans: vital to a healthy economy](https://responsiblefinance.org.uk/2010/10/micro-business-loans-vital-to-a-healthy-economy/) - Micro enterprise finance is a service our members provide that is particularly important in this difficult economic climate.
- [Vincent Cable backs the need for stronger relationship banking](https://responsiblefinance.org.uk/2011/08/vincent-cable-backs-the-need-for-stronger-relationship-banking/) - 29 July 2011. The cdfa applauds Vincent Cable’s speech this week which encouraged banks to seek stronger relationships with CDFIs
- [Yorkshire CDFIs to manage £600K fund for start up tech firms](https://responsiblefinance.org.uk/2011/09/yorkshire-cdfis-to-manage-new-300000-fund-for-start-up-technology-firms/) - 14 September 2011. Local businesses are able to borrow between £1,000 and £25,000
- [Finding funding for your business post credit crunch](https://responsiblefinance.org.uk/2011/09/finding-funding-for-your-business-post-credit-crunch/) - 29 September 2011. Unable to access the credit you need? CDFIs are here to help!
- [Major reforms to UK business support announced](https://responsiblefinance.org.uk/2011/10/major-reforms-to-uk-business-support-announced/) - 5 October 2011. BIS are changing the way advice and information is available to small businesses.
- [New Ways to Borrow: CDFIs promoted in the Economist](https://responsiblefinance.org.uk/2011/10/new-ways-to-borrow-cdfis-promoted-in-the-economist/) - In an article on predatory lending and high cost credit providers published in The Economist last week, CDFIs were described as another option for those seeking microfinance at affordable levels.
- [New research paper published on business support](https://responsiblefinance.org.uk/2011/10/new-research-paper-published-on-business-support/) - 17 October 2011. Interesting BIS commissioned research to understand the barriers to the take up and use of business support in the UK
- [Battling the legal loan sharks and expanding affordable credit](https://responsiblefinance.org.uk/2011/10/battling-the-legal-loan-sharks-and-expanding-affordable-credit/) - 18 October 2011. A series of articles and research on affordable credit provision and high cost lenders
- [European Code of Conduct for microcredit provision published](https://responsiblefinance.org.uk/2011/10/european-code-of-conduct-for-microcredit-provision-published/) - 25 October 2011. Providing recommendations and standards that should foster best practice in the microcredit sector.
- [Credit Unions to expand their services under new legislation](https://responsiblefinance.org.uk/2011/11/credit-unions-to-expand-their-services-under-new-legislation/) - 10 November 2011. Including allowing credit unions to provide services to community groups, attract investment from local businesses.
- [NEW The most innovative community finance providers of 2011 revealed!](https://responsiblefinance.org.uk/2011/12/the-most-innovative-community-finance-providers-of-2011-revealed/) - 13 December 2011. Bucking the credit crunch... shortlist revealed for upcoming CDFA Innovation Awards.
- [CDFA Manifesto Launch and Innovation Awards event special!](https://responsiblefinance.org.uk/2011/12/new-double-event-manifesto-launch-and-1st-annual-cdfa-innovation-awards/) - 31st Jan 2012 we launch our new vision for Community Finance and hold the 1st CDFA Innovation Awards!
- [CDFA member, Donbac, wins prestigious award](https://responsiblefinance.org.uk/2011/12/cdfa-member-donbac-wins-prestigious-award/) - 16 December 2011. Winners of outstanding contribution to the local economy.
- [CDFA Strategic plan published](https://responsiblefinance.org.uk/2012/03/cdfa-strategic-plan-published/) - This strategy lays out how we plan to achieve our five-year vision, and what we will do by 2017
- [As report ignores community finance, CDFA says Chancellor must act](https://responsiblefinance.org.uk/2012/03/chancellor-must-act/) - CDFA today expressed disappointment at the lack of acknowledgement of community finance in a new report about widening business access to new and alternative sources of finance
- [Now Wonga wants business' blood sweat and tears](https://responsiblefinance.org.uk/2012/05/now-wonga-wants-business-blood-sweat-and-tears/) - Ben Hughes, chief executive of the Community Development Finance Association today said news that high-cost lender Wonga is starting to offer loans to businesses confirms CDFA analysis of how large the gap in mainstream finance is - and shows that the Government needs to plough more support into community finance.
- [People struggling to pay for food and bills caught in a payday loans debt trap](https://responsiblefinance.org.uk/2012/05/people-struggling-to-pay-for-food-and-bills-caught-in-a-payday-loans-debt-trap/) - Over 60% of people who took out payday loans were using the money to pay for household bills or buying other essentials like food, nappies and petrol, a survey by Which? has revealed. CDFA's Chief Executive Ben Hughes comments on the figures below.
- [BUFFY "will help business find finance"](https://responsiblefinance.org.uk/2012/05/buffy-will-help-business-find-finance/) - BUFFY is a new website launched by the British Bankers' Association which brings into one place a wide range of finance providers including CDFIs
- [As Startup Loans are Go!, CDFIs can help - and can Make Business Your Business](https://responsiblefinance.org.uk/2012/05/as-startup-loans-are-go-cdfis-can-help-and-can-make-business-your-business/) - CDFA's chief executive Ben Hughes today welcomed a new package of loan finance and mentoring for young people wanting to start their own businesses - and said community finance providers are logical delivery partners for the scheme. And CDFIs feature within a new report on supporting start-up and small business development by the Prime Minister's enterprise adviser, Lord Young, which was launched today.
- [CDFA on Radio 4's You and Yours](https://responsiblefinance.org.uk/2012/06/cdfa-on-radio-4s-you-and-yours/) - CDFA's Sean Dennis was a guest on BBC Radio 4's You and Yours programme on Monday 25.06.2012. The segment looked at the growth of "microfinance' and alternatives to mainstream banking finance for businesses.
- [1 in 8 workers using payday loans - and losing three days' wages](https://responsiblefinance.org.uk/2012/06/1-in-8-workers-using-payday-loans-and-losing-three-days-wages/) - Workers are increasingly using payday loans because their wages run out before the end of the month, according to a new report published by the union Unite.
- [CDFIs fill the finance gap for businesses in need](https://responsiblefinance.org.uk/2012/07/cdfis-fill-the-finance-gap-for-businesses-in-need/) - By investing in businesses in disadvantaged communities or struggling to access mainstream credit, CDFIs help to bring employment opportunities and needed services to deprived communities.
- [CDFIs a lifeline for 21,000 households - saving many from loan sharks](https://responsiblefinance.org.uk/2012/07/cdfis-a-lifeline-for-21000-households-saving-many-from-loan-sharks/) - Consumer loans from CDFIs have increased by 35% in the last financial year
- [Dave lends where banks don't - just like CDFIs](https://responsiblefinance.org.uk/2012/07/bank-of-dave/) - He likes bananas and he's not a fan of banks. So plain-speaking David Fishwick decided he wanted to launch a bank with a difference. A new 2-part series on Channel 4, which began last night, told his story.
- [£80bn scheme a missed opportunity for businesses who won't see a penny](https://responsiblefinance.org.uk/2012/07/small-businesses-wont-see-penny/) - The government has missed a vital opportunity to help the most vulnerable businesses in the UK, said CDFA's Ben Hughes today, adding "small local businesses starved of bank finance won't see a penny of this fund.”
- [New figures show collapse in bank lending, and unsung heroes filling gaps](https://responsiblefinance.org.uk/2012/07/as-banks-lending-collapses-unsung-heroes/) - The Bank of England's latest Trends in Lending report (pdf) has confirmed that lending to UK businesses fell by £3bn in the three months to May, with small and medium-size enterprises (SMEs) especially hard hit.
- [Banking Reform proposals do not adequately support economic growth](https://responsiblefinance.org.uk/2012/09/banking-reform-proposals-do-not-adequately-support-economic-growth/) - 07.09.2012: The UK’s banks need to re-focus on the core business of ‘lending to the real economy so as to contribute to balanced and sustainable growth’ according to a submission to the Banking Reform White Paper, issued today.
- [Guest blog: it's all about the money](https://responsiblefinance.org.uk/2012/10/guest-blog-its-all-about-the-money/) - Are CDFIs missing a crucial point: "that the enterprises they fund are often rarely supported and enabled to appreciate and respect the minutiae of commercial financial management," asks Lucy Haughey in this guest blog.
- [Government commits to disclosure of 'postcode level' lending data](https://responsiblefinance.org.uk/2012/11/government-commits-to-disclosure-of-postcode-level-lending-data/) - The Government has made a commitment to collate and publish bank lending data on a postcode-level basis - and says legislation will follow if "negotiations with industry fail to deliver."
- [CDFA welcomes future cap on payday lenders' rates](https://responsiblefinance.org.uk/2012/11/cdfa-welcomes-future-cap-on-payday-lenders-rates/) - CDFA has welcomed a Government commitment to amend the Financial Services Bill which will give the new financial regulator the power to cap interest rates on payday loans.
- [Community lenders best placed to deliver £300m boost for SMEs](https://responsiblefinance.org.uk/2013/04/community-lenders-best-placed-to-deliver-300m-boost-for-smes/) - Vince Cable’s announcement that an additional £300m will be made available to SMEs through the business bank is a welcome and much needed step forward. To ensure that this money quickly gets to where it is needed, community development finance institutions (CDFIs) are the obvious vehicle to make it happen.
- [Demand for non-bank business loans increases](https://responsiblefinance.org.uk/2013/04/demand-for-non-bank-business-loans-increases/) - Non-bank community lenders saw an increase in demand from businesses of 36% in the first quarter of 2013, according to the Community Finance Monitor survey. This bucks the trend reported in today’s Bank of England Trends in Lending report, which says demand for bank credit remained weak in quarter one, and that demand from small businesses fell.
- [My Home Finance wins Responsible Lender of the Year](https://responsiblefinance.org.uk/2013/06/my-home-finance-wins-responsible-lender-of-the-year-award/) - Congratulations to CDFA member My Home Finance which won Responsible Lender of the Year at the recent Credit Today Awards.
- [UK social investment market grows to £202m](https://responsiblefinance.org.uk/2013/07/uk-social-investment-market-grows-to-202m/) - The UK social investment market has grown according to a new report that tracked intermedaries to 2012.
- [Bank lending disclosure is good news for poor communities](https://responsiblefinance.org.uk/2013/07/bank-lending-disclosure-is-good-news-for-poor-communities/) - Local lenders are celebrating a breakthrough in their campaign for fair access to finance across the UK, following the government’s announcement that banks will publish lending data from January.
- [CDFA welcomes church plans to put Wonga out of business](https://responsiblefinance.org.uk/2013/07/cdfa-welcomes-church-plans-to-put-wonga-out-of-business/) - The Church of England plans to force payday lender out of business - by competing against it. CDFIs and credit unions provide the solution.
- [The credit union payday loan](https://responsiblefinance.org.uk/2013/09/the-credit-union-payday-loan/) - A new report has found that a credit union payday loan product could break even in the long-term and has proved very popular. London Mutual Credit Union has piloted the use of a payday loan product, funded through the Barclays Community Finance Fund and Friends Provident Foundation.
- [New rules to tackle payday lenders, but where is the support for ethical alternatives?](https://responsiblefinance.org.uk/2013/10/new-rules-to-tackle-payday-lenders-but-where-is-the-support-for-ethical-alternatives/) - FCA proposals to restrict practices of payday lenders are very welcome. We also need to invest in our communities and community lenders.
- [Governnment to introduce interest rate cap](https://responsiblefinance.org.uk/2013/11/governnment-to-introduce-interest-rate-cap/) - The government has announced that the cost of payday loans will be capped under a new law. In a surprise move, Chancellor George Osborne said there would be controls on charges, including arrangement and penalty fees, as well as on interest rates.
- [Top microenterprises rewarded with £65,000 in national award scheme](https://responsiblefinance.org.uk/2014/02/top-microenterprises-rewarded-with-65000-in-national-award-scheme/) - Organisations and individuals recognised for impact they have had in communities across the UK Champions of locally-based finance for microenterprises rewarded at 12th February Awards Ceremony in Bristol, featuring BBC Breakfast’s Steph McGovern [Image: Steph McGovern at the Awards ceremony, photo Chris Hughes] The Citi Microentrepreneurship Awards, in partnership with the Community Development Finance Association
- [Budget 2014](https://responsiblefinance.org.uk/2014/03/budget-2014/) - 19.03.2014 George Osborne, the Chancellor of the Exchequer, delivered the Government’s 2014 budget, which included some welcomed news concerning support for social enterprises and small and medium sized enterprises (SMEs). The Chancellor’s speech highlighted the stronger-than expected growth in the UK economy, while underlining the need to keep investing in our enterprises to achieve a
- [Green, gourmet and graveyard businesses announced as finalists for Microentrepreneur of the Year Award](https://responsiblefinance.org.uk/2014/12/green-gourmet-and-graveyard-businesses-announced-as-finalists-for-microentrepreneur-of-the-year-award/) - A renewable energy firm, a luxury chocolate shop and an innovative management system for graveyards are among the businesses announced as finalists for this year’s UK Citi Microentrepreneurship Awards. The national awards scheme celebrates innovative and growing businesses that have taken off with the help of alternative finance from community lenders (known as CDFIs).
- [CDFIs generate £100m of ‘extra value’ for the local economy through RGF](https://responsiblefinance.org.uk/2014/09/cdfis-generate-100m-of-extra-value-for-the-local-economy-through-rgf/) - Community lenders have generated over £100m in ‘extra economic value’ through a government-backed fund supporting small businesses and social enterprises in England. Figures from the Community Development Finance Association (CDFA) have revealed that loans made by its members have delivered economic value worth more than five times the original funding [1].The funding has already secured over 2,600 jobs for English towns and cities, creating substantial benefits for the government and local economies.
- [Bank referral legislation is welcome news for SMEs](https://responsiblefinance.org.uk/2014/08/bank-referral-legislation-is-welcome-news-for-smes/) - The CDFA welcomes George Osborne’s announcement that the Government will introduce legislation that will require banks to refer decline customers to alternative providers. The proposed new rules mean that high street banks will have to offer to connect SMEs that they decline for loans to alternative sources of finance.
- [Bank disclosure of lending data provides “ideal opportunity” for mainstream banks to partner with CDFIs](https://responsiblefinance.org.uk/2013/12/bank-disclosure-of-lending-data-provides-ideal-opportunity-for-mainstream-banks-to-partner-with-cdfis/) - The CDFA welcomes tomorrow’s disclosure of lending data at postcode level by the high street banks – and offers banks the opportunity of working with their members to reach hard to reach markets.
- [CDFA welcomes Commission on Banking Standards report](https://responsiblefinance.org.uk/2013/06/cdfa-welcomes-commission-on-banking-standards-report/) - New independent report highlights the the importance of CDFIs
- [Time to get ruthless?](https://responsiblefinance.org.uk/2013/05/time-to-get-ruthless/) - Banks lend to the most profitable customers. CDFIs lend to customers that are seen as less-profitable, more-risky. They lend smaller amounts, they build relationships with customers and, in most cases, also provide support and advice. This could be giving money management advice to a customer, or helping a social enterprise with its business plan. It is these value added services that are a core part of the CDFI’s social mission, and a core reason why they are effective at helping enterprises and families.
- [Ethical lending on the rise as bank lending falls](https://responsiblefinance.org.uk/2013/04/ethical-lending-on-the-rise-as-bank-lending-falls/) - New research from the CDFA shows that demand for CDFI loans has doubled in the last two years and has now hit almost £1 billion.
- [Families could save £2.1billion with ethical lenders](https://responsiblefinance.org.uk/2013/04/families-could-save-2-1billion-with-ethical-lenders/) - The seven million people currently using payday and doorstep lenders could save £2.1billion if they used ethical alternatives, according to new research released today. Community development finance institutions (CDFIs) are non-profit lenders that operate across the UK. Last year demand for their services more than doubled.
- [Regional banks needed to restore trust and boost lending – says Ed Miliband](https://responsiblefinance.org.uk/2013/03/regional-banks-needed-to-restore-trust-and-boost-lending-says-ed-miliband/) - Labour would seek to establish a network of regional banks if elected, to help small business get access to finance, Ed Miliband has said.
- [Charity trustees need help with social investment, says Charity Commission report](https://responsiblefinance.org.uk/2013/03/charity-trustees-need-help-with-social-investment-says-charity-commission-report/) - Charity trustees need more support and information to become involved in social investment, according to a report written for the Charity commission.
- [CDFIs help Start-Up Loans exceed expectations](https://responsiblefinance.org.uk/2013/03/cdfis-help-start-up-loans-exceed-expectations/) - 2,000 young entrepreneurs have now had their business dreams backed through the Start-Up Loans programme, and community finance providers are playing a key role. The Start-Up Loans Company, which administers the scheme and is chaired by Dragon’s Den entrepreneur James Caan, has helped to start 1,000 new businesses in the last month alone.
- [Payday lenders given 12 weeks to change their ways](https://responsiblefinance.org.uk/2013/03/payday-lenders-given-12-weeks-to-change-their-ways/) - The OFT has found widespread evidence of irresponsible lending and breaches of the law across the payday sector. The damning report, which follows a year long review of the £2bn sector, said too many people were being granted loans they could not afford to repay, and lenders' revenues were heavily reliant on customers failing to repay their original loan in full and on time.
- [Banks are making fewer loans, in spite of Funding for Lending](https://responsiblefinance.org.uk/2013/03/banks-are-making-fewer-loans-in-spite-of-funding-for-lending/) - The Bank of England has announced that net lending fell by £2.4bn in the final quarter of 2012 compared with the previous three months. The Funding for Lending (FLS) scheme, which began in August last year, was designed to encourage banks to lend more money, both to individuals and businesses, and boost the economy.
- [Business lending and access to finance - next steps for Government’s strategy](https://responsiblefinance.org.uk/2013/02/business-lending-and-access-to-finance-next-steps-for-governments-strategy/) - Westminster Business Forum is hosting a Seminar on the morning of Thursday 25th April, focusing on what more can be done to support business lending and access to finance for UK businesses.
- [Strong Growth in new businesses](https://responsiblefinance.org.uk/2013/01/strong-growth-in-new-businesses/) - The GDP figures today showing a decline of 0.3% may not inspire confidence in recent performance or assurances about the future, however as well as the good news concerning rising employment there is a surge in entrepreneurial activity bubbling beneath the surface.
- [Tories propose creation of local business banks across Wales](https://responsiblefinance.org.uk/2013/01/tories-propose-creation-of-local-business-banks-across-wales/) - A network of local “banks” should be created across Wales to invest in SMEs, according to the Welsh Conservatives. The party’s Invest Wales policy is launched today and aims to reverse low access to finance for SMEs in Wales
- [CDFIs join expanded Start-Up Loans scheme to create the next generation of entrepreneurs](https://responsiblefinance.org.uk/2013/01/cdfis-join-expanded-start-up-loans-scheme-to-create-the-next-generation-of-entrepreneurs/) - A consortium of community finance providers has received up to £1.3million to give the next generation of entrepreneurs finance and support to start their own business, , through the Start-Up Loans programme. The consortium is led by the Community development Finance Association (CDFA) with a group of its members delivering business support, mentoring and loans to young entrepreneurs across England.
- [Tackling Britain’s high cost credit problem](https://responsiblefinance.org.uk/2013/01/tackling-britains-high-cost-credit-problem/) - The Centre for Responsible Credit is holding a conference to discuss the latest developments in the high cost credit sector and consider what now needs to be done.
- [£30 million boost for young entrepreneurs as Start-Up Loans Scheme expanded](https://responsiblefinance.org.uk/2013/01/30-million-boost-for-young-entrepreneurs-as-start-up-loans-scheme-expanded/) - Over £110 million now available and age range increased from 24 to 30 to meet demand and help more new businesses get affordable finance
- [OFT warns payday lenders they could be shut down if they don’t clean up their act](https://responsiblefinance.org.uk/2012/11/oft-warns-payday-lenders-they-could-be-shut-down-if-they-dont-clean-up-their-act/) - The Office for Fair Trading has said that most of the 50 major payday lenders it has scrutinised since launching an investigation earlier this year failed to comply with legal obligations and expected standards. The OFT told the 50 biggest firms that they may face enforcement action, which could mean putting them out of business. The regulator has also warned the UK's 240 payday firms about growing evidence of poor practices in the sector.
- [BBC Wales discovers community finance](https://responsiblefinance.org.uk/2012/11/bbc-wales-discovers-community-finance/) - BBC Radio Wales recently reported from the Alternative finance for Welsh micro businesses conference. The Wales at Work programme featured the CDFA’s Harry Glavan talking about community finance and the role of CDFIs in meeting the demand for credit.
- [Don Foster launches the Community Shares Unit at CDFA conference](https://responsiblefinance.org.uk/2012/10/don-foster-launches-the-community-shares-unit-at-cdfa-conference/)
- [Business demand for community loans soars](https://responsiblefinance.org.uk/2012/10/business-demand-for-community-loans-soars/) - New figures on business lending from community finance providers show they are lending to more businesses unable to access finance from banks than ever before - but demand outstripped supply by over seven times.
- [Payday loans soar](https://responsiblefinance.org.uk/2012/09/payday-loans-soar/) - 17.09.2012 BBC News Personal Finance Correspondent, Simon Gompertz, writes on his blog today that loans and profits at high interest lender Wonga have soared in the last 12 months.
- [Social Investment demand could be £1billion by 2016](https://responsiblefinance.org.uk/2012/09/social-investment-demand-could-be-1billion-by-2016/) - 13.09.2012 A new report says that demand in the social investment market in England could reach £1 billion by 2016, six times what it is today.
- [Big Society Capital announces first investments and will invest £50m by year end](https://responsiblefinance.org.uk/2012/09/big-society-capital-first-investments/) - 13.09.2012 Big Society Capital - the world's first social investment bank - today announced details of initial investment commitments totalling £37m since it was launched in April 2012.
- [DWP investment “to secure future of credit unions” and other social lenders](https://responsiblefinance.org.uk/2012/06/dwp-investment-to-secure-future-of-credit-unions-and-other-social-lenders/) - CDFA's Ben Hughes welcomes investment into the social lending sector - but says more is needed to reach all communities across the UK.
- [BCC say results encouraging but access to finance a real problem for many firms](https://responsiblefinance.org.uk/2012/04/bcc-say-results-encouraging-but-access-to-finance-a-real-problem-for-many-firms/) - John Longworth, director general of the BCC (British Chambers of Commerce) today called for more action on access to finance for business as the BCC published its latest Quarterly Economic Survey.
- [Social Impact Bond video](https://responsiblefinance.org.uk/2010/11/social-impact-bond-video/) - Tuesday 2 November. Be Inspired films, in partnership with Social Enterprise magazine, have created a short film about the Social Impact Bond - a new way of using social investment to reduce reoffending rates.
- [BIS states it will "continue to work through CDFIs"](https://responsiblefinance.org.uk/2010/11/bis-states-it-will-continue-to-work-through-cdfis/) - Monday 1 November Monday 1 November. In a sign of our lobbying success, the Government has this morning stated that it "recognises that CDFIs can play an important role" in helping enterprises to flourish in disadvantaged areas.
- [Awards recognition for community loans portal](https://responsiblefinance.org.uk/2010/10/awards-recognition-for-community-loans-portal/) - Friday 15 October. The cdfa is celebrating today after learning that a new finance portal it is developing has been shortlisted for a prestigious international award for microfinance.
- [Enterprise Allowance welcome – but banks may still not lend](https://responsiblefinance.org.uk/2010/10/enterprise-allowance-welcome-but-banks-may-still-not-lend/) - Tuesday 5 October. The cdfa has welcomed the Government’s Enterprise Allowance scheme, announced at the Conservative Party Conference by Iain Duncan Smith, which will provide would-be entrepreneurs with coaching, mentoring and a financial package worth up to £2000.
- [BIS publishes details of 56 Local Enterprise Partnership proposals](https://responsiblefinance.org.uk/2010/09/bis-publishes-details-of-56-local-enterprise-partnership-proposals/) - Tuesday 7 September. The Department for Business, Innovation and Skills (BIS) has published a list of 56 new Local Enterprise Partnerships (LEPs) that have been proposed by businesses and local authorities.
- [Government recognises the importance of CDFIs in lending consultation](https://responsiblefinance.org.uk/2010/07/government-recognises-the-importance-of-cdfis-in-joint-publication-by-bis-and-the-treasury/) - Thursday 29 July. A joint BIS and Treasury consultation document, Financing the Private Sector Recovery stresses the importance of community finance.
- [David Cameron announces Big Society Bank](https://responsiblefinance.org.uk/2010/07/david-cameron-announces-big-society-bank/) - Thursday 22 July. David Cameron this week outlined plans for the new Big Society Bank, and announced the country’s first 'Big Society communities' in Sutton, Windsor and Maidenhead, Eden Valley in Cumbria and Liverpool.
- [Mail on Sunday advises small businesses to seek out CDFIs](https://responsiblefinance.org.uk/2010/07/mail-on-sunday-advises-small-businesses-to-seek-out-cdfis/) - Monday 12 July. The Mail on Sunday profiled cdfa member Fredericks Foundation this Sunday, as part of an article on CDFIs as alternative sources of finance for small businesses.
- [Ed Mayo becomes cdfa Honorary President](https://responsiblefinance.org.uk/2010/06/ed-mayo-becomes-cdfa-honorary-president/) - Wednesday 30 June. Ed Mayo, Secretary General of Co-operatives UK, has accepted the cdfa's invitation to become its new Honorary President.
- [The cdfa's response to the Budget](https://responsiblefinance.org.uk/2010/03/the-cdfas-response-to-the-budget/) - The Community Development Finance Association (cdfa) has welcomed a proposal to ensure that banks help to provide more services to people on low incomes, contained in the Budget report.
- [Welcome for government report’s "ringing endorsement" of UK CDFIs](https://responsiblefinance.org.uk/2010/03/welcome-for-government-reports-ringing-endorsement-of-uk-cdfis/) - The cdfa has welcomed a new government report that calls for continued public sector support for the UK’s community development finance institutions
- [Coalition calls for more help for the financially excluded](https://responsiblefinance.org.uk/2010/03/coalition-calls-for-more-help-for-the-financially-excluded/) - The Better Banking campaign, of which cdfa is a founding member, has today called on banks to offer their services to millions of people who are excluded from using them
- [New credit crunch figures: Government must act to help small businesses in deprived areas](https://responsiblefinance.org.uk/2010/02/new-credit-crunch-figures-government-must-act-to-help-small-businesses-in-deprived-areas-2/) - As new figures suggest that nearly 60% of small businesses were refused credit by their bank in the last year, the cdfa is calling on the Government to increase its investment in CDFIs to help businesses in the most disadvantaged communities.

## Pages

- [Homepage](https://responsiblefinance.org.uk/) - The UK finance system has a superpower: responsible finance providers Community Development Finance Institutions (CDFIs) are locally-rooted social enterprises. They fund people, businesses and social enterprises who can’t get the finance they need from other lenders. This video covers a £154m boost for small business finance: new initiatives will turbocharge CDFI lending to SMEs and
- [Responsible Finance Team](https://responsiblefinance.org.uk/about/rf-team/) - Meet the team working to strengthen the UK’s responsible finance sector and support community development finance institutions (CDFIs) across the UK.
- [The United Nations Sustainable Development Goals](https://responsiblefinance.org.uk/understanding-responsible-finance/sustainable-development-goals/) - Explore how responsible finance supports economic, social and environmental impact aligned with the UN Sustainable Development Goals.
- [Our members](https://responsiblefinance.org.uk/membership/our-members/) - Explore Responsible Finance members across the UK and discover the organisations providing fair and responsible finance to people, businesses and social enterprises.
- [Membership of Responsible Finance](https://responsiblefinance.org.uk/membership/benefits-of-membership/) - Discover Responsible Finance membership and how we represent, connect and support responsible finance providers across the UK.
- [Case studies](https://responsiblefinance.org.uk/understanding-responsible-finance/case-studies/) - Explore real-life stories showing how responsible finance and CDFIs support people, businesses and social enterprises across the UK.
- [Our impact](https://responsiblefinance.org.uk/understanding-responsible-finance/lending-statistics/) - Explore the latest data on responsible finance in the UK, including CDFI lending, customers reached, businesses supported, jobs and community impact.
- [How to find responsible finance](https://responsiblefinance.org.uk/understanding-responsible-finance/how-to-find-responsible-finance/) - Looking for finance? Use Finding Finance to explore responsible finance providers for people, businesses and social enterprises across the UK.
- [Who provides responsible finance?](https://responsiblefinance.org.uk/understanding-responsible-finance/who-provides-responsible-finance/) - Learn about CDFIs and the mission-led finance providers supporting people, businesses and social enterprises across the UK.
- [What is responsible finance?](https://responsiblefinance.org.uk/understanding-responsible-finance/what-is-responsible-finance/) - Discover what responsible finance is, how CDFIs widen access to fair finance, and the impact they create for people, businesses and communities.
- [Understanding responsible finance](https://responsiblefinance.org.uk/understanding-responsible-finance/) - Learn how responsible finance helps people, businesses and social enterprises access fair and affordable finance and creates positive impact across the UK.
- [Code of practice](https://responsiblefinance.org.uk/membership/code-of-practice/) - Explore the principles and standards that define responsible finance and guide our members to deliver fair, responsible and mission-led lending.
- [Contact us](https://responsiblefinance.org.uk/about/contact/) - Get in touch with Responsible Finance: 7-10 Adam Street,London WC2N 6AA Email: info@responsiblefinance.org.uk [Journalists and media – we often supply comments, interviews and case studies about access to finance / affordable credit / financial inclusion / debt, relating to businesses, social enterprises and people. See our press and media page and contact Jamie Veitch on 07904
- [Supporters](https://responsiblefinance.org.uk/about/supporters/) - We work closely with a range of supporters, who have a wealth of experience and expertise in the field of responsible finance: Cooperative and Community Finance Co-operative and Community Finance is an award-winning lender who has supported hundreds of businesses from small community-led enterprises to large, award-winning organisations. It exclusively serves the co-operative and social
- [Who we work with](https://responsiblefinance.org.uk/about/who-we-work-with/)
- [What we do](https://responsiblefinance.org.uk/about/what-we-do/) - We are the national membership body for responsible finance providers. Our vision is to create a fair financial system in the UK by scaling up the community development finance sector. This will enable investment to flow into communities to create positive economic, social and environmental impact. No viable business left unsupported; no person forced into
- [MP Visits](https://responsiblefinance.org.uk/policy-research/mp-visits/) - Help your local MP see responsible finance in action. Download practical templates to plan a CDFI visit and showcase your impact in the community.
- [Impact Report 2026](https://responsiblefinance.org.uk/policy-research/impactreport/) - Powering people, places and purpose Responsible lending that drives growth and productivity while building a happier, wealthier society In 2025, CDFIs lent: £ 0 m 21% more than 2024 and £100m more than 2023. Read Our Impact Report £ 0 m to start-ups and small businesses kickstarting 5,741 new businesses and creating 7,399 new jobs
- [Impact Report 2025](https://responsiblefinance.org.uk/policy-research/impactreport25/) - Soaring to new heights: Where growth meets inclusion In 2024 CDFIs lent a record amount to businesses, social enterprises and people, fuelling inclusive economic growth and fostering financial resilience. lent £ 0 m customers 0 Read Our Impact Report check out our infographic 2024: the year the sector soared to new heights 2024 was a
- [NatWest Hardship Grants](https://responsiblefinance.org.uk/natwest-hardship-grants/) - “A lifeline when I needed it” NatWest Group and Responsible Finance Hardship Grant Programme “At the moment I am waiting for my job to start, however I do not have a single penny to my name, nor do I have savings. I simply needed the money to get me through my essentials until I get
- [Join as a Supporter](https://responsiblefinance.org.uk/membership/become-a-supporter/) - Tens of thousands of businesses, social enterprises and people thrive every year thanks to community development finance. But many more are still excluded from affordable finance when they need it. Our supporters are varied: individuals and organisations, banks, fintechs, consultancies, other businesses, local authorities, housing associations, charities and many others. They share a determination to
- [Join as a Member](https://responsiblefinance.org.uk/membership/become-a-member/) - We welcome and encourage responsible finance providers to join us as members. See how we define responsible finance here. Membership criteria All Members must: Demonstrate a positive contribution to community, economic and social development and the environment within communities or markets that are not adequately served by mainstream financial service providers. Demonstrate accountability and transparency
- [How microlenders transform lives and local economies](https://responsiblefinance.org.uk/microlending/) - Many people who want to work, become self-employed or start a business struggle to get finance and support, especially if they: have been unemployed or ill are migrants or refugees with the right to work have been or are vulnerable are former prisoners Six specialist CDFIs provide mentoring, grants, and no-and low-interest small loans to
- [Compliance Training 2025](https://responsiblefinance.org.uk/annual-online-compliance-training/) - We’re pleased to share two excellent compliance training opportunities, available at a discounted rate for our members to support your professional development and regulatory responsibilities. Recommended by CDFIs you can use one or both of the following providers. For a full suite of training for Business, Social Enterprise, Personal and Micro Lenders... Skillcast: Core Compliance
- [](https://responsiblefinance.org.uk/funding-innovation/developmentgrants/) - NatWest Group’s investment in strengthening personal lending CDFIs “This project has enhanced the resilience of Adage Credit and facilitated the provision of financial services to a greater number of financially excluded individuals, particularly those from underserved ethnic minority communities who are not accessible through mainstream financial institutions.” Adage Credit. Between 2023 and 2024, Responsible Finance
- [Test](https://responsiblefinance.org.uk/test/) - Natwest grants project by Eleanor Russell
- [Board of Directors](https://responsiblefinance.org.uk/about/boardofdirectors/)
- [2024 Member Day](https://responsiblefinance.org.uk/memberday/) - Our 2024 Member Day is for members, partners, stakeholders and supporters of community and social purpose finance. It's a day to learn, share best practice, and find new ways to boost access to finance for people, businesses and social enterprises. Weds 27 November 2024 at the Bluecoat Contemporary Arts Centre in the heart of Liverpool. For
- [Purple Shoots – Loan investment from individuals](https://responsiblefinance.org.uk/purple-shoots-loan-investment-from-individuals/) - About Purple Shoots is a responsible finance provider lending to microbusinesses, operating across the whole of Wales and parts of England including Yorkshire and the West Country. This case study demonstrates how investors can lend to CDFIs through CITR and earn a return through the tax relief. Amount raised Since 2014 Purple Shoots has raised
- [Newsletter](https://responsiblefinance.org.uk/newsletter/) - [newsletter]
- [About us](https://responsiblefinance.org.uk/about/) - We are the national membership body for responsible finance providers. Our vision is to create a fair financial system in the UK by scaling up the community development finance sector. This will enable investment to flow into communities to create positive economic, social and environmental impact. No viable business left unsupported; no person forced into
- [Test Slider](https://responsiblefinance.org.uk/test-slider/) - “I just wanted to thank you from the bottom of my heart”“I never expected this or knew it existed. I work the equivalent of two full-time jobs but as a single mother I still struggle with bills being so high. I am overwhelmed you were able to offer me this payment, it will really help
- [Microsite](https://responsiblefinance.org.uk/microsite-2/) - “THEY BELIEVED IN ME.” RESPONSIBLE FINANCE IMPACT REPORT 2023 CDFIs are mission-driven lenders. Each and every CDFI is a social enterprise.They play a vital and growing role turning a “no” from banks and otherlenders into a “yes.” When others are pulling down the shutters, CDFIs dareto lend, making informed, evidence-driven decisions. IN 2022, CDFIS
- [Annual Industry Report](https://responsiblefinance.org.uk/annual-industry-report/) - Money “makes the world go around.” Without fit-for-purpose finance on fair terms, businesses can’t grow and create jobs, social enterprises are unable to deliver vital frontline services, and millions of households are prey for loan sharks. Community Development Finance Institutions (CDFIs, community lenders) advanced more than £228m in UK communities in 2021, a 32% increase
- [Annual Industry Report - Personal](https://responsiblefinance.org.uk/annual-industry-report-personal-2/) - Building a better future. Personal lending report 2021. £36 million lent in 42,000 loans to 31,000 customers. £11 million in interest repayments saved compared to high-cost credit. About the report, Theodora Hadjimichael, Chief Executive of Responsible Finance said: "Saving someone on a low income hundreds of pounds a year in interest, or protecting their credit
- [The Community Investment Tax Relief (CITR)](https://responsiblefinance.org.uk/the-community-investment-tax-relief-citr/) - About CITR What is CITR? The Community Investment Tax Relief (CITR) scheme encourages investment in disadvantaged communities by giving tax relief to investors who back businesses and other enterprises in less advantaged areas by investing in accredited Community Development Finance Institutions (CDFIs). This is the terminology used by the Government to describe responsible finance providers
- [They believed in me](https://responsiblefinance.org.uk/they-believed-in-me/)
- [Member Impact Reports](https://responsiblefinance.org.uk/members/recent-newsletters-2/) - Here you can find examples of our members' impact reports. Business Lending Social Enterprise Lending Personal and Home Improvement Lending
- [Consultations](https://responsiblefinance.org.uk/policy-research/consultations/) - We regularly respond to government and other public consultations, representing our members on key areas of policy and regulation and making the case for an enabling environment. Recent consultation responses:
- [Publications](https://responsiblefinance.org.uk/policy-research/publications/)
- [Tax Reliefs & Guarantees](https://responsiblefinance.org.uk/policy-research/tax-reliefs-guarantees/) - There are a range of tax reliefs and guarantees available to responsible finance providers and their investors: Community Investment Tax Relief The Community Investment Tax Relief (CITR) scheme was devised to stimulate the flow of private finance to support enterprise in the UK’s deprived communities. It was established under the Finance Act 2002 and is
- [Lending Maps](https://responsiblefinance.org.uk/policy-research/lending-maps/) - Business lending - getting finance to where it is most needed Responsible finance providers have a flexible approach in determining the viability of a business and a different risk appetite to banks which allows them to lend to business who are otherwise excluded. Responsible finance business lending data has been mapped with bank SME lending
- [Information For Investors](https://responsiblefinance.org.uk/the-community-investment-tax-relief-citr/the-community-investment-tax-relief-citr-page-2/) - Making an investment Relief under the CITR scheme is available to individuals and companies who invest in accredited CDFIs. To qualify for relief the investment must be: Loans which can be investments from banks, corporations and individuals. Equity investment raised through the sale of shares. Accredited CDFIs that have a co-operative and community benefit legal
- [Training](https://responsiblefinance.org.uk/training/) - Responsible Finance are working with Compliance Training Products to offer our Members outstanding value to renew your Compliance Training for 2022. This online training will allow you to meet your obligations with minimal disruption and protect your organisation by ensuring key staff are fully conversant with any changes to regulatory requirements. Covering key topics: Anti-money
- [Donate](https://responsiblefinance.org.uk/about/donate/) - Tens of thousands of businesses, social enterprises and people thrive every year thanks to Community Development Finance Institutions (CDFIs). But many more are still excluded from affordable options. It's time to grow community development finance institutions. For people. For jobs. For businesses and social enterprises. To make "levelling-up" real, so communities can create opportunity and
- [Briefings, Resources and Updates](https://responsiblefinance.org.uk/members/updates/) - SME LIBOR Transition FAQ The full Webinar recording can be accessed on the CDFA website, here.
- [Technology Resources](https://responsiblefinance.org.uk/members/technology-resources/) - Fair4All Finance technology 101 webinar (January 2021) Fair4All Finance’s ‘Technology 101 webinar’ is aimed at leaders of Credit Unions and CDFIs without a background in technology who are making decisions about technology for their organisations. On the call they explore: Demystifying technology – some foundational basics and explanations of some of the terminology used Technology
- [Technology Resources](https://responsiblefinance.org.uk/technology-resources/) - Fair4All Finance technology 101 webinar (January 2021) Fair4All Finance’s ‘Technology 101 webinar’ is aimed at leaders of Credit Unions and CDFIs without a background in technology who are making decisions about technology for their organisations. On the call they explore: Demystifying technology – some foundational basics and explanations of some of the terminology used Technology
- [Annual General Meeting](https://responsiblefinance.org.uk/members/annual-general-meeting/) - Find here the minutes for the AGM 2019 and 2020 2019 Minutes 2020 Minutes
- [Responsible finance's annual report to members](https://responsiblefinance.org.uk/members/responsible-finances-annual-report-to-members/) - All Responsible Finance members are expected to demonstrate transparency and we believe this applies to Responsible Finance as well. Because of this, each year we publish an annual report for members providing a snapshot of everything we do working with you and on your behalf. 2018 report to members 2019 report to members 2020 report
- [Technology Resources](https://responsiblefinance.org.uk/technology-resources-2/) - Fair4All Finance technology 101 webinar (January 2021) Fair4All Finance’s ‘Technology 101 webinar’ is aimed at leaders of Credit Unions and CDFIs without a background in technology who are making decisions about technology for their organisations. On the call they explore: Demystifying technology – some foundational basics and explanations of some of the terminology used Technology
- [#10xRF videos](https://responsiblefinance.org.uk/members/conference-2019-presentations/) - The Responsible Finance #10xRF events took place virtually during May 2021. The YouTube videos can be viewed here: Imagine a Future ... Foundations for Partnerships between Social Housing Providers and CDFIs Communities of the Future: How to support SMEs in the transition to Net Zero How local authority & CDFI partnerships address financial exclusion &
- [Annual Survey 2022](https://responsiblefinance.org.uk/members/annual-survey-2019/) - Responsible Finance’s 2022 survey will begin in January 2022. You can find a PDF of the questions from the 2021 survey here. For more information please contact Eleanor at e.pughe@responsiblefinance.org.uk.
- [Social Media Resources](https://responsiblefinance.org.uk/members/social-media-resources/) - Please find below some graphics which are ideal for Twitter and similar platforms. These should be used to publicise our annual industry report and can also be used as part of a wider social media strategy to raise awareness of the sector. Please also find below the sector heat maps which were used in the
- [Annual industry report - personal](https://responsiblefinance.org.uk/annual-industry-report-personal/)
- [Membership](https://responsiblefinance.org.uk/membership/) - We are the national membership body for responsible finance providers. Our members are united by their commitment to increasing access to fair and responsible finance, particularly for those excluded from mainstream services. We work with our members to champion responsible finance and develop the market. Our services support members to build relationships, knowledge and innovation.
- [Update profile](https://responsiblefinance.org.uk/members/update-profile/)
- [Reset password](https://responsiblefinance.org.uk/reset/)
- [Regional Growth Fund (RF Fund)](https://responsiblefinance.org.uk/funding-innovation/regional-growth-fund/) - Turning £30m into £89m for under-served businesses. Since 2012 we have been leading an innovative funding partnership to deliver responsible finance to small and microbusinesses unable to access mainstream finance. The RF Fund programme matches £30 million of Regional Growth Fund (RGF) money with co-investment from Unity Trust Bank and the Co-operative Bank. The RF
- [Media](https://responsiblefinance.org.uk/media/) - For media enquiries about Responsible Finance and our members please contact Jamie Veitch on 07904272200 or email info@responsiblefinance.org.uk.
- [RF Fund Impact Report: Acronyms](https://responsiblefinance.org.uk/rf-fund-impact-report-acronyms/)
- [Community Investment Tax Relief (CITR)](https://responsiblefinance.org.uk/the-community-investment-tax-relief-citr/community-investment-tax-relief-citr/) - About CITR What is CITR? The Community Investment Tax Relief (CITR) scheme encourages investment in disadvantaged communities by giving tax relief to investors who back businesses and other enterprises in less advantaged areas by investing in accredited Community Development Finance Institutions (CDFIs). This is the terminology used by the Government to describe responsible finance providers
- [Policy & Research](https://responsiblefinance.org.uk/policy-research/) - Our policy and research team tracks issues concerning responsible finance and advocates on behalf of our members. We liaise with government departments (particularly HM Treasury, Department for Business, Energy and Industrial Strategy and the Cabinet Office), financial regulators, other alternative finance providers and trade bodies, to raise awareness of responsible finance providers and lobby for
- [Newsletters](https://responsiblefinance.org.uk/cic/news/) - Keep up to date with the Community Investment Coalition’s latest activity, as well as latest reports and events in the financial services sector. For other news related to CIC, click here. June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 July 2018 June 2018
- [Members' Area](https://responsiblefinance.org.uk/members/) - Welcome to the members’ area. It contains a wealth of member-only resources that we hope you find useful. If this is your first visit to the members’ area, please visit the Update profile section to add your organisation’s logo and check that the information we have included is correct and up to date. Your profile
- [Economic Impact Tool](https://responsiblefinance.org.uk/members/economic-impact-tool/) - We have developed an Economic Impact Tool. It enables you to calculate the value of the economic and social impacts of your activities. We are strongly committed to demonstrating the impact of responsible finance in the economy and society. For our industry to scale up to meet current and future demand, we recognise that comprehensive,
- [About the Community Investment Coalition](https://responsiblefinance.org.uk/cic/about-the-community-investment-coalition/) - The Community Investment Coalition is a partnership of national organisations including financial providers, charities, trade associations and academic bodies. Our mission is to promote access to affordable finance for families, businesses and communities. We do this by: collecting and sharing evidence and knowledge through research, conferences and dialogue; campaigning for a regulatory system which helps
- [CIC News](https://responsiblefinance.org.uk/cic/cic-news/)
- [Impact](https://responsiblefinance.org.uk/the-community-investment-tax-relief-citr/the-community-investment-tax-relief-citr-page-3/) - CDFIs supported by CITR Case study of equity investment from individuals Case study of loan investment from individuals Case study of loan investment from banks Case study of CITR saving accounts, with FSCS protection for individual investors. Businesses supported by CITR Micro-entrepreneur gets loan finance from Purple Shoots to start a business training people how
- [SWIG Finance increases to £5.1m Fund for West Country SMEs](https://responsiblefinance.org.uk/swig-finance-increases-to-5-1m-fund-for-west-country-smes/) - About SWIG Finance operates across the South West of England. It provides loans and business support to South West businesses that are either starting up or need finance to grow. Its parent company, South West Investment Group Ltd, is a not-for-profit distributing company established in 1989 to raise and provide gap finance for local businesses
- [Helpful Resources](https://responsiblefinance.org.uk/the-community-investment-tax-relief-citr/the-community-investment-tax-relief-citr-page-4/) - Please see links below for additional information on CITR: HMRC CITR guide for investors Accreditation of CDFIs for CITR 2018 Research on CITR Contact us Interested in learning more about CITR? Email info@responsiblefinance.org.uk to find out more.
- [Data Disclosure](https://responsiblefinance.org.uk/cic/data-disclosure/) - What is data disclosure? Data disclosure means providing information about a range of bank activities in defined geographical areas, about the ways that banks invest the money the public deposits with them. Disclosure can also provide an opportunity to deepen understanding of market trends and to refine products and services to better serve local markets.
- [SWIG Finance - Using CITR with the Enterprise Finance Guarantee Scheme](https://responsiblefinance.org.uk/swig-finance-using-citr-with-the-enterprise-finance-guarantee-scheme/) - About SWIG Finance operates across the South West of England. It provides loans and business support to South West businesses that are either starting up or need finance to grow. Its parent company, South West Investment Group Ltd, is a not-for-profit distributing company established in 1989 to raise and provide gap finance for local businesses
- [History](https://responsiblefinance.org.uk/history/) - Responsible Finance is the trading name of the Community Development Finance Association (CDFA), set up in 2002 to support, strengthen and represent providers of responsible, fair and affordable finance. Here are just a few of the key milestones in the development of the responsible finance industry: 1970s A community development finance institution (CDFI) sector emerges
- [Privacy Policy](https://responsiblefinance.org.uk/privacy-cookies/) - Responsible Finance respects your privacy and is committed to ensuring your personal information is protected. On 25th May 2018 the EU General Data Protection Regulation (the GDPR) came into force in the EU (including the UK) and enhances an individual’s rights in relation to personal information about them. This privacy notice will inform you how
- [Foundation East – Equity Investment From Individuals](https://responsiblefinance.org.uk/foundation-east-equity-investment-from-individuals/) - About Foundation East is a responsible finance provider based in Bury St Edmonds, lending to businesses and social enterprises across the East of England. Foundation East is a community benefit society (Society for the Benefit of the Community), which means it is a co-operative and has member shareholders. This case study demonstrates how individuals and
- [Community Investment Coalition](https://responsiblefinance.org.uk/cic/) - Millions of families and businesses cannot access fair and affordable financial services. This results in families turning to high cost credit and often getting trapped into spirals debt. Businesses are unable to set up and grow, hampering economic growth. Community financial service providers, such as responsible finance providers, Credit Unions and Social Finance Funds are filling this gap in supply. But more action is needed to support these organisations to
- [Frequently Asked Questions](https://responsiblefinance.org.uk/faqs/) - Who should register on this Programme? The Responsible Finance Leadership Programme is open to any individuals in the responsible finance or wider social finance space who wish to develop their capacity as leaders. I’m not in a management position currently. Can I still take this course? Yes. The Programme is for anyone who leads projects,
- [Resources](https://responsiblefinance.org.uk/cic/resources/) - Download our free publications: Ethnicity and Financial Exclusion Community Investment Coalition 2018 Manifesto Financial exclusion of individuals Predatory finance Fair and affordable finance Why communities need access to finance Financial exclusion and SMEs Financial exclusion and civil society organisations Tackling the high cost credit problem: The importance of real-time regulatory databases Download our free charts
- [Terms & Conditions](https://responsiblefinance.org.uk/terms-conditions/) - Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Responsible Finance’s relationship with you in relation to this website. The term ‘Responsible Finance‘ or ‘us’ or ‘we’
- [Jobs](https://responsiblefinance.org.uk/about/jobs/) - Keywords Location Remote positions only Freelance Full Time Internship Part Time Temporary Your browser does not support JavaScript, or it is disabled. JavaScript must be enabled in order to view listings. Load more listings
- [Member Salary Data from 2016 Annual Member Survey](https://responsiblefinance.org.uk/members/updates/salary-and-staffing-data-2016/) - The feedback from members through our annual survey is in. Click here to download a PDF with statistical insight into the salary structure of our members which can be used for benchmarking. We had a total of 44 respondents and have removed data where none was available or appropriate.
- [Member Salary Data](https://responsiblefinance.org.uk/members/updates/member-salary-data/) - Click here to download a PDF with statistical insight into the management and salary structure of our members which can be used as benchmarks. We had a total of 44 respondents to our 2016 annual survey and have removed data where none was available or appropriate.
- [Community Banking Charter](https://responsiblefinance.org.uk/cic/community-banking-charter/) - In June 2014, the Community Investment Coalition launched its Community Banking Charter. It champions a fresh approach to banking in the UK so that every household, adult and business has access to basic financial tools. The Charter calls for everyone to have access to a basic package of financial tools, including a transactional bank account, access to
- [Community Finance Partnerships](https://responsiblefinance.org.uk/funding-innovation/community-finance-partnerships/) - Community Finance Partnerships (CFPs) span the boundaries between the public, private and voluntary and social enterprise sectors to use finance for social impact. CFPs are designed to bring community and economic benefits to an underserved area by providing, in one place and at one time, a full range of financial advice and support. The CFP
- [Funding & Innovation](https://responsiblefinance.org.uk/funding-innovation/) - We are working to strengthen and grow the responsible finance industry. We support our members to access funding – to sustain and grow their services and help more customers. We bring funding opportunities to the attention of our members. We currently help members secure funding through our Regional Growth Fund programme. We support our members
- [Local Finance Partnerships](https://responsiblefinance.org.uk/policy-research/local-finance-partnerships/) - Greater collaboration between existing local finance organisations could transform the lives of the millions of Britons excluded from mainstream financial services. Two million people do not have a bank account and nine million people do not have access to mainstream credit options.[link] So at least 14% of the UK’s population faces financial exclusion. This impacts
- [Insight from personal lending data in Leicester](https://responsiblefinance.org.uk/insight-personal-lending-data-leicester/) - Ground breaking research conducted in Leicester by the Centre for Responsible Credit (CfRC) has demonstrated that bank lending data analysis can provide critical intel about the fragility of local economies. ‘The Distribution of Consumer Debt in Leicester’ calls for more data about household debt to enable detailed mapping at the local level. In 2013, the
- [The Unbank of U](https://responsiblefinance.org.uk/the-unbank-of-u/) - Bill Gates, who had the most money in the world, once said: "Banking is essential, banks are not." With your cash no longer piled up in a bank vault, why would you need a bank to let you access, spend and manage your money? After all, when did you last visit a bank branch? Money
- [Financial inclusion in Mexico](https://responsiblefinance.org.uk/financial-inclusion-in-mexico/) - Co-ordinating strategy across digital and governmental channels This is the first in a series of blogs that looks at the financial inclusion ecosystem in other countries. A new, more integrated strategy for Mexico Mexico is embarking on a sophisticated financial inclusion strategy aimed at expanding access to finance to underserved and excluded populations. Drawing on
- [Oral Evidence - Select Committee on Financial Exclusion- 8 November 2016](https://responsiblefinance.org.uk/members/updates/oral-evidence-select-committee-on-financial-exclusion-8-november-2016/) - Tuesday 8 November 2016 11.40 am Members present: Baroness Tyler of Enfield (Chairman); Viscount Brookeborough ; Lord Empey ; Lord Fellowes ; Lord Harrison ; Lord Haskel ; Lord Holmes of Richmond ; Lord Kirkwood of Kirkhope ; Lord McKenzie of Luton ; Lord Northbrook ; Baroness Primarolo; Lord Shinkwin. Evidence Session No. 15 Heard
- [Report: The Distribution of Consumer Credit Debt in Leicester](https://responsiblefinance.org.uk/report-the-distribution-of-consumer-credit-debt-in-leicester/) - Download online version Download HQ print version The level of consumer credit debt held by households is an important indicator of their financial health. In the years preceding the 2008 crisis, savings fell and levels of consumer credit debt increased alarmingly. Interest payments on the outstanding stock of consumer credit debt, which has not significantly reduced in the
- [Speech by Jonathan Davidson at the Future of Lending Conference -27 September 2016](https://responsiblefinance.org.uk/members/updates/speech-by-jonathan-davidson-at-the-future-of-lending-conference-27-september-2016/) - I note in the pre-conference material you've been promised a run through of the lending world as I see it. And my plan is to deliver exactly that. Before I go too far though, I want to offer my thanks to firms for their engagement with the FCA since we took over consumer credit in
- [July 2016 Newsletter](https://responsiblefinance.org.uk/july-2016-newsletter/)
- [UK NAB RF Brief](https://responsiblefinance.org.uk/members/updates/uk-nab-rf-brief/) - UK NAB RF brief July 16
- [CED Resource Bank](https://responsiblefinance.org.uk/ced-resource-bank/) - Community economic development (CED) is where local people in a community identify issues of concern in their area and take action with the aim of improving their economic opportunities and local environment in a sustainable and responsible way. Although much CED is seen to be ‘bottom up’ and formulated amongst the grassroots in a community,
- [Anchor Institutions](https://responsiblefinance.org.uk/ced-resource-bank/anchor-institutions/) - Anchor institutions are employers or organisations which have a large presence in a local area which can be partnered with local SMEs to improve the community around them in which they’re based. Ideal candidates would be large institutions which are highly unlikely to leave the local area, such as a university, prison or local council.
- [Community Finance](https://responsiblefinance.org.uk/ced-resource-bank/community-finance/) - Community finance is an area growing in popularity as millions of people are struggling to make ends meet. Often if they have a low credit score they find that they are excluded from traditional mainstream financial services and often have to rely on high cost sources of credit from predatory lenders. Additionally, entrepreneurs may be
- [Food and Agriculture](https://responsiblefinance.org.uk/ced-resource-bank/food-and-agriculture/) - There is a long history of how agricultural projects can help residents to come together as a community, whether through urban farms and allotments or by encouraging people to consume local organic produce and live healthier lives. Not only can this foster a real sense of community, it can also teach people the benefits of
- [Employment, Training and Skills](https://responsiblefinance.org.uk/ced-resource-bank/employment-training-and-skills/) - Many people through no fault of their own can find themselves out of the employment market and unable to re-enter due to a lack of skills, a lack of local employment opportunities or are stuck in a low-paid job with little opportunity to progress. Many community organisations support individuals by providing training and skills opportunities
- [Cooperation and Enterprise](https://responsiblefinance.org.uk/ced-resource-bank/cooperation-and-enterprise/) - Locally run cooperatives can have a huge positive impact on a local area. The advantages are having locally owned and run organisations which are providing a service which the community really wants and values. Members can ensure that goods and services are sourced locally so providing employment opportunities and ensuring that a greater proportion of
- [Community Energy](https://responsiblefinance.org.uk/ced-resource-bank/community-energy/) - At a time of increasing energy bills many people have found themselves in fuel poverty and living in unsuitable housing. Community energy projects are making a huge difference in making people’s homes more energy efficient, reducing their reliance on fossil fuels and helping to raise awareness of climate change. Retrofitworks.co.uk matches communities & homeowners who wish
- [Community Assets](https://responsiblefinance.org.uk/ced-resource-bank/community-assets/) - People United for Sustainable Housing (PUSH) Buffalo are community organizers who work with partners and funders to create strong neighbourhoods with quality affordable housing by reclaiming and redeveloping empty houses from neglectful public and private owners for occupancy by low-income residents. They also develop neighbourhood leaders capable of gaining community control over the development process and
- [City/Town Regeneration](https://responsiblefinance.org.uk/ced-resource-bank/citytown-regeneration/) - Many cities or local areas can find themselves suffering a period of decline, whether through de-industrialisation of heavy industry or perhaps when one large employer relocates, and can then struggle to attract investment. But instead of seeking to attract investment from outside the local area many communities are joining together to find local solutions. Whether
- [Brand Materials](https://responsiblefinance.org.uk/members/brand-materials/)
- [Access denied](https://responsiblefinance.org.uk/access-denied/)
- [2 Strategy](https://responsiblefinance.org.uk/responsible-finance-handbook/2-strategy/)
- [1 Governance](https://responsiblefinance.org.uk/responsible-finance-handbook/1-governance/)
- [Introduction](https://responsiblefinance.org.uk/responsible-finance-handbook/introduction/) - This is our handbook where we lay out principles and requirements for membership and also advise on support and growth within the sector
- [9 Impact Reporting](https://responsiblefinance.org.uk/responsible-finance-handbook/9-impact-reporting/)
- [8 Marketing](https://responsiblefinance.org.uk/responsible-finance-handbook/8-marketing/)
- [7 People](https://responsiblefinance.org.uk/responsible-finance-handbook/7-people/)
- [6 Risk Management](https://responsiblefinance.org.uk/responsible-finance-handbook/6-risk-management/)
- [5 Costing & Pricing](https://responsiblefinance.org.uk/responsible-finance-handbook/5-costing-pricing/)
- [4 Financial Management](https://responsiblefinance.org.uk/responsible-finance-handbook/4-financial-management/)
- [3 Product Development](https://responsiblefinance.org.uk/responsible-finance-handbook/3-product-development/)
- [Social Value Framework](https://responsiblefinance.org.uk/members/social-value-framework/) - We have developed a new tool to enable you to clearly report on the values of your social impacts and outcomes. The social value framework enables you to tell, evidence and report on your social value in a transparent way. It has been developed by Dr Nick Henry of Coventry University and kindly supported by the
- [Responsible Finance Handbook](https://responsiblefinance.org.uk/responsible-finance-handbook/) - Please redirect to here
- [Update company logo](https://responsiblefinance.org.uk/members/update-profile/company-logo/)
- [Post a Job](https://responsiblefinance.org.uk/members/post-a-job/)
- [Log in](https://responsiblefinance.org.uk/login/)
- [Search](https://responsiblefinance.org.uk/search/)
- [Sitemap](https://responsiblefinance.org.uk/sitemap/)

## My Templates

- [Default Kit](https://responsiblefinance.org.uk/?elementor_library=default-kit)
- [Case Study Left](https://responsiblefinance.org.uk/?elementor_library=case-study-left) - Customer Story: Esmie Stewart “They asked lots of questions and went through everything with us to make sure it would work and the figures made sense. It was like getting free business consultancy.” Read more here
- [Case Study Right](https://responsiblefinance.org.uk/?elementor_library=case-study-right) - Customer Story: Labfacility “FFE is a supportive lender and has been instrumental in enabling us to develop our premises, invest in equipment and increase our capacity.”
- [Pie Chart Section](https://responsiblefinance.org.uk/?elementor_library=pie-chart-section) - Business lending: Unleashing New Waves Of Entrepreneurial Potential In 2023 CDFIs lent million to 4,546 enterprises £ 0 They created jobs & safeguarded 5,402 jobs 0 No Data Found 24% of loans were to Black, Asian & Other Ethnic Minority entrepreneurs 41% of loans were to women 99% were declined by mainstream finance providers 74%
- [customFooter](https://responsiblefinance.org.uk/?elementor_library=customfooter) - Download the full report here Download the five page report summary here info@responsiblefinance.org.uk

## Jobs

- [Head of Investment Programmes - Firstport](https://responsiblefinance.org.uk/job/head-of-investment-programmes-firstport/) - Job Title: Head of Investment Programmes Reporting to: Group CEO Salary: £53,000 + 5% pension Hours: Full-time (Flexible patterns available) Based: Home working, with access to our office in Edinburgh and occasional travel throughout Scotland. Start date: ASAP Contract: Permanent We are the first port of call for social entrepreneurs. At Firstport, we believe in the power of social enterprise to change
- [Business Coach (Call for proposals) - Skylight](https://responsiblefinance.org.uk/job/business-coach-call-for-proposals-skylight/) - Join the Skylight team! If you’re passionate about improving access to finance for refugee entrepreneurs, we want to hear from you! Business Coach (Call for proposals) | Learn more & apply https://lght.ly/c1jm33h Applications close 6pm, Friday 21 February 2025. We particularly welcome applications from candidates with experience of forced migration and/or financial exclusion.

## Events

- [Responsible Finance Annual Conference 2026](https://responsiblefinance.org.uk/events/responsible-finance-annual-conference-2026/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Responsible Finance Member Day 2025 – Soaring to New Heights](https://responsiblefinance.org.uk/events/responsible-finance-member-day-2025-soaring-to-new-heights/) - For CDFIs, partners, stakeholders and supporters of community and social purpose finance. Member Day 2025 is an opportunity to learn, share best practice, and find new ways to boost access to finance for people, businesses and social enterprises. Weds 26 November 2025 at Horizon Leeds – with meetings and dinner for members on Tues 25
- [Responsible Finance Member Day 2023](https://responsiblefinance.org.uk/events/responsible-finance-member-day-2023/) - Communities, small businesses and social enterprises are thriving because of the impact of community development finance institutions – Responsible Finance members. Yet there more we can do to build partnerships and scale up our work. Our 2023 Member Day is for members, partners, stakeholders and supporters of community and social purpose finance, It's a day
- [Responsible Finance Member Day 2022](https://responsiblefinance.org.uk/events/responsible-finance-member-day/) - Responsible Finance members' work has never been more needed. Our 2022 Member Day is for everyone working in community development finance: a day to learn, share best practice, and find new ways to boost access to finance for people, businesses and social enterprises. 24 November 2022, Watershed, Bristol For CEOs, senior management teams, chairs and
- [10xRF - 10 days of events, conversation, and inspiration](https://responsiblefinance.org.uk/events/10xrf/) - What is the UK financial system’s best kept secret? Community Development Finance Institutions (CDFIs). They are masters of job creation, creating thriving communities, and putting money back in people’s pockets. What if part of the solution to a strong recovery is hiding in plain sight? It’s time to change that. 10xRF is the sector's biggest event
- [Responsible Finance 2017](https://responsiblefinance.org.uk/events/responsible-finance-2017/) - 2016 was a year of momentous change. The EU referendum sent shockwaves around the globe and led to the formation of a new UK government with a new approach. What will 2017 hold? As the UK prepares to trigger Article 50, what impact will this have for the economy, for small businesses and households? At Responsible Finance 2017 we will consider the challenges and opportunities that Brexit and the Government's new industrial strategy will present for those providing access to fair and responsible finance. We will discuss the importance of financial inclusion and financial literacy for economic growth, at a national and local level, and how the current funding, political and regulatory environment is influencing the supply and demand for finance. Responsible Finance 2017 is the annual gathering of the leaders, influencers and practitioners with a commitment to bringing fairness to the financial services industry and increasing access to responsible finance.
- [Citi Microentrepreneurship Awards 2019/20](https://responsiblefinance.org.uk/events/citi-microentrepreneurship-awards-2019-20/) - Championing outstanding micro-entrepreneurs creating jobs, services and prosperity in their communities The UK’s most exciting awards for microentrepreneurs celebrate the impact and achievements of responsible finance providers and the inspiring entrepreneurs they support. We are delighted to be partnering with the Citi Foundation once again to bring the global Citi Microentrepreneurship Awards to the UK.
- [Citi Microentrepreneurship Awards 2018/19](https://responsiblefinance.org.uk/events/citi-microentrepreneurship-awards-201819/) - We are excited to be partnering with the Citi Foundation to bring the global Citi Microentrepreneurship Awards to the UK. The awards celebrate the economic and social impact of responsible finance providers on the people and places of Britain, and champion the outstanding microentrepreneurs who are creating jobs, services and prosperity in their communities.
- [Culture and Conduct Workshops](https://responsiblefinance.org.uk/events/culture-and-conduct-workshops/) - Financial firms’ culture is now a priority for the FCA. It is replacing the Approved Persons Regime (APR) with the Senior Managers and Certification Regime (SM&CR). Responsible finance providers need to ensure that they are prepared for the new scheme.
- [Customer Satisfaction Webinar](https://responsiblefinance.org.uk/events/customer-satisfaction-webinar/) - This is a very practical session focused on measuring customer satisfaction and then using that data for impact measurement and as an effective marketing tool. The content will be interactive and practical and draw on real-life examples.
- [Citi Microentrepreneurship Awards 2017/18](https://responsiblefinance.org.uk/events/citi-microentrepreneurship-awards-201718/) - Rewarding great business and the finance that supports it We are delighted to be partnering with the Citi Foundation once again to bring the global Citi Microentrepreneurship Awards to the UK, celebrating the amazing achievements of responsible finance providers and the inspiring entrepreneurs they support. The awards recognise the economic and social impact of responsible
- [Preventing Financial Crime Webinar](https://responsiblefinance.org.uk/events/preventing-financial-crime-webinar/) - Under its objective to ensure the integrity of the UK financial markets, the FCA requires all authorised firms to have robust governance, effective risk management procedures and adequate internal control mechanisms to manage their financial crime risk. There is increased scrutiny on how firms perform anti-money laundering, anti-fraud, and anti-bribery and corruption. This webinar will
- [Using EFG on CITR Investments Workshop](https://responsiblefinance.org.uk/events/using-efg-on-citr-investments-workshop/) - Following lobbying from Responsible Finance and its partners HM Treasury recently approved the use of the Enterprise Finance Guarantee (EFG) on investments made using the Community Investment Tax Relief (CITR). This is good news for the sector as it opens up new opportunities for responsible finance providers to raise new investment. In light
- [Senior Managers & Certification Regime Workshop](https://responsiblefinance.org.uk/events/senior-managers-certification-regime-workshop/) - The Financial Conduct Authority (FCA) will implement the Senior Managers and Certification Regime (SMCR) by the end of 2018 to replace the Approved Persons regime for consumer credit firms, and are currently consulting on the terms. What can responsible finance providers expect from the SMCR and how will you make the transition? Come to this
- [Training webinar on Working with Vulnerable Customers](https://responsiblefinance.org.uk/events/training-webinar-on-treating-customers-fairly-and-working-with-vulnerable-customers/) - Responsible finance providers are committed to treating customers fairly. But there is still little guidance available on identifying vulnerability, and treating customers fairly once they have entered a vulnerable situation. This webinar is a great opportunity to learn more about the approaches that work, get advice on your own approach and share views and experience
- [FCA Supervision: Training Webinar](https://responsiblefinance.org.uk/events/fca-supervision-training-webinar/) - Now that responsible finance providers are authorised for consumer credit lending by the FCA, what should you expect from ongoing FCA supervision? This webinar is a chance to learn about what to expect, what you will need to do, and how to establish a harmonious regulatory relationship. The format of the training session
- [Training on New Data Protection Laws](https://responsiblefinance.org.uk/events/training-on-new-data-protection-laws/) - Register now for our in person training course on the new Data Protection rules (GDPR) which are coming into place in May 2018. This training will take place on Tuesday 5th September 10:00 – 12:30 and 13:30-16:00 in London. The new General Data Protection Regulation (GDPR) is replacing the existing UK Data Protection Act 1998
- [Anti Money Laundering compliance Training Webinar](https://responsiblefinance.org.uk/events/anti-money-laundering-compliance-training-webinar/) - Responsible finance providers have systems in place to prevent events of money laundering and other financial crime when lending money. Attending this course will help those responsible for anti-money laundering (AML) reporting maintain compliance and learn about good practice within the sector. Many responsible finance providers also complete annual online AML compliance training to remain
- [Responsible Finance 2016](https://responsiblefinance.org.uk/events/responsible-finance-16/) - Responsible Finance 2016 will probe the issues, create the opportunities and work up solutions to shape a finance system that works for our economy and our people. A must-attend event for anyone interested in responsible finance, with inspiring speakers, dynamic discussions great networking and a growing number of delegates each year. We bring together the banking, alternative funding, community and policy sectors to share emerging trends, build partnerships and develop future strategies that make money work for people, businesses and communities.
- [Write off and Arrears Policies](https://responsiblefinance.org.uk/events/write-off-and-arrears-policies/) - Responsible finance providers take a range of approaches to measuring portfolio at risk, writing off capital, and provisioning. This workshop will explore both current practices and industry standards. This workshop will provide responsible finance providers the opportunity to discuss their approach and hear what other organisations do. There will also be a discussion about whether
- [Community Investment Tax Relief (CITR) Workshop](https://responsiblefinance.org.uk/events/community-investment-tax-relief-citr-workshop/) - Community Investment Tax Relief (CITR) is a helpful tool for responsible finance providers wishing to raise private investment. However, often organisations are not clear about the detailed rules and regulations underpinning the scheme. The aim of this course is to provide a clear overview of how CITR can be used in practice. It will cover
- [Network meeting - marketing](https://responsiblefinance.org.uk/events/network-meeting-marketing/) - This meeting will cover social media, deal flow and the CDFA rebrand and campaign. There will be opportunity for networking with your peers and sharing experiences and ideas.

## Locations

- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester-7/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester-6/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester-5/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester-4/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester-3/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester-2/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Hyatt Regency Manchester](https://responsiblefinance.org.uk/locations/hyatt-regency-manchester/) - Join the Responsible Finance Annual Conference in Manchester, 23–25 November 2026, bringing together responsible finance, banking, government and partners.
- [Watershed Bristol](https://responsiblefinance.org.uk/locations/watershed-bristol/)
- [DoubleTree by Hilton Hotel Bristol City Centre](https://responsiblefinance.org.uk/locations/doubletree-by-hilton-hotel-bristol-city-centre/)
- [DoubleTree Hilton Bristol City Centre](https://responsiblefinance.org.uk/locations/doubletree-hilton-bristol-city-centre/)
- [Hilton Liverpool City Centre](https://responsiblefinance.org.uk/locations/hilton-liverpool-city-centre-2/)
- [Hilton Liverpool City Centre](https://responsiblefinance.org.uk/locations/hilton-liverpool-city-centre/)
- [Glasgow City Chambers](https://responsiblefinance.org.uk/locations/glasgow-city-chambers-2/)
- [Glasgow City Chambers](https://responsiblefinance.org.uk/locations/glasgow-city-chambers/)
- [CCLA](https://responsiblefinance.org.uk/locations/ccla-3/)
- [Cardiff Marriott Hotel](https://responsiblefinance.org.uk/locations/cardiff-marriott-hotel-2/)
- [CCLA](https://responsiblefinance.org.uk/locations/ccla-2/)
- [CCLA](https://responsiblefinance.org.uk/locations/ccla/)
- [Cardiff Marriott Hotel](https://responsiblefinance.org.uk/locations/cardiff-marriott-hotel/)
- [Marriott Victoria & Albert Hotel](https://responsiblefinance.org.uk/locations/marriott-victoria-albert-hotel/)
- [Marriott, Manchester](https://responsiblefinance.org.uk/locations/marriott-manchester/)
- [Responsible Finance](https://responsiblefinance.org.uk/locations/responsible-finance/)
- [Home](https://responsiblefinance.org.uk/locations/home/)
- [Westminster](https://responsiblefinance.org.uk/locations/westminster/)
- [Grand Connaught Rooms](https://responsiblefinance.org.uk/locations/grand-connaught-rooms/)

## RFNatwests

- [A fix for Jared’s washing machine](https://responsiblefinance.org.uk/rfnatwest/a-fix-for-jareds-washing-machine/) - “As I have disabilities and health conditions I can’t do much around the house with a broken washing machine,” says Jared, who lives in Birmingham. “Thanks for your help, the grant will help me to buy a replacement.”
- ["I just wanted to thank you from the bottom of my heart"](https://responsiblefinance.org.uk/rfnatwest/i-just-want-to-thank-you-from-the-bottom-of-my-heart/) - “I never expected this or knew it existed. I work the equivalent of two full-time jobs but as a single mother I still struggle with bills being so high. I am overwhelmed you were able to offer me this payment, it will really help me until I get paid.”
- [Part-time work leaves Anisah’s budget stretched](https://responsiblefinance.org.uk/rfnatwest/part-time-work-leaves-anisahs-budget-stretched/) - “This grant is very beneficial and will help me to buy groceries to last me for the month and contribute to utility bills,” says Anisah, who lives in London. His income from part-time work is less than £13,000 per year, which doesn’t go far. “I am very grateful to receive it.”
- [Grant helps Biockson recover from surgery](https://responsiblefinance.org.uk/rfnatwest/grant-helps-biockson-recover-from-surgery/) - “I won’t be able to work while recovering from surgery” says Nottinghamshire-based Biockson, “and I’d applied for a small loan for food and essentials. The grant will support me during my two-week recovery period.”
- [Helen’s grant keeps electricity and gas on](https://responsiblefinance.org.uk/rfnatwest/helens-grant-keeps-electricity-and-gas-on/) - 34 year-old Sheffielder Helen applied for a small loan to pay off her energy bills. But repayments wouldn’t have been affordable to her. She was delighted to receive a £100 grant which has “helped massively so I can keep the gas and electricity on.”
- [Nicola needed a washing machine](https://responsiblefinance.org.uk/rfnatwest/nicola-needed-washing-machine/) - With a new baby and another child to look after, Nicola was delighted to move into a new property after experiencing homelessness. She’s putting her grant towards the cost of a washing machine and says she was “in desperate need of this appliance.”
- [NHS worker is roadworthy with tyre bill covered](https://responsiblefinance.org.uk/rfnatwest/nhs-worker-is-roadworthy-with-tyre-bill-covered/) - Working across three hospitals in Scotland, Jane (name changed) is heavily reliant on her car but its MOT revealed it needed a new tyre. “I just didn’t have the money to pay for it,” she says, “but this grant is literally a life saver. I can now pay for the tyre and still get to
- [Grant helps domestic violence survivor rebuild](https://responsiblefinance.org.uk/rfnatwest/grant-helps-domestic-violence-survivor-rebuild/) - “I had none of the basics like a fridge or a bed, and had to sleep on the floor,” says Rita (name changed), who has secured housing in a different town after fleeing from domestic violence. “I’m so grateful I can start to furnish my new home with this grant.”
- [Hospital taxi costs stretched Zadie to limit](https://responsiblefinance.org.uk/rfnatwest/hospital-taxi-costs-stretched-zadie-to-limit/) - “My baby was born nine weeks premature so we had to get to four hospital appointments every week for a while. You can’t get there on the bus. Taxis are £10 each way, which left us really short for food and essentials,” says Zadie (name changed). “I applied for a loan of £150 but was
- [Fridge essential for medication and food](https://responsiblefinance.org.uk/rfnatwest/fridge-essential-for-medication-and-food/) - “My fridge-freezer broke and I lost loads of food,” says Charlie (name changed), who receives Universal Credit and PIP and lives with underlying medical conditions. “My medication has to be kept cold too, so I was storing it in my neighbour’s fridge.” The grant meant Charlie could get a second-hand fridge-freezer.
- [Kids get ‘full bellies’ in school holidays](https://responsiblefinance.org.uk/rfnatwest/kids-get-full-bellies-in-school-holidays/) - Sheila (name changed) works during term-time as she has no support network to help look after her children, aged 6 and 2. School holidays are tough, especially as her eldest usually receives free school meals. “I’ll use the money to get some food in as I’m having financial difficulties at the moment. Knowing they’ll have

## Downloads

- [Evaluation of First-loss Funding to CDFIs](https://responsiblefinance.org.uk/download/evaluation-of-first-loss-funding-to-cdfis/?tmstv=1791661374)
- [Analysis of CDFI refinancing high cost loans](https://responsiblefinance.org.uk/download/analysis-of-cdfi-refinancing-high-cost-loans/?tmstv=1791661374)
- [MP-visit-briefing-template.docx](https://responsiblefinance.org.uk/download/mp-visit-briefing-template-docx/?tmstv=1791661374)
- [MP-visit-invite-template.docx](https://responsiblefinance.org.uk/download/mp-visit-invite-template-docx/?tmstv=1791661374)
- [MP-visit-tips-and-guidance.docx](https://responsiblefinance.org.uk/download/mp-visit-tips-and-guidance-docx/?tmstv=1791661374)
- [RF response to the Access to Banking Services Review: Call for Evidence](https://responsiblefinance.org.uk/download/rf-response-to-the-access-to-banking-services-review-call-for-evidence/?tmstv=1791661374)
- [RF Response: FCA Consultation on reviewing the financial promotions rules for consumer credit](https://responsiblefinance.org.uk/download/rf-response-fca-consultation-on-reviewing-the-financial-promotions-rules-for-consumer-credit/?tmstv=1791661374)
- [2026 Impact Report](https://responsiblefinance.org.uk/download/2026-impact-report/?tmstv=1791661374)
- [RF Response: FCA CP 26/7 Credit Information Market Study](https://responsiblefinance.org.uk/download/rf-response-fca-cp-26-7-credit-information-market-study/?tmstv=1791661374)
- [RF Response: The Maple Review](https://responsiblefinance.org.uk/download/rf-response-the-maple-review/?tmstv=1791661374)
- [RF Response: Small Business Access to Finance](https://responsiblefinance.org.uk/download/rf-response-small-business-access-to-finance/?tmstv=1791661374)
- [2025 Impact Report](https://responsiblefinance.org.uk/download/2025-impact-report/?tmstv=1791661374)
- [2025 Infographic](https://responsiblefinance.org.uk/download/2025-infographic/?tmstv=1791661374)
- [Finance for and designed by social enterprises](https://responsiblefinance.org.uk/download/finance-for-and-designed-by-social-enterprises/?tmstv=1791661374)
- [Personal Lending CDFIs: a green light to financial inclusion](https://responsiblefinance.org.uk/download/personal-lending-cdfis-a-green-light-to-financial-inclusion/?tmstv=1791661374)
- [Microlenders transform lives and local economies](https://responsiblefinance.org.uk/download/microlenders-transform-lives-and-local-economies/?tmstv=1791661374)
- [Illegal Money Lending Team - Powerpoint, small business loan sharks](https://responsiblefinance.org.uk/download/illegal-money-lending-team-powerpoint-small-business-loan-sharks/?tmstv=1791661374)
- [Bank Based Lending  - Illegal Lending Key Words and Patterns](https://responsiblefinance.org.uk/download/bank-based-lending-illegal-lending-key-words-and-patterns/?tmstv=1791661374)
- [RF Response: 2025 Spending Review](https://responsiblefinance.org.uk/download/rf-response-2025-spending-review/?tmstv=1791661374)
- [NatWest Development Grants Report](https://responsiblefinance.org.uk/download/natwest-development-grants-report/?tmstv=1791661374)
- [RF Response: Financial Conduct Authority/Financial Ombudsman Service Modernising the Redress System Consultation](https://responsiblefinance.org.uk/download/rf-response-financial-conduct-authority-financial-ombudsman-service-modernising-the-redress-system-consultation/?tmstv=1791661374)
- [RF Response: The Financial Ombudsman Service's 2025/26 Plans and Budget Consultation](https://responsiblefinance.org.uk/download/rf-response-the-financial-ombudsman-services-2025-26-plans-and-budget-consultation/?tmstv=1791661374)
- [RF Response: HM Treasury's Autumn Budget Consultation 2024](https://responsiblefinance.org.uk/download/rf-response-hm-treasurys-autumn-budget-consultation-2024/?tmstv=1791661374)
- [Small Business Finance Champions](https://responsiblefinance.org.uk/download/small-business-finance-champions/?tmstv=1791661374) - Hundreds of thousands of great businesses want to grow every year. But lots of strong businesses don’t meet other lenders’ criteria. CDFIs have backed UK businesses for more than 20 years – our infographic explains what CDFIs do, how businesses discover them and grow as a result of CDFI support.
- [Responsible Finance Impact Report 2023](https://responsiblefinance.org.uk/download/responsible-finance-impact-report-2023/?tmstv=1791661374) - New figures in 2023's Impact Report from Responsible Finance, which represents community development finance institutions (CDFIs), reveal their total lending increased by 20% to £248m. CDFIs lent to 94,744 customers who would otherwise have been excluded from affordable finance. Of this, personal lending by CDFIs increased 33%, to £46m lent to 90,630 people.
- [Responsible Finance Impact Report 2024](https://responsiblefinance.org.uk/download/responsible-finance-impact-report-2024/?tmstv=1791661374) - Record year of community development finance to people and enterprises across UK: New figures reveal 14% jump to £287m lent to under-served businesses, social enterprises and households in 2023, creating 6,571 jobs and 3,829 enterprises and saving people £29m in interest. The UK’s not-for-profit, ‘community development’ lenders lent £287m, the highest total lending in their 30 year history. 66% of their loans were to women and 11% to people who said they are from Black, Asian and other ethnic minority groups.
- [Responsible Finance Tender for City Bridge Pilot Evaluation](https://responsiblefinance.org.uk/download/responsible-finance-tender-for-city-bridge-pilot-evaluation/?tmstv=1791661374)
- [The-Business-Model-of-UK-SME-Lending-CDFIs.docx](https://responsiblefinance.org.uk/download/the-business-model-of-uk-sme-lending-cdfis-docx/?tmstv=1791661374)
- [Loan Portfolio Spreadsheet](https://responsiblefinance.org.uk/download/17833/?tmstv=1791661374)
- [Social Credit Score](https://responsiblefinance.org.uk/download/social-credit-score/?tmstv=1791661374)
- [CDFI-Impact-Measurement-Reporting-Challenges-and-Solutions-White-Paper.pdf](https://responsiblefinance.org.uk/download/cdfi-impact-measurement-reporting-challenges-and-solutions-white-paper-pdf/?tmstv=1791661374)
- [Pre-Interview Assessment](https://responsiblefinance.org.uk/download/pre-interview-assessment/?tmstv=1791661374)
- [Pre-Interview Excel](https://responsiblefinance.org.uk/download/pre-interview-excel/?tmstv=1791661374)
- [Fair Banking Act Policy Paper March 2023](https://responsiblefinance.org.uk/download/fair-banking-act-policy-paper-march-2023/?tmstv=1791661374)
- [Social Investment Scotland Impact Report 2021-2022](https://responsiblefinance.org.uk/download/social-investment-scotland-impact-report-2021-2022/?tmstv=1791661374)
- [Social Impact Report BCRS Business Loans 2022](https://responsiblefinance.org.uk/download/social-impact-report-bcrs-business-loans-2022/?tmstv=1791661374)
- [Lendology Social Impact Report 2021-2022](https://responsiblefinance.org.uk/download/lendology-impact-report-2021-2022/?tmstv=1791661374)
- [SWIG Social Impact Report 2021-2022](https://responsiblefinance.org.uk/download/swig-social-impact-report-2021-2022/?tmstv=1791661374)
- [RF Response: Financial Ombudsman Service 2023/24 Plans and Budget Consultation](https://responsiblefinance.org.uk/download/rf-response-financial-ombudsman-service-2023-24-plans-and-budget-consultation/?tmstv=1791661374)
- [RF Response: The FCA's Credit Information Market Study](https://responsiblefinance.org.uk/download/rf-response-the-fcas-credit-information-market-study/?tmstv=1791661374)
- [RF Spring Budget Representation 2023](https://responsiblefinance.org.uk/download/rf-spring-budget-representation-2023/?tmstv=1791661374)
- [National Media Coverage 2022](https://responsiblefinance.org.uk/download/national-media-coverage-2022/?tmstv=1791661374)
- [Loan Portfolio: RF Member Survey 2023](https://responsiblefinance.org.uk/download/loan-portfolio-rf-member-survey-2023/?tmstv=1791661374)
- [Word Template: RF Member Survey 2023](https://responsiblefinance.org.uk/download/word-template-rf-member-survey-2023/?tmstv=1791661374)
- [Full RF 2023 Survey Spreadsheet](https://responsiblefinance.org.uk/download/full-rf-2023-survey-spreadsheet/?tmstv=1791661374)
- [RF Response: Consultation on the English portion of dormant assets funding](https://responsiblefinance.org.uk/download/rf-response-consultation-on-the-english-portion-of-dormant-assets-funding/?tmstv=1791661374)
- [RF Response: Labour’s Start-Up Review](https://responsiblefinance.org.uk/download/rf-response-labours-start-up-review/?tmstv=1791661374)
- [RF Response: Financial Ombudsman Service - Creating a Funding Model for the Future](https://responsiblefinance.org.uk/download/rf-response-financial-ombudsman-service-creating-a-funding-model-for-the-future/?tmstv=1791661374)
- [RF Response: APPG for Financial Markets and Services. Levelling Up and the Role of Financial Services.](https://responsiblefinance.org.uk/download/rf-response-appg-for-financial-markets-and-services-levelling-up-and-the-role-of-financial-services/?tmstv=1791661374)
- [Responsible Finance Impact Report 2022](https://responsiblefinance.org.uk/download/responsible-finance-impact-report-2022/?tmstv=1791661374) - Our 2022 Impact Report gives a comprehensive insight into CDFIs’ work and the unique effects of fair, affordable finance from our members in 2021. The businesses, social enterprises and jobs we created and grew. The millions of pounds we helped households save in interest. The inequalities we fought. It covers our purpose-driven members’ social, environmental and economic impacts, and maps how this work contributes to the UN Sustainable Development Goals (UN SDGs), today, all over the UK. People, social entrepreneurs and business leaders tell their stories of the difference CDFIs make in their lives, and we urge banks, regulators, tech firms, housing associations, local authorities and other stakeholders to take specific actions so more stories can be heard in the future.
- [Responsible Finance Impact Report Summary 2022](https://responsiblefinance.org.uk/download/responsible-finance-impact-report-summary-2022/?tmstv=1791661374)
- [RF Response: FCA - A new Consumer Duty Feedback to CP21/13 and further consultation](https://responsiblefinance.org.uk/download/rf-response-fca-a-new-consumer-duty-feedback-to-cp21-13-and-further-consultation/?tmstv=1791661374)
- [RF Response: Financial Ombudsman Service - Our 2022/23 plans and budget Consultation](https://responsiblefinance.org.uk/download/rf-response-financial-ombudsman-service-our-2022-23-plans-and-budget-consultation/?tmstv=1791661374)
- [Street UK Impact Report 2021](https://responsiblefinance.org.uk/download/street-uk-impact-report-2021/?tmstv=1791661374)
- [BCRS Business Loans Impact Report 2021](https://responsiblefinance.org.uk/download/bcrs-impact-report/?tmstv=1791661374)
- [Scotcash Impact Report 2021](https://responsiblefinance.org.uk/download/scotcash-impact-report/?tmstv=1791661374)
- [2020 RGF CIC Accounts](https://responsiblefinance.org.uk/download/2020-rgf-cic-accounts/?tmstv=1791661374) - RGF Statutory Accounts 2020 final signed
- [2020 CDFA Accounts](https://responsiblefinance.org.uk/download/2020-cdfa-accounts/?tmstv=1791661374) - CDFA Statutory Accounts 2020 final signed
- [Victoria Gosling compliance form](https://responsiblefinance.org.uk/download/victoria-gosling-compliance-form/?tmstv=1791661374) - Victoria Gosling Compliance
- [Victoria Gosling nomination form](https://responsiblefinance.org.uk/download/victoria-gosling-nomination-form/?tmstv=1791661374) - Victoria Gosling Board Nomination Documents
- [Victoria Gosling bio](https://responsiblefinance.org.uk/download/victoria-gosling-bio/?tmstv=1791661374) - Victoria Gosling bio
- [Tim Rooney compliance form](https://responsiblefinance.org.uk/download/tim-rooney-compliance-form/?tmstv=1791661374) - Tim Rooney compliance form
- [Tim Rooney nomination form](https://responsiblefinance.org.uk/download/tim-rooney-nomination-form/?tmstv=1791661374) - Tim Rooney nomination
- [Tim Rooney Bio](https://responsiblefinance.org.uk/download/tim-rooney-bio/?tmstv=1791661374) - Tim Rooney bio
- [SME-LIBOR-Transition-FAQ.pdf](https://responsiblefinance.org.uk/download/sme-libor-transition-faq-pdf/?tmstv=1791661374) - SME LIBOR Transition FAQ
- [Responsible Finance Response: Financial Conduct Authority Consumer Duty Consultation](https://responsiblefinance.org.uk/download/responsible-finance-response-fca-consumer-duty-consultation/?tmstv=1791661374)
- [SME LIBOR Transition FAQ](https://responsiblefinance.org.uk/download/sme-libor-transition-faq/?tmstv=1791661374) - SME LIBOR Transition FAQ
- [2020 AGM Minutes](https://responsiblefinance.org.uk/download/2020-agm-minutes/?tmstv=1791661374) - Minutes 2020 AGM Final Minutes 2020 AGM Final
- [2019 AGM Minutes](https://responsiblefinance.org.uk/download/2019-agm-minutes/?tmstv=1791661374) - Minutes 2019 AGM
- [2020 AGM member cover letter](https://responsiblefinance.org.uk/download/2020-agm-member-cover-letter/?tmstv=1791661374) - 2020 AGM member cover letter
- [2020 AGM Agenda](https://responsiblefinance.org.uk/download/2020-agm-agenda/?tmstv=1791661374) - 2020 AGM Agenda
- [2019 Report to Members](https://responsiblefinance.org.uk/download/2019-report-to-members/?tmstv=1791661374) - Report to members 2019
- [2020 Report to Members](https://responsiblefinance.org.uk/download/2020-report-to-members/?tmstv=1791661374) - 2020 RF Report to Members
- [RF Director](https://responsiblefinance.org.uk/download/rf-director/?tmstv=1791661374) - RF Director Spec.1
- [ELN Report Banner](https://responsiblefinance.org.uk/download/eln-report-banner/?tmstv=1791661374)
- [Affordable Credit](https://responsiblefinance.org.uk/download/affordable-credit-2/?tmstv=1791661374) - Affordable credit_ A collaborative RCT (1).pdf
- [Affordable Credit](https://responsiblefinance.org.uk/download/affordable-credit/?tmstv=1791661374) - Affordable credit_ A collaborative RCT (1)
- [Responsible Finance - The Industry in 2019](https://responsiblefinance.org.uk/download/responsible-finance-the-industry-in-2019/?tmstv=1791661374) - Our flagship publication on the responsible finance industry reveals that in 2019 the responsible finance sector lent a total of £200 million to 40,000 customers. This included £78 million lent to over 4,200 businesses, £93 million lent to almost 400 social enterprises, £24 million lent in 35,000 loans to individuals, saving low income households over £7.5 million in interest payments, and £3.3 million lent to over 200 homeowners.
- [Building a better future. Personal lending report 2021.](https://responsiblefinance.org.uk/download/building-a-better-future-personal-lending-report-2021/?tmstv=1791661374) - As Provident crumbles ethical lenders build better future for 31,000 customers.
- [Post-CBILS Guarantee Outline](https://responsiblefinance.org.uk/download/post-cbils-guarantee-outline/?tmstv=1791661374)
- [Responsible Finance: The Industry in 2015](https://responsiblefinance.org.uk/download/responsible-finance-the-industry-in-2015/?tmstv=1791661374) - Our annual flagship publication setting out the activity, achievements, challenges and impacts of our members in the responsible finance industry across the UK. 2015 proved a record year for the responsible lending market, with a 45% surge to £251million, in lending to small businesses, social enterprises and local communities. That this created 10,000 new businesses and 25,000 jobs, and ensured over 45,000 people had access to ethical loans as an alternative to high interest payday loans is testament to the remarkable economic impact – not to mention social benefit – our members achieve daily, in every city, region and nation of the UK.
- [Setting up for success. Enterprise Lending Report 2021.](https://responsiblefinance.org.uk/download/setting-up-for-success-enterprise-lending-report-2021/?tmstv=1791661374) - Cross-party acclaim for community development finance as report reveals thousands of businesses supported.
- [Responsible Finance - The Industry in 2018](https://responsiblefinance.org.uk/download/responsible-finance-the-industry-in-2018/?tmstv=1791661374) - Our flagship publication on the responsible finance industry reveals that the responsible finance sector grew by £19 million (8%) compared with the previous year. In 2017-18 responsible finance providers lent a total of £254 million to 52,121 customers, supported 14,430 jobs and created 4,490 new businesses.
- [10xRF Engagement Pack](https://responsiblefinance.org.uk/download/10xrf-engagement-pack/?tmstv=1791661374) - #10xRF-Engagement_Pack_ResponsibleFinance
- [Jamie-Radio-Tips-2021](https://responsiblefinance.org.uk/download/jamie-radio-tips-2021/?tmstv=1791661374) - Jamie-Radio-Tips-2021
- [59 Tips for a Fabulous Radio Interview](https://responsiblefinance.org.uk/download/59-tips-for-a-fabulous-radio-interview/?tmstv=1791661374) - An effective radio interview can build awareness, develop relationships, strengthen trust and propel an organisation closer towards its business goals. This applies to businesses, social enterprises and of course CDFIs. This guide covers the essentials of how to prepare for radio (or podcast) interviews. It’s been written by RF communications advisor Jamie Veitch, who has also presented a weekly radio show for 7 years and has been interviewed numerous times on BBC and other radio stations. Jamie’s found that many accomplished business leaders and social entrepreneurs are nervous about doing radio interviews. Others aren’t nervous but don’t necessarily plan effectively, so the interview doesn’t have the impact they want. Follow the tips in this guide and you’ll be more confident when you are interviewed, whether live in a studio, over the phone or pre-recorded. You’ll sound friendly, authoritative and approachable. And you’ll be able to make clear, interesting and memorable points.
- [LIBOR End User Guide - FINAL (002)](https://responsiblefinance.org.uk/download/libor-end-user-guide-final-002/?tmstv=1791661374) - LIBOR End User Guide - FINAL (002)
- [Responsible Finance's Annual Member Survey](https://responsiblefinance.org.uk/download/responsible-finances-annual-member-survey/?tmstv=1791661374)
- [Responsible Finance Response: TSC Committee Inquiry on the Economic Impact of Coronavirus](https://responsiblefinance.org.uk/download/responsible-finance-response-tsc-committee-inquiry-on-the-economic-impact-of-coronavirus/?tmstv=1791661374)
- [Responsible Finance Response: Financial Conduct Authority Woolard Review](https://responsiblefinance.org.uk/download/responsible-finance-response-financial-conduct-authority-woolard-review/?tmstv=1791661374)
- [](https://responsiblefinance.org.uk/download/15500/?tmstv=1791661374) - Karen Davies - Gaia Award - 2020 NatWest Finalists Launch_
- [RF Response: Guidance Consultation and Feedback Statement on the Fair Treatment of Vulnerable Customers](https://responsiblefinance.org.uk/download/rf-response-guidance-consultation-and-feedback-statement-on-the-fair-treatment-of-vulnerable-customers/?tmstv=1791661374)
- [Stephen Deakin Biography](https://responsiblefinance.org.uk/download/stephen-deakin-biography/?tmstv=1791661374)
- [Stephen Deakin nomination form](https://responsiblefinance.org.uk/download/stephen-deakin-nomination-form/?tmstv=1791661374)
- [Stephen Deakin Board member compliance document](https://responsiblefinance.org.uk/download/stephen-deakin-board-member-compliance-document/?tmstv=1791661374)
- [Simon Jackson Board nomination form](https://responsiblefinance.org.uk/download/simon-jackson-board-nomination-form/?tmstv=1791661374)
- [Simon Jackson Board member compliance document](https://responsiblefinance.org.uk/download/simon-jackson-board-member-compliance-document/?tmstv=1791661374)
- [Simon Jackson Biography](https://responsiblefinance.org.uk/download/simon-jackson-biography/?tmstv=1791661374)
- [RGF 2018 Accounts](https://responsiblefinance.org.uk/download/rgf-2018-accounts/?tmstv=1791661374)
- [CDFA 2018 Accounts](https://responsiblefinance.org.uk/download/cdfa-2018-accounts/?tmstv=1791661374)
- [2019 RGF Accounts](https://responsiblefinance.org.uk/download/2019-rgf-accounts/?tmstv=1791661374)
- [2019 CDFA Stat Accounts Signed](https://responsiblefinance.org.uk/download/2019-cdfa-stat-accounts-signed/?tmstv=1791661374)
- [Half Yearly Results - Unity Trust Bank](https://responsiblefinance.org.uk/download/half-yearly-results-unity-trust-bank/?tmstv=1791661374) - FINAL_Half Year Results_Unity Trust Bank_Press Release
- [Responsible Finance Response: BEIS Committee Post-Pandemic Economic Growth Super Inquiry](https://responsiblefinance.org.uk/download/responsible-finance-response-beis-committee-post-pandemic-economic-growth-super-inquiry/?tmstv=1791661374)
- [Responsible Finance Response: BEIS Economic Recovery Working Groups](https://responsiblefinance.org.uk/download/responsible-finance-response-beis-economic-recovery-working-groups/?tmstv=1791661374)
- [Ventura Digital Case Study](https://responsiblefinance.org.uk/download/ventura-digital-case-study/?tmstv=1791661374) - Ventura Digital Case Study
- [Responsible Finance RGF Impact Report](https://responsiblefinance.org.uk/download/responsible-finance-rgf-impact-report/?tmstv=1791661374) - The RF Fund was established in 2012 with two key objectives: to capitalise community development finance institutions (CDFIs) so they could lever further investment and scale up their economic and social impact; and to grow and support private-sector jobs and economic prosperity in places dependent on the public sector following the 2008 financial crisis. This Impact Report demonstrates it has achieved both objectives and exceeded the Government’s ambitious targets for businesses and jobs supported, while also unlocking millions of pounds of further private capital.
- [Finwell London Briefing Paper 3](https://responsiblefinance.org.uk/download/finwell-london-briefing-paper-3/?tmstv=1791661374)
- [Responsible Finance Response: Danny Kruger MP Review into Charities and Social Enterprises' Contribution to the Recovery from COVID-19](https://responsiblefinance.org.uk/download/danny-kruger-mp-review-into-charities-and-social-enterprises/?tmstv=1791661374)
- [BEIS Inquiry and Working Groups Questions](https://responsiblefinance.org.uk/download/beis-inquiry-and-working-groups-questions/?tmstv=1791661374)
- [GFA Exchange Machine Learning Handout](https://responsiblefinance.org.uk/download/gfa-exchange-machine-learning-handout/?tmstv=1791661374)
- [Responsible Finance Personal Lenders Response: Treasury Select Committee Inquiry into the Economic Impact of Coronavirus](https://responsiblefinance.org.uk/download/responsible-finance-personal-lenders-response-treasury-select-committee-inquiry-into-the-economic-impact-of-coronavirus/?tmstv=1791661374)
- [Citi Funded Action Learning Set Pilot](https://responsiblefinance.org.uk/download/citi-funded-action-learning-set-pilot/?tmstv=1791661374)
- [Responsible Finance Enterprise Lenders Response: Treasury Select Committee Inquiry into the Economic Impact of Coronavirus](https://responsiblefinance.org.uk/download/responsible-finance-enterprise-lenders-response-treasury-select-committee-inquiry-into-the-economic-impact-of-coronavirus/?tmstv=1791661374)
- [Enterprise Lending CDFIs and the Recovery](https://responsiblefinance.org.uk/download/enterprise-lending-cdfis-and-the-recovery/?tmstv=1791661374)
- [FCA COVID-19 Guidance Response](https://responsiblefinance.org.uk/download/fca-covid-19-guidance-response/?tmstv=1791661374)
- [Letter to Kevin Hollinrake MP](https://responsiblefinance.org.uk/download/letter-to-kevin-hollinrake-mp/?tmstv=1791661374)
- [ELN Communications and Media Call Note](https://responsiblefinance.org.uk/download/eln-communications-and-media-call-note/?tmstv=1791661374)
- [ELN Communications and Media Strategy](https://responsiblefinance.org.uk/download/eln-communications-and-media-strategy/?tmstv=1791661374)
- [COVID-19 Response Monitoring Template](https://responsiblefinance.org.uk/download/covid-19-response-monitoring-template/?tmstv=1791661374)
- [European funding and the responsible finance sector](https://responsiblefinance.org.uk/download/european-funding-and-the-responsible-finance-sector/?tmstv=1791661374) - The EU’s European Regional Development Fund has been critical to the effective regeneration of regions across the UK. Its coherence and longevity have been key to its success. EU funding and instruments have been instrumental for CDFIs in enabling them to grow their SME lending and increase their offering of advice and support services to entrepreneurs.
- [FinWell Briefing Paper 2](https://responsiblefinance.org.uk/download/finwell-briefing-paper-2/?tmstv=1791661374)
- [Responsible Finance Letter to MP Information Sheet](https://responsiblefinance.org.uk/download/responsible-finance-letter-to-mp-information-sheet/?tmstv=1791661374)
- [Responsible Finance Template Letter for MP: Personal Lending](https://responsiblefinance.org.uk/download/responsible-finance-template-letter-for-mp-personal-lending-2/?tmstv=1791661374)
- [Responsible Finance Template Letter for MP: Social Enterprise Lending](https://responsiblefinance.org.uk/download/responsible-finance-template-letter-for-mp-social-enterprise-lending/?tmstv=1791661374)
- [Responsible Finance Template Letter for MP: Business Lenders](https://responsiblefinance.org.uk/download/responsible-finance-template-letter-for-mp-business-lenders/?tmstv=1791661374)
- [Responsible Finance Template Letter for MP: Personal Lending](https://responsiblefinance.org.uk/download/responsible-finance-template-letter-for-mp-personal-lending/?tmstv=1791661374)
- [Responsible Finance 2019 Election Manifesto](https://responsiblefinance.org.uk/download/responsible-finance-2019-election-manifesto/?tmstv=1791661374)
- [Responsible Finance Template: SM&CR Statements of Responsibilities](https://responsiblefinance.org.uk/download/responsible-finance-template-smcr-statements-of-responsibilities/?tmstv=1791661374)
- [Responsible Finance Briefing: FCA Fit and Proper Test for Employees and Senior Personnel Sourcebook](https://responsiblefinance.org.uk/download/responsible-finance-briefing-fca-fit-and-proper-test-for-employees-and-senior-personnel-sourcebook/?tmstv=1791661374)
- [Application form - Loan Officer](https://responsiblefinance.org.uk/download/application-form-loan-officer/?tmstv=1791661374)
- [Application form - Rising Star](https://responsiblefinance.org.uk/download/application-form-rising-star/?tmstv=1791661374)
- [Application form - Resilience](https://responsiblefinance.org.uk/download/application-form-resilience/?tmstv=1791661374)
- [Application form - Impact](https://responsiblefinance.org.uk/download/application-form-impact/?tmstv=1791661374)
- [Application form - Growth](https://responsiblefinance.org.uk/download/application-form-growth/?tmstv=1791661374)
- [Application form - Environmental Sustainability](https://responsiblefinance.org.uk/download/application-form-environmental-sustainability/?tmstv=1791661374)
- [Application Form - Young](https://responsiblefinance.org.uk/download/application-form-young/?tmstv=1791661374)
- [Application Form Social](https://responsiblefinance.org.uk/download/application-form-social/?tmstv=1791661374)
- [Responsible Finance Briefing: The FCA's fair treatment of vulnerable customers consultation](https://responsiblefinance.org.uk/download/fair-treatment-of-vulnerable-customers-consultation-july-2019/?tmstv=1791661374)
- [Responsible Finance Briefing: The FCA's alternatives to high-cost credit report](https://responsiblefinance.org.uk/download/rf-briefing-note-high-cost-credit-july-2019/?tmstv=1791661374)
- [CIC Newsletter June 2019](https://responsiblefinance.org.uk/download/cic-newsletter-june-2019/?tmstv=1791661374)
- [Responsible Finance Briefing: The Breathing Space and Statutory Repayment Plan policy proposal](https://responsiblefinance.org.uk/download/responsible-finance-briefing-the-breathing-space-and-statutory-repayment-plan-policy-proposal/?tmstv=1791661374) - The government committed to implementing a breathing space and statutory debt repayment plan in its 2017 manifesto, and set out its policy proposal in June 2019. This document is a summary of the proposal for members.
- [Responsible Finance Factsheet: The Statutory Debt Repayment Plan](https://responsiblefinance.org.uk/download/responsible-finance-factsheet-the-statutory-debt-repayment-plan/?tmstv=1791661374) - A factsheet on the government's statutory debt repayment plan policy proposal.
- [Responsible Finance Factsheet: The Breathing Space Scheme](https://responsiblefinance.org.uk/download/responsible-finance-factsheet-the-breathing-space-scheme/?tmstv=1791661374) - A factsheet on the government's breathing space scheme policy proposal.
- [Social Impact Taskforce proposal for CITR](https://responsiblefinance.org.uk/download/social-impact-taskforce-proposal-for-citr/?tmstv=1791661374)
- [Responsible Finance Briefing: FCA Webinar on the SM&CR](https://responsiblefinance.org.uk/download/responsible-finance-briefing-fca-webinar-on-the-smcr/?tmstv=1791661374) - To help with member preparation for the incoming Senior Managers and Certification regime we have created this briefing which contains some frequently asked questions by firms.
- [CIC Newsletter, May 2019](https://responsiblefinance.org.uk/download/cic-newsletter-may-2019/?tmstv=1791661374)
- [Responsible Finance's 2019 Manifesto](https://responsiblefinance.org.uk/download/responsible-finances-2019-manifesto/?tmstv=1791661374) - The responsible finance industry works to promote prosperity and address inequality by empowering people to take control of their financial futures. We are calling on all political parties to support the growth of responsible finance providers by endorsing the commitments in our manifesto.
- [Responsible Finance Response: BEIS Inquiry into Regional Investment and Growth](https://responsiblefinance.org.uk/download/responsible-finance-response-beis-inquiry-into-regional-investment-and-growth/?tmstv=1791661374)
- [Annual Survey 2019 Question PDF](https://responsiblefinance.org.uk/download/annual-survey-2019-question-pdf/?tmstv=1791661374)
- [2019 Loan Book Extract Template](https://responsiblefinance.org.uk/download/2019-loan-book-extract-template/?tmstv=1791661374)
- [Consumers, Credit and Scaling Affordable Lending: A Literature and Evidence Review](https://responsiblefinance.org.uk/download/consumers-credit-and-scaling-affordable-lending-a-literature-and-evidence-review-3/?tmstv=1791661374) - Responsible Finance (RF) and Centre for Business in Society (CBiS), Coventry University have been funded by Oak Foundation to undertake a research programme to advance the supply of sustainable and affordable finance products to those excluded from mainstream credit and lending markets. The programme’s particular focus is to investigate how to overcome barriers to affordable lenders meeting consumer demand at a national scale and in a sustainable manner. This Review draws on a range of academic, think tank, policy, advocacy and financial industry reports to provide a broader historical and literature context to the current market assessment activity of the Financial Conduct Authority (FCA). The Review is focused on the position and implications for affordable consumer lending and forms part of a larger programme of work including: Evaluation of the Affordable Lending Portal; Case Studies of other affordable lending initiatives; and an investigation in to the emergence of ‘inclusive credit scoring’ approaches.
- [Responsible Finance Response: TSC Inquiry into Consumers' Access to Financial Services](https://responsiblefinance.org.uk/download/tsc-inquiry-consumers-access-to-financial-services/?tmstv=1791661374)
- [Responsible Finance Response: Scottish Affairs Committee Inquiry on Access to Financial Services in Scotland](https://responsiblefinance.org.uk/download/responsible-finance-response-scottish-affairs-committee-inquiry-on-access-to-financial-services-in-scotland/?tmstv=1791661374)
- [The Responsible Finance Economic Impact Tool: Calculator](https://responsiblefinance.org.uk/download/the-responsible-finance-economic-impact-tool-calculator/?tmstv=1791661374)
- [Responsible Finance Briefing: The FCA's Business Plan 2019/20](https://responsiblefinance.org.uk/download/responsible-finance-briefing-the-fcas-business-plan-2019-20/?tmstv=1791661374) - The Financial Conduct Authority (FCA) published its annual business plan in April and we have prepared a short 5-page briefing which captures key priorities relevant to the responsible finance sector.
- [Annual report 2018](https://responsiblefinance.org.uk/download/annual-report-2018/?tmstv=1791661374) - Responsible Finance - The Industry in 2018
- [CIC Newsletter march 2019](https://responsiblefinance.org.uk/download/cic-newsletter-march-2019/?tmstv=1791661374) - March 2019 CIC Newsletter
- [CIC Newsletter April 2019](https://responsiblefinance.org.uk/download/cic-newsletter-april-2019/?tmstv=1791661374) - April 2019 Newsletter
- [Responsible Finance Briefing: SM&CR Statements of Responsibilities](https://responsiblefinance.org.uk/download/responsible-finance-briefing-smcr-statements-of-responsibilities/?tmstv=1791661374)
- [BCRS Digital Marketing Assistant application form](https://responsiblefinance.org.uk/download/bcrs-digital-marketing-assistant-application-form/?tmstv=1791661374)
- [Richard Haymes, Equifax](https://responsiblefinance.org.uk/download/richard-haymes-equifax/?tmstv=1791661374)
- [Marcus Hulme, Places For People](https://responsiblefinance.org.uk/download/marcus-hulme-places-for-people/?tmstv=1791661374)
- [Lee Jagger, Charity Bank](https://responsiblefinance.org.uk/download/lee-jagger-charity-bank/?tmstv=1791661374)
- [Holly Piper, CAF venturesome](https://responsiblefinance.org.uk/download/holly-piper-caf-venturesome/?tmstv=1791661374)
- [Sharon McPherson, Scotcash](https://responsiblefinance.org.uk/download/sharon-mcpherson-scotcash/?tmstv=1791661374)
- [James Berry, BCU](https://responsiblefinance.org.uk/download/james-berry-bcu/?tmstv=1791661374)
- [Neil Cowley, SBC](https://responsiblefinance.org.uk/download/neil-cowley-sbc/?tmstv=1791661374)
- [Maria Wishart, ERC](https://responsiblefinance.org.uk/download/maria-wishart-erc/?tmstv=1791661374)
- [Ed Ingram, UTB](https://responsiblefinance.org.uk/download/ed-ingram-utb/?tmstv=1791661374)
- [Paul Kalinauckas, Plenary 2](https://responsiblefinance.org.uk/download/paul-kalinauckas-plenary-2/?tmstv=1791661374)
- [Jennifer Tankard, Responsible Finance](https://responsiblefinance.org.uk/download/jennifer-tankard-plenary-1-presentation/?tmstv=1791661374)
- [Miles Cheetham, Open Banking](https://responsiblefinance.org.uk/download/miles-cheetham-open-banking/?tmstv=1791661374)
- [Business lending workshop](https://responsiblefinance.org.uk/download/business-lending-workshop/?tmstv=1791661374)
- [Bill Erskine, Five Lamps](https://responsiblefinance.org.uk/download/bill-erskine-five-lamps/?tmstv=1791661374)
- [Mick Brown, Robert Owen Community Bank](https://responsiblefinance.org.uk/download/mick-brown-robert-owen-community-bank/?tmstv=1791661374)
- [Niall Alexander, Carnegie UK](https://responsiblefinance.org.uk/download/niall-alexander-carnegie-uk/?tmstv=1791661374)
- [Paul Kalinauckas, Responsible Finance](https://responsiblefinance.org.uk/download/paul-kalinauckas-responsible-finance/?tmstv=1791661374)
- [Financial Inclusion Officer Job Description](https://responsiblefinance.org.uk/download/financial-inclusion-officer-job-description/?tmstv=1791661374)
- [RF Annual Conference 2019 programme](https://responsiblefinance.org.uk/download/rf-annual-conference-2019-programme/?tmstv=1791661374) - RF Annual Conference programme FINAL VERSION
- [CIC Newsletter Feb 2019](https://responsiblefinance.org.uk/download/cic-newsletter-feb-2019/?tmstv=1791661374)
- [Introductory guide to setting up a responsible finance provider](https://responsiblefinance.org.uk/download/introductory-guide-to-setting-up-a-responsible-finance-provider/?tmstv=1791661374)
- [An Economic Impact Tool for the Community Finance Industry: 2014 Report](https://responsiblefinance.org.uk/download/an-economic-impact-tool-for-the-community-finance-industry/?tmstv=1791661374) - This report sets out how the original 2014 tool was designed and the evidence used.
- [The Responsible Finance Economic Impact Tool: 2018/19 Update Report](https://responsiblefinance.org.uk/download/the-responsible-finance-economic-impact-tool-2018-19-update/?tmstv=1791661374)
- [Minutes 2018 AGM](https://responsiblefinance.org.uk/download/minutes-2018-agm/?tmstv=1791661374)
- [Board nomination form](https://responsiblefinance.org.uk/download/board-nomination-form/?tmstv=1791661374)
- [Board member compliance document](https://responsiblefinance.org.uk/download/board-member-compliance-document/?tmstv=1791661374)
- [2019 AGM member cover letter](https://responsiblefinance.org.uk/download/2019-agm-member-cover-letter/?tmstv=1791661374)
- [2019 AGM Agenda](https://responsiblefinance.org.uk/download/2019-agm-agenda/?tmstv=1791661374)
- [2017 RGF CIC signed accounts](https://responsiblefinance.org.uk/download/2017-rgf-cic-signed-accounts/?tmstv=1791661374)
- [2017 CDFA signed accounts](https://responsiblefinance.org.uk/download/2017-cdfa-signed-accounts/?tmstv=1791661374)
- [CITR May 2018](https://responsiblefinance.org.uk/download/citr-may-2018/?tmstv=1791661374)
- [CITR March 2018](https://responsiblefinance.org.uk/download/citr-march-2018/?tmstv=1791661374)
- [SE minutes 2018](https://responsiblefinance.org.uk/download/se-minutes-2018/?tmstv=1791661374)
- [PLN notes October 2018](https://responsiblefinance.org.uk/download/pln-notes-october-2018/?tmstv=1791661374)
- [PLN notes June 2018](https://responsiblefinance.org.uk/download/pln-notes-june-2018/?tmstv=1791661374)
- [PLN notes February 2018](https://responsiblefinance.org.uk/download/pln-notes-february-2018/?tmstv=1791661374)
- [2016 report to members](https://responsiblefinance.org.uk/download/2016-report-to-members/?tmstv=1791661374)
- [2017 report to members](https://responsiblefinance.org.uk/download/2017-report-to-members/?tmstv=1791661374)
- [2018 annual report to members](https://responsiblefinance.org.uk/download/2018-annual-report-to-members/?tmstv=1791661374)
- [CIC Newsletter January 2019](https://responsiblefinance.org.uk/download/cic-newsletter-january-2019/?tmstv=1791661374)
- [Responsible Finance information sheet: the FCA's work on alternatives to high-cost credit](https://responsiblefinance.org.uk/download/responsible-finance-information-sheet-the-fcas-work-on-alternatives-to-high-cost-credit/?tmstv=1791661374) - In its feedback statement CP18/12, the FCA outlined its further actions on alternatives to high-cost credit. We thought it would be useful to compile the list of action points and key announcements to watch out for in the coming months.
- [Responsible Finance Response: Breathing Space Call for Evidence](https://responsiblefinance.org.uk/download/breathing-space-responsible-finance-response-pdf/?tmstv=1791661374) - Responsible Finance responded to the Government’s call for evidence on its Breathing Space proposals.
- [Responsible Finance Response: Integrated Communities Strategy Green Paper](https://responsiblefinance.org.uk/download/responsible-finance-response-integrated-communities-strategy-green-paper/?tmstv=1791661374)
- [Responsible Finance Response: FCA Regulatory Fees and Levies 2019/20](https://responsiblefinance.org.uk/download/responsible-finance-response-fca-regulatory-fees-and-levies-2019-20/?tmstv=1791661374)
- [Responsible Finance Response: The FCA's High Cost Credit Review](https://responsiblefinance.org.uk/download/responsible-finance-response-the-fcas-high-cost-credit-review/?tmstv=1791661374)
- [Responsible Finance Response: Treasury Consumers' Access to Financial Services Inquiry](https://responsiblefinance.org.uk/download/responsible-finance-response-treasury-consumers-access-to-financial-services-inquiry/?tmstv=1791661374)
- [Responsible Finance Briefing and Consultation Questions on HM Treasury's Breathing Space Scheme Consultation](https://responsiblefinance.org.uk/download/responsible-finance-briefing-and-consultation-questions-on-hm-treasurys-breathing-space-scheme-consultation/?tmstv=1791661374)
- [Responsible Finance 2018 Annual Membership Report](https://responsiblefinance.org.uk/download/responsible-finance-2018-annual-membership-report/?tmstv=1791661374)
- [Politics Home: Analytics Report of Responsible Finance Publications 2018](https://responsiblefinance.org.uk/download/politics-home-analytics-report-of-responsible-finance-publications-2018/?tmstv=1791661374)
- [Responsible Finance Communications & Media Board Report, September - November](https://responsiblefinance.org.uk/download/responsible-finance-communications-media-board-report-september-november/?tmstv=1791661374)
- [Responsible Finance Briefing: The FCA's Duty of Care Discussion Paper](https://responsiblefinance.org.uk/download/responsible-finance-briefing-the-fcas-duty-of-care-discussion-paper/?tmstv=1791661374)
- [Responsible Finance Briefing: The FCA's Occasional Paper Number 8](https://responsiblefinance.org.uk/download/responsible-finance-briefing-the-fcas-occasional-paper-number-8/?tmstv=1791661374)
- [Responsible Finance Briefing: The FCA's Approach to Consumers](https://responsiblefinance.org.uk/download/responsible-finance-briefing-the-fcas-approach-to-consumers/?tmstv=1791661374)
- [Responsible Finance Call for Input into the Treasury Committee's Inquiry on Consumers' Access to Financial Services](https://responsiblefinance.org.uk/download/responsible-finance-call-for-input-into-the-treasury-committees-inquiry-on-consumers-access-to-financial-services/?tmstv=1791661374)
- [Responsible Finance briefing on the SM&CR proposed guidance on Statements of Responsibilities](https://responsiblefinance.org.uk/download/responsible-finance-briefing-on-the-smcr-proposed-guidance-on-statements-of-responsibilities/?tmstv=1791661374)
- [Unity Trust Bank Service Level Commitment](https://responsiblefinance.org.uk/download/unity-trust-bank-service-level-commitment/?tmstv=1791661374)
- [Responsible Finance Budget 2018 Briefing](https://responsiblefinance.org.uk/download/responsible-finance-budget-2018-briefing/?tmstv=1791661374)
- [DRAFT: Guide to setting up a responsible finance provider](https://responsiblefinance.org.uk/download/draft-guide-to-setting-up-a-responsible-finance-provider/?tmstv=1791661374)
- [CIC Newsletter 10/18](https://responsiblefinance.org.uk/download/cic-newsletter-10-18/?tmstv=1791661374)
- [Responsible Finance's Budget Representation 2018](https://responsiblefinance.org.uk/download/responsible-finances-budget-representation-2018/?tmstv=1791661374) - Responsible Finance has submitted its 2018 Autumn Budget representation calling on HM Treasury to make key commitments to the industry in order to shape the financial services of the future into a system that is competitive, diverse and inclusive.
- [Application-form-Young-1819.docx](https://responsiblefinance.org.uk/download/application-form-young-1819-docx/?tmstv=1791661374)
- [Application-form-Social-1819.docx](https://responsiblefinance.org.uk/download/application-form-social-1819-docx/?tmstv=1791661374)
- [Application-form-Enviro-Sustainability-1819.docx](https://responsiblefinance.org.uk/download/application-form-enviro-sustainability-1819-docx/?tmstv=1791661374)
- [Application-form-Growth-1819.docx](https://responsiblefinance.org.uk/download/application-form-growth-1819-docx/?tmstv=1791661374)
- [Application-form-Leader-1819.docx](https://responsiblefinance.org.uk/download/application-form-leader-1819-docx/?tmstv=1791661374)
- [Application-form-Loan-Officer-1819.docx](https://responsiblefinance.org.uk/download/application-form-loan-officer-1819-docx/?tmstv=1791661374)
- [Application-form-Resilience-1819.docx](https://responsiblefinance.org.uk/download/application-form-resilience-1819-docx/?tmstv=1791661374)
- [Application-form-Impact-1819.docx](https://responsiblefinance.org.uk/download/application-form-impact-1819-docx/?tmstv=1791661374)
- [CIC-Newsletter-Sept-2018.pdf](https://responsiblefinance.org.uk/download/cic-newsletter-sept-2018-pdf/?tmstv=1791661374)
- [The Responsible Finance Continuing Professional Development Training Programme 2018](https://responsiblefinance.org.uk/download/the-responsible-finance-continuing-professional-development-training-programme-2018/?tmstv=1791661374)
- [Responsible Finance SM&CR Directory briefing and consultation questions](https://responsiblefinance.org.uk/download/responsible-finance-smcr-directory-briefing-and-consultation-questions/?tmstv=1791661374)
- [Responsible Finance Continuing Professional Development Training Programme 2018](https://responsiblefinance.org.uk/download/responsible-finance-continuing-professional-development-training-programme-2018/?tmstv=1791661374)
- [Harvard Kennedy - Tackling Financial Exclusion](https://responsiblefinance.org.uk/download/harvard-kennedy-tackling-financial-exclusion/?tmstv=1791661374)
- [Responsible Finance Response to the FCA's High-Cost Credit Consultation](https://responsiblefinance.org.uk/download/responsible-finance-response-to-the-fcas-high-cost-credit-consultation-august-2018/?tmstv=1791661374)
- [Responsible Finance Briefing on the FCA's Senior Mangers & Certification Regime](https://responsiblefinance.org.uk/download/responsible-finance-briefing-on-the-fcas-senior-mangers-certification-regime/?tmstv=1791661374)
- [Responsible Finance CPD Training Programme 2018](https://responsiblefinance.org.uk/download/responsible-finance-cpd-training-programme-2018/?tmstv=1791661374)
- [CIC Newsletter, July 2018](https://responsiblefinance.org.uk/download/cic-newsletter-july-2018/?tmstv=1791661374)
- [Responsible Finance Call for Input on the FCA High Cost Credit Consultation](https://responsiblefinance.org.uk/download/fca-high-cost-credit-consultation/?tmstv=1791661374)
- [MFC-EMN Annual Conference Communication Kit](https://responsiblefinance.org.uk/download/mfc-emn-annual-conference-communication-kit/?tmstv=1791661374)
- [Members Newsletter 31st May 2018](https://responsiblefinance.org.uk/download/members-newsletter-31st-may-2018/?tmstv=1791661374)
- [Members Newsletter 14th June 2018](https://responsiblefinance.org.uk/download/members-newsletter-14th-june-2018/?tmstv=1791661374)
- [Members Newsletter 28th June](https://responsiblefinance.org.uk/download/members-newsletter-28th-june/?tmstv=1791661374)
- [CITR Comparisons](https://responsiblefinance.org.uk/download/citr-comparisons/?tmstv=1791661374)
- [Responsible Finance Summer Briefing, July 2018](https://responsiblefinance.org.uk/download/responsible-finance-summer-briefing-july-2018/?tmstv=1791661374)
- [Recruitment Pack for Chair of Board of Directors](https://responsiblefinance.org.uk/download/recruitment-pack-for-chair-of-board-of-directors/?tmstv=1791661374)
- [Responsible Finance response to the call for evidence on better reporting](https://responsiblefinance.org.uk/download/responsible-finance-response-to-the-call-for-evidence-on-better-reporting/?tmstv=1791661374)
- [](https://responsiblefinance.org.uk/download/12735/?tmstv=1791661374) - CITR and other tax reliefs
- [CIC Flyer 2018](https://responsiblefinance.org.uk/download/cic-flyer-2018/?tmstv=1791661374)
- [CIC Newsletter, June 2018](https://responsiblefinance.org.uk/download/cic-newsletter-june-2018/?tmstv=1791661374)
- [Mind the Finance Gap: Evidencing demand for community finance](https://responsiblefinance.org.uk/download/mind-the-finance-gap-evidencing-demand-for-community-finance/?tmstv=1791661374) - Unmet demand for finance amongst individuals and organisations that do not qualify for traditional bank funding has reached more than £6billion. Our research, supported by RBS Group, quantifies, for the first time, the ‘gap’ that responsible finance providers (also known as CDFIs) are trying to fill. The report concludes that this scale of unmet demand cannot be met by traditional bank finance but via a partnership of public, private and social investors – through a viable and sustainable community finance system as an established and embedded feature of the UK’s financial landscape.
- [Inside Community Finance 2014](https://responsiblefinance.org.uk/download/inside-community-finance-2014/?tmstv=1791661374) - Our annual flagship publication, setting out the activity, achievements, challenges and impacts of our members (historically known as community development finance institutions) across the UK. It is based on a survey of our members, and provides a rich and fascinating picture of the industry. Inside Community Finance 2014 demonstrates how our members are playing a significant role in broadening diversity in the financial services industry, and meeting increased demand for alternative finance. In 2014 Responsible Finance providers helped over 50,000 customers with loans of £173m.
- [The CDFI Funding Model](https://responsiblefinance.org.uk/download/the-cdfi-funding-model/?tmstv=1791661374) - Our report on the funding model for the responsible finance industry; where providers secure funding from, and potential models for sustainable funding in the future.
- [Responsible Finance Programme Manager Job Description](https://responsiblefinance.org.uk/download/12621/?tmstv=1791661374)
- [Response from UTB and way forward](https://responsiblefinance.org.uk/download/response-from-utb-and-way-forward/?tmstv=1791661374)
- [Coop bank response to the complaint 4th June 2018](https://responsiblefinance.org.uk/download/coop-bank-response-to-the-complaint-4th-june-2018/?tmstv=1791661374)
- [Members Newsletter 17th May 2018](https://responsiblefinance.org.uk/download/members-newsletter-17th-may-2018/?tmstv=1791661374)
- [Affordable Lending Case Studies Report, 2018](https://responsiblefinance.org.uk/download/affordable-lending-case-studies-report-2018/?tmstv=1791661374) - The vision of affordable lenders is that everyone should have access to affordable and appropriate credit, delivered in a fair, respectful and responsible way. Affordable lenders are typically social purpose lenders, such as responsible finance providers and credit unions. Reliance on high cost credit continues to grow and the consumer detriment caused by unsustainable debt is now well documented. Affordable lenders such as responsible finance providers and credit unions are long-standing lenders in this market, providing an ethical alternative to high cost credit, that is both lower cost and provides wrap-around services that supports consumers’ financial capability. Whilst they are effective interventions, these affordable lenders are small scale and look different from one another as they are locally focused. Therefore when looking at the problem at a national scale it can be challenging to draw common themes from the affordable credit sector. As policymakers, regulators and practitioners search for a scalable solution for the provision of affordable credit, this report provides a spotlight on five organisations and their pathways to scale. The five organisations highlighted are very different in terms of their histories, size and lifecycle stage. However the commonalities in their journeys point to the keys to unlock scale for the affordable credit sector.
- [CIC Newsletter, May 2018](https://responsiblefinance.org.uk/download/cic-newsletter-may-2018/?tmstv=1791661374)
- [Ethnicity and Financial Exclusion](https://responsiblefinance.org.uk/download/ethnicity-and-financial-exclusion/?tmstv=1791661374)
- [CIC Logbook Loan Briefing, 2014](https://responsiblefinance.org.uk/download/cic-logbook-loan-briefing-2014/?tmstv=1791661374)
- [CITR Working Group Call Meeting Note 7 March 2018](https://responsiblefinance.org.uk/download/citr-working-group-call-meeting-note-7-march-2018/?tmstv=1791661374)
- [May 2018 Minutes](https://responsiblefinance.org.uk/download/may-2018-minutes/?tmstv=1791661374)
- [Annual Survey 2018 - PDF Download](https://responsiblefinance.org.uk/download/annual-survey-2018-pdf-download/?tmstv=1791661374)
- [Loan Book Extract Template](https://responsiblefinance.org.uk/download/loan-book-extract-template/?tmstv=1791661374)
- [Training Programme 2018](https://responsiblefinance.org.uk/download/training-programme-2018/?tmstv=1791661374) - Responsible Finance offers an array of continuing professional development opportunities for our network. Courses are delivered by experts in the field and tailored to the needs of the responsible finance sector. All participants receive CPD hours for their participation. This programme sets out the range of face-to-face and webinar sessions taking place during 2018.
- [CIC Newsletter, April 2018](https://responsiblefinance.org.uk/download/cic-newsletter-april-2018/?tmstv=1791661374)
- [Community Investment Coalition 2018 Manifesto](https://responsiblefinance.org.uk/download/community-investment-coalition-2018-manifesto/?tmstv=1791661374)
- [Responsible Finance and CDFA Webinar Slides: U.S. vs. U.K. Access to Capital Strategies](https://responsiblefinance.org.uk/download/responsible-finance-and-cdfa-webinar-slides-u-s-vs-u-k-access-to-capital-strategies/?tmstv=1791661374)
- [Treasury Select Committee: SME finance inquiry](https://responsiblefinance.org.uk/download/treasury-select-committee-sme-finance-inquiry/?tmstv=1791661374) - Responsible Finance responded to the Treasury Select Committee’s inquiry on SME finance.
- [Community Banking Charter](https://responsiblefinance.org.uk/download/community-banking-charter/?tmstv=1791661374)
- [FCA business plan 2018-9 - Fair Finance](https://responsiblefinance.org.uk/download/fca-business-plan-2018-9-fair-finance/?tmstv=1791661374)
- [Responsible Finance: The Industry in 2016](https://responsiblefinance.org.uk/download/responsible-finance-the-industry-in-2016/?tmstv=1791661374) - Our flagship publication on the responsible finance industry in 2016.
- [Business Development Executive JD](https://responsiblefinance.org.uk/download/business-development-executive-jd/?tmstv=1791661374)
- [Responsible Finance 2017: Figures from Wales](https://responsiblefinance.org.uk/download/responsible-finance-2017-figures-from-wales/?tmstv=1791661374) - 1 page infographic highlighting the work of our members who lend in Wales in 2017.
- [Business, Energy and Industrial Strategy Committee: Small business and productivity inquiry](https://responsiblefinance.org.uk/download/beis-committee-small-businesses-and-productivity-inquiry/?tmstv=1791661374) - Responsible Finance responded to the Business Energy and Industrial Strategy Committee’s inquiry into small businesses and productivity.
- [Number of ATMs per 100,000 adults, European Union](https://responsiblefinance.org.uk/download/number-of-atms-per-100000-adults-european-union/?tmstv=1791661374)
- [Bank Branches per 100,000 adults, European Union](https://responsiblefinance.org.uk/download/bank-branches-per-100000-adults-european-union/?tmstv=1791661374)
- [Response to the Government’s Breathing Space Proposals](https://responsiblefinance.org.uk/download/response-to-breathing-space-proposals/?tmstv=1791661374) - Responsible Finance has responded to the Government's Breathing Space call for evidence.
- [March 2018 Minutes](https://responsiblefinance.org.uk/download/march-2018-minutes-4/?tmstv=1791661374)
- [March 2018 Minutes](https://responsiblefinance.org.uk/download/march-2018-minutes-3/?tmstv=1791661374)
- [Tackling the high cost credit problem: the importance of real-time regulatory databases](https://responsiblefinance.org.uk/download/tackling-the-high-cost-credit-problem-the-importance-of-real-time-regulatory-databases/?tmstv=1791661374)
- [February 2018 Minutes](https://responsiblefinance.org.uk/download/february-2018-minutes-5/?tmstv=1791661374)
- [February 2018 Minutes](https://responsiblefinance.org.uk/download/february-2018-minutes-2/?tmstv=1791661374)
- [February 2018 Minutes](https://responsiblefinance.org.uk/download/february-2018-minutes-4/?tmstv=1791661374)
- [February 2018 Minutes](https://responsiblefinance.org.uk/download/february-2018-minutes-3/?tmstv=1791661374)
- [Jessica Brown, The Connect Fund](https://responsiblefinance.org.uk/download/niall-alexander-carnegie-trust/?tmstv=1791661374)
- [July 2017 Minutes](https://responsiblefinance.org.uk/download/july-2017-minutes/?tmstv=1791661374)
- [April 2017 Minutes](https://responsiblefinance.org.uk/download/april-2017-minutes/?tmstv=1791661374)
- [November 2017 Minutes](https://responsiblefinance.org.uk/download/november-2017-minutes/?tmstv=1791661374)
- [February 2018 Minutes](https://responsiblefinance.org.uk/download/february-2018-minutes/?tmstv=1791661374)
- [March 2018 Minutes](https://responsiblefinance.org.uk/download/march-2018-minutes-2/?tmstv=1791661374)
- [March 2018 Minutes](https://responsiblefinance.org.uk/download/march-2018-minutes/?tmstv=1791661374)
- [Meeting-notes-PLN-27-April-2017-3.docx](https://responsiblefinance.org.uk/download/meeting-notes-pln-27-april-2017-3-docx/?tmstv=1791661374)
- [Meeting-notes-PLN-27-April-2017-1.docx](https://responsiblefinance.org.uk/download/meeting-notes-pln-27-april-2017-1-docx/?tmstv=1791661374)
- [About-the-Responsible-Finance-Sector.pptx](https://responsiblefinance.org.uk/download/about-the-responsible-finance-sector-pptx/?tmstv=1791661374)
- [Up-to-date list of MPs and constituencies and contact info](https://responsiblefinance.org.uk/download/matched-march-18-1-xlsx/?tmstv=1791661374) - Find here an up-to-date list of MPs and constituencies and contact info, which also flags if any have an interest in A2F or have a relevant ministerial position.
- [MPs, their constituencies and contact info](https://responsiblefinance.org.uk/download/mps-their-constituencies-and-contact-info/?tmstv=1791661374)
- [Newsletter 23rd February](https://responsiblefinance.org.uk/download/newsletter-23rd-february-2/?tmstv=1791661374)
- [Newsletter 23rd March](https://responsiblefinance.org.uk/download/newsletter-23rd-march/?tmstv=1791661374)
- [Newsletter 9th March](https://responsiblefinance.org.uk/download/newsletter-9th-march/?tmstv=1791661374)
- [Citi Microentrepreneurship Awards 2018: Media Report](https://responsiblefinance.org.uk/download/citi-microentrepreneurship-awards-2018-media-report/?tmstv=1791661374) - The Citi Microentrepreneurship Awards provide a unique opportunity to promote the responsible finance industry and its role in supporting financial inclusion, entrepreneurship, job creation and economic growth. This year the Awards attracted widespread coverage, raising the profile of Responsible Finance and the Citi Foundation. This document summaries the media coverage from the Citi Microentrepreneurship Awards 2018.
- [CIC Newsletter: March 2018](https://responsiblefinance.org.uk/download/cic-newsletter-march-2018/?tmstv=1791661374)
- [Newsletter-23-March.docx](https://responsiblefinance.org.uk/download/newsletter-23-march-docx/?tmstv=1791661374)
- [Stephen Philips, Burness Paul](https://responsiblefinance.org.uk/download/alastair-davis-social-investment-scotland/?tmstv=1791661374)
- [Kenny Macleod, Scotwest Credit Union](https://responsiblefinance.org.uk/download/john-peters-swig-finance/?tmstv=1791661374)
- [Tim Coomer, Cooperative & Community Finance](https://responsiblefinance.org.uk/download/sam-bamert-ask-if/?tmstv=1791661374)
- [Nick Henry, Centre For Business In Society](https://responsiblefinance.org.uk/download/rob-shearing-sheffield-money/?tmstv=1791661374)
- [Elwin Groenevelt, Qredit](https://responsiblefinance.org.uk/download/david-pitt-watson-london-business-school/?tmstv=1791661374)
- [Paul Kalinauckus, BCRS](https://responsiblefinance.org.uk/download/alex-daly-start-up-loans-company/?tmstv=1791661374)
- [Mick Brown, Robert Owen Community Banking](https://responsiblefinance.org.uk/download/andrew-wallace-wessex-resolutions/?tmstv=1791661374)
- [Rob Haslingden, Experian](https://responsiblefinance.org.uk/download/nichola-storr-five-lamps/?tmstv=1791661374)
- [2017 Budget Submission](https://responsiblefinance.org.uk/download/2017-budget-submission/?tmstv=1791661374) - Responsible Finance has written to Chancellor of the Exchequer, Philip Hammond, in advance of the budget, highlighting the impact of the sector. We have asked him to consider, for inclusion in the budget, launching a responsible finance fund; ensuring tax reliefs and guarantees are fit for purpose; maintaining or replacing access to EU funds and facilities; and ensuring regulation remains appropriate and proportionate.
- [Local Elections 2018: 1 page key graphic](https://responsiblefinance.org.uk/download/local-elections-2018-1-page-key-graphic/?tmstv=1791661374) - 1 page graphic showing the key findings from our 2017 annual report.
- [Local elections 2018: draft letter to new Councillor](https://responsiblefinance.org.uk/download/local-elections-2018-draft-letter-to-new-councillor/?tmstv=1791661374) - Draft letter to welcome a new Councillor to your local authority on behalf of the responsible finance industry.
- [The Future of CDFI Business Lending](https://responsiblefinance.org.uk/download/the-future-of-cdfi-business-lending/?tmstv=1791661374) - This report is the result of a two year research and engagement exercise on funding for business lending for responsible finance providers (also called Community Development Financial Institutions or CDFIs), facilitated by The Centre for Research into Ethnic Minority Entrepreneurship (CREME) at the University of Birmingham. The work was undertaken by two honorary members of CREME, Professor Richard Roberts and Dr Steve Walker, both with long careers in the UK SME finance industry. Dr Steve Walker is Chief Executive of responsible finance provider ART Business Loans, but undertook this work in a personal capacity, with a view to its relevance to the responsible finance sector.
- [Community Investment Tax Relief (CITR) and the Responsible Finance Sector](https://responsiblefinance.org.uk/download/community-investment-tax-relief-citr-and-the-responsible-finance-sector/?tmstv=1791661374) - The first research on Community Investment Tax Relief (CITR) published since the scheme's launch in 2002. Completed by Community Investment Services Ltd the work was commissioned by the Power to Change and a number of responsible finance providers.
- [Responsible Finance '18 Programme](https://responsiblefinance.org.uk/download/responsible-finance-18-programme/?tmstv=1791661374) - See details of the inspiring and informative conference sessions and practical workshops
- [Scaling Up Affordable Lending: Inclusive Credit Scoring](https://responsiblefinance.org.uk/download/scaling-up-affordable-lending-inclusive-credit-scoring/?tmstv=1791661374) - Responsible Finance and Centre for Business in Society (CBiS), Coventry University have been funded by Oak Foundation to undertake a research programme to advance the supply of sustainable and affordable finance products to those excluded from mainstream credit and lending markets. The programme’s particular focus is to investigate how to overcome barriers to affordable lenders meeting consumer demand at a national scale and in a sustainable manner. A known barrier to financial inclusion is the credit scoring approaches utilised by both mainstream and affordable lenders. Current approaches mean that there is an information gap and lenders do not always have the information they need to make a lending decision. Evidence in this report demonstrates the limitations of traditional credit scoring models in their ability to understand and capture the financial reality of consumers today to support full, fair and appropriate access to consumer credit markets. Increasing concerns with whether the current credit scoring methodology is fit-for-purpose for all segments of the consumer market is driving the development of new approaches, including what has been termed ‘inclusive credit scoring’.
- [10 Years of Responsible Finance report](https://responsiblefinance.org.uk/download/10-years-of-responsible-finance-report/?tmstv=1791661374) - The responsible finance market has experienced a rapid rise over the last ten years, with £1.6bn of loans supporting over 50,000 businesses and social enterprises. Our new report also reveals that over the last 10 years the responsible finance has injected £300 million into SMEs, and helped 200,000 people avoid predatory payday lenders. Without this lifeline, over 100,000 jobs would not exist, and hundreds of thousands of people would have been trapped with huge repayments, totalling £20 million, to high cost lenders.
- [CIC Newsletter, Feb '18](https://responsiblefinance.org.uk/download/cic-newsletter-feb-18/?tmstv=1791661374)
- [Data Disclosure Briefing (February 2018)](https://responsiblefinance.org.uk/download/data-disclosure-briefing-december-2017/?tmstv=1791661374) - An overview of lending data released by the British Bankers’ Association, the Council of Mortgage Lenders and high street lenders, with links to data releases.
- [Response to the Treasury Committee's inquiry on 'Household Finances: Income, Saving and Debt'](https://responsiblefinance.org.uk/download/response-to-the-treasury-committee-inquiry-on-household-finances-income-saving-and-debt-inquiry/?tmstv=1791661374) - Responsible Finance has responded to a Treasury Committee inquiry looking at UK household balance sheets. This includes whether households are saving adequately in the current economic environment, problematic and over-indebtedness, inter-generational issues, lifetime financial planning solutions and products to low income households.
- [Response to the FCA’s consultation on extending the Senior Managers & Certification Regime to all FCA firms](https://responsiblefinance.org.uk/download/response-to-the-fcas-consultation-on-extending-the-senior-managers-certification-regime-to-all-fca-firms/?tmstv=1791661374) - Responsible Finance has responded to the FCA’s consultation on extending the Senior Managers & Certification Regime to all FCA firms.
- [Response to the FCA’s consultation on assessing creditworthiness in consumer credit](https://responsiblefinance.org.uk/download/response-to-the-fcas-consultation-on-assessing-creditworthiness-in-consumer-credit/?tmstv=1791661374) - Responsible Finance has responded to the FCA’s consultation on their proposed rules on how consumer credit firms assess creditworthiness.
- [Response to ‘Access to Money: The Mayor’s Role in Promoting Financial Inclusion’](https://responsiblefinance.org.uk/download/response-to-access-to-money-the-mayors-role-in-promoting-financial-inclusion/?tmstv=1791661374) - Responsible Finance has responded to the London Assembly Economy Committee’s investigation into the Mayor’s role in promoting and supporting financial inclusion in London.
- [Response to FCA CP 17/6 proposed corrections](https://responsiblefinance.org.uk/download/response-to-fca-cp-17-6-proposed-corrections/?tmstv=1791661374) - Responsible Finance has responded to the FCA’s proposal to correct the reporting requirements for consumer credit firms.
- [Response to Labour’s proposed Industrial Strategy](https://responsiblefinance.org.uk/download/response-to-labours-proposed-industrial-strategy/?tmstv=1791661374) - Responsible Finance has responded to the Labour Party’s consultation about the priorities of its proposed industrial strategy.
- [Data Disclosure Briefing (December 2017)](https://responsiblefinance.org.uk/download/data-disclosure-briefing-april-2017/?tmstv=1791661374) - An overview of lending data released by the British Bankers’ Association, the Council of Mortgage Lenders and high street lenders, with links to data releases.
- [Consumers, Credit and Scaling Affordable Lending: A Literature and Evidence Review](https://responsiblefinance.org.uk/download/consumers-credit-and-scaling-affordable-lending-a-literature-and-evidence-review/?tmstv=1791661374) - Responsible Finance and Centre for Business in Society (CBiS), Coventry University have been funded by Oak Foundation to undertake a research programme to advance the supply of sustainable and affordable finance products to those excluded from mainstream credit and lending markets. The programme’s particular focus is to investigate how to overcome barriers to affordable lenders meeting consumer demand at a national scale and in a sustainable manner. This Review draws on a range of academic, think tank, policy, advocacy and financial industry reports to provide a broader historical and literature context to the current market assessment activity of the Financial Conduct Authority (FCA). The Review is focused on the position and implications for affordable consumer lending and forms part of a larger programme of work including: Evaluation of the Affordable Lending Portal; Case Studies of other affordable lending initiatives; and an investigation in to the emergence of ‘inclusive credit scoring’ approaches.
- [Microfinance and Start-Ups in the EU: UK Country Profile](https://responsiblefinance.org.uk/download/microfinance-and-start-ups-in-the-eu-uk-country-profile/?tmstv=1791661374) - We produced this research report for the European Microfinance Network (EMN) which maps the start-up ecosystem of the UK and the relationship between microfinance and the non-tech start-up ecosystem in the UK. It includes: An overview of government-led support for start-ups in the UK, both financial and non-financial An analysis of how UK microfinance institutions (MFIs) assist start-ups, including financial and non-financial support, and what changes MFIs believe are needed to better serve start-ups going forward Policy recommendations that would enable more effective delivery of MFI services to more start-ups in the UK
- [January 2018](https://responsiblefinance.org.uk/download/january-2018/?tmstv=1791661374)
- [Consumers, Credit and Scaling Affordable Lending: A Literature and Evidence Review](https://responsiblefinance.org.uk/download/consumers-credit-and-scaling-affordable-lending-a-literature-and-evidence-review-2/?tmstv=1791661374) - Responsible Finance and Centre for Business in Society (CBiS), Coventry University have been funded by Oak Foundation to undertake a research programme to advance the supply of sustainable and affordable finance products to those excluded from mainstream credit and lending markets. The programme’s particular focus is to investigate how to overcome barriers to affordable lenders meeting consumer demand at a national scale and in a sustainable manner. This Review draws on a range of academic, think tank, policy, advocacy and financial industry reports to provide a broader historical and literature context to the current market assessment activity of the Financial Conduct Authority (FCA). The Review is focused on the position and implications for affordable consumer lending and forms part of a larger programme of work including: Evaluation of the Affordable Lending Portal; Case Studies of other affordable lending initiatives; and an investigation in to the emergence of ‘inclusive credit scoring’ approaches.
- [Community Finance Partnerships: Working together to build community finance provision in London](https://responsiblefinance.org.uk/download/community-finance-partnerships-working-together-to-build-community-finance-provision-in-london/?tmstv=1791661374) - City Bridge Trust funded Responsible Finance to work with two responsible finance providers in London to consider how building local partnerships could help to tackle financial exclusion. The pilot was led by Fair Finance and London Small Business Centre. NEF Consulting was commissioned by Responsible Finance to undertake a process and outcome evaluation of the learning activities of the pilot. This learning review focused on the sustainability, replicability, impact of the partnership model.
- [December 2017](https://responsiblefinance.org.uk/download/december-2017/?tmstv=1791661374)
- [Annual Members Report 2017](https://responsiblefinance.org.uk/download/annual-members-report-2017/?tmstv=1791661374) - A summary of our activities and achievements in 2017.
- [Responsible Finance Fund Proposal](https://responsiblefinance.org.uk/download/responsible-finance-fund-proposal/?tmstv=1791661374)
- [Personal Lending Tax Relief Proposal](https://responsiblefinance.org.uk/download/personal-lending-tax-relief-proposal/?tmstv=1791661374)
- [Responsible Finance: The Industry in 2017](https://responsiblefinance.org.uk/download/responsible-finance-the-industry-in-2017/?tmstv=1791661374) - Our flagship publication on the responsible finance industry reveals that responsible finance providers supported 34% more customers compared to the previous year. In 2016-17 responsible finance providers built the financial resilience of 55,000 consumers, supported 12,700 jobs and created 4,200 new businesses.
- [Key Graphics & Statistics: Responsible Finance 2017](https://responsiblefinance.org.uk/download/key-graphics-statistics-responsible-finance-2017/?tmstv=1791661374)
- [](https://responsiblefinance.org.uk/download/11598/?tmstv=1791661374)
- [Executive Assistant Job Description](https://responsiblefinance.org.uk/download/executive-assistant-job-description/?tmstv=1791661374)
- [Partnerships Toolkit](https://responsiblefinance.org.uk/download/partnerships-toolkit/?tmstv=1791661374)
- [](https://responsiblefinance.org.uk/download/11539/?tmstv=1791661374)
- [October 2017](https://responsiblefinance.org.uk/download/october-2017/?tmstv=1791661374)
- [Microentrepreneur Award for Sustainability Application Form](https://responsiblefinance.org.uk/download/microentrepreneur-award-for-sustainability-award-application-form/?tmstv=1791661374)
- [Young Microentrepreneur Award Application Form](https://responsiblefinance.org.uk/download/young-microentrepreneur-award-application-form/?tmstv=1791661374)
- [Microentrepreneur Award for Growth Application Form](https://responsiblefinance.org.uk/download/microentrepreneur-award-for-growth-application-form/?tmstv=1791661374)
- [Social Entrepreneur Award Application Form](https://responsiblefinance.org.uk/download/social-entrepreneur-award-application-form/?tmstv=1791661374)
- [Resilience Award Application form](https://responsiblefinance.org.uk/download/resilience-award-application-form/?tmstv=1791661374)
- [Outstanding Loan Officer Award Application Form](https://responsiblefinance.org.uk/download/outstanding-loan-officer-award-application-form/?tmstv=1791661374)
- [Responsible Finance Leader Award Application Form](https://responsiblefinance.org.uk/download/responsible-finance-leader-award-application-form/?tmstv=1791661374) - ople
- [Impact Award Application Form](https://responsiblefinance.org.uk/download/impact-award-application-form/?tmstv=1791661374)
- [CMA Retail Banking Order and Responsible Finance - Proposal](https://responsiblefinance.org.uk/download/cma-retail-banking-order-and-responsible-finance-proposal/?tmstv=1791661374) - In August 2017, Responsible Finance met with officials from the Competition and Markets Authority (CMA) this week about the Retail Banking Order 2017 and how Part 8 of the Order, which requires lenders to publish a representative APR and share it with third parties, inadvertently applies to our members. Although the CMA are not consulting on the order at the moment they agreed that a more light touch approach should be applied to the sector. We have developed this proposal based on how responsible finance providers are already transparent with their pricing.
- [Creating Local Finance Partnerships](https://responsiblefinance.org.uk/download/creating-local-finance-partnerships/?tmstv=1791661374) - This toolkit sets out the steps involved and the factors to consider when setting up a local finance partnership.
- [FCA proposals on assessing creditworthiness briefing](https://responsiblefinance.org.uk/download/fca-proposals-on-assessing-creditworthiness-briefing/?tmstv=1791661374) - The FCA is consulting on their proposed rules on how consumer credit firms assess creditworthiness in order to clarify their expectations of firms. We prepared this briefing note which outlines the FCA’s proposals. We welcome member feedback on the FCA’s proposals which will help form the Responsible Finance response to the consultation.
- [FCA Senior Managers Regime briefing](https://responsiblefinance.org.uk/download/fca-senior-managers-regime-briefing/?tmstv=1791661374) - The FCA is replacing the Approved Persons Regime (APR) with the Senior Managers and Certification Regime (SM & CR) The SM & CR is being rolled out across all financial firms with the purpose to create a culture of accountability. The FCA is consulting on the SM & CR now until 3 November, and the new regime is expected to be implemented by the end of 2018. We prepared a briefing on the key aspects of the SM & CR for members, and we welcome feedback from members which will help form our response into the FCA consultation.
- [General Data Protection Regulation briefing](https://responsiblefinance.org.uk/download/general-data-protection-regulation-briefing/?tmstv=1791661374) - The GDPR (General Data Protection Regulation) is an EU law replacing the Data Protection Act (DPA) 1998. The GDPR comes into force on 25th May 2018, and firms are required to comply regardless of the fact that the UK is exiting the EU. We prepared a briefing for members on a high level overview of what to expect with GDPR.
- [Key achievements 2016](https://responsiblefinance.org.uk/download/key-achievements-2016/?tmstv=1791661374) - 2016 was an exciting year for Responsible Finance. It was our first year with a new name and new brand. We put all our energy and enthusiasm into promoting the responsible finance industry and supporting our members.
- [Research and Policy Assistant Job Description](https://responsiblefinance.org.uk/download/research-and-policy-assistant-job-description/?tmstv=1791661374) - The full job description and person specification, along with details of how to apply for this position.
- [Raising investment through crowdfunding platforms - briefing note](https://responsiblefinance.org.uk/download/raising-investment-through-crowdfunding-platforms-briefing-note/?tmstv=1791661374) - In March 2017, the FCA informed to peer-to-peer lending and crowdfunding platforms that if a lending business borrows through a platform and then lends that money to others, it may be “accepting deposits” and need regulatory permission to do so. This briefing note outlines how this policy affects responsible finance providers who may be looking to raise investment this way.
- [Money Laundering Regulations 2017 FCA logo](https://responsiblefinance.org.uk/download/money-laundering-regulations-2017-fca-logo/?tmstv=1791661374) - The Government’s Money Laundering Regulations 2017 (MLRs) came in to force on 26 June. The MLRs update the UK AML regime to transpose the EU’s 4th Money Laundering Directive. This FCA briefing provides details on specific areas that it wants to highlight about the MLRs.
- [Member salary data from 2016 Annual Survey](https://responsiblefinance.org.uk/download/member-salary-data-from-2016-annual-survey/?tmstv=1791661374) - This PDF includes statistical insight into the salary structure of our members which can be used for benchmarking.
- [Referral Platforms guide](https://responsiblefinance.org.uk/download/referral-platforms-guide/?tmstv=1791661374)
- [Annual Survey 2017 Guidance Sheet](https://responsiblefinance.org.uk/download/annual-survey-2017-guidance-sheet/?tmstv=1791661374) - A guidance sheet to assist members responding to the 2017 Responsible Finance Annual Survey.
- [Spending Review Submission](https://responsiblefinance.org.uk/download/spending-review-submission/?tmstv=1791661374) - We submitted a representation to HM Treasury for the Comprehensive Spending Review, advocating for the policy tools and support that would enable the responsible finance sector to continue to thrive in the future.
- [Response to consultation on FCA Mission Statement](https://responsiblefinance.org.uk/download/response-to-consultation-on-fca-mission-statement/?tmstv=1791661374) - Responsible Finance has responded to the Financial Conduct Authority's consultation on its future Mission Statement. Read our response here.
- [Response to FCA review of HCST credit](https://responsiblefinance.org.uk/download/response-to-fca-review-of-hcst-credit/?tmstv=1791661374) - Responsible Finance has responded to the Financial Conduct Authority's review of high-cost short-term credit.
- [Industrial Strategy response](https://responsiblefinance.org.uk/download/11215/?tmstv=1791661374) - Responsible Finance has responded to the Department for Business, Energy and Industrial Strategy's consultation on Industrial Strategy.
- [Responsible Finance Autumn Statement representation](https://responsiblefinance.org.uk/download/responsible-finance-autumn-statement-representation/?tmstv=1791661374) - Responsible Finance have submitted their Autumn Statement representation calling on HM Treasury to increase focus on access to finance, recognise the impact of the responsible finance sector, enable the use of Enterprise Finance Guarantee (EFG) on Community Investment Tax Relief (CITR) investment, guarantee EU facilities (such as Easi, Cosme, ERDF funding), and create a responsible finance fund.
- [Annual survey 2017 questions](https://responsiblefinance.org.uk/download/annual-survey-2017-questions/?tmstv=1791661374) - The draft list of questions that will be used for the 2017 annual survey.
- [Invitation to tender: RGF monitoring officer](https://responsiblefinance.org.uk/download/invitation-to-tender-rgf-monitoring-officer/?tmstv=1791661374) - To ensure the RGF recycling monitoring process is robust we will sub-contract an External Monitoring Officer to undertake a portion of monitoring activities. We have issued an Invitation to Tender.
- [Tackling Financial Exclusion Through Local Finance Partnerships](https://responsiblefinance.org.uk/download/tackling-financial-exclusion-through-local-finance-partnerships/?tmstv=1791661374) - This report examines what makes a successful local finance partnership, and how these can be replicated to tackle financial exclusion across the UK. The report draws on experience from the UK and USA.
- [Tackling Financial Exclusion Through Local Finance Partnerships - Summary](https://responsiblefinance.org.uk/download/tackling-financial-exclusion-through-local-finance-partnerships-summary/?tmstv=1791661374) - The executive summary of our research into local finance partnerships and how they can be replicated to tackle financial exclusion in the UK.
- [Responsible Finance Manifesto 2017](https://responsiblefinance.org.uk/download/responsible-finance-manifesto-2017/?tmstv=1791661374)
- [Mayoral Elections 2017: draft letter to mayor](https://responsiblefinance.org.uk/download/11046/?tmstv=1791661374) - Generic draft letter to welcome a new mayor on behalf of the responsible finance industry.
- [Mayoral Elections 2017: sample tweets](https://responsiblefinance.org.uk/download/mayoral-elections-2017-sample-tweets/?tmstv=1791661374) - Sample tweets to coincide with the 2017 local mayoral elections. Ideal for use alongside graphics pack.
- [Mayoral Elections 2017: graphics pack](https://responsiblefinance.org.uk/download/mayoral-elections-2017-graphics-pack/?tmstv=1791661374) - Graphical statistics showing the impact of the responsible finance sector in the regions electing a mayor in the 2017 local elections.
- [Conference programme](https://responsiblefinance.org.uk/download/conference-programme/?tmstv=1791661374) - Download the programme to see the rich variety of discussions and workshops taking place at this year's conference.
- [Training Programme 2017](https://responsiblefinance.org.uk/download/training-programme-2017/?tmstv=1791661374)
- [CITR de minimis state aid calculation](https://responsiblefinance.org.uk/download/citr-de-minimis-state-aid-calculation/?tmstv=1791661374) - Following a restructuring in BEIS, the CITR guidance no longer contained information on calculating de minimis state aid. Following a review of this matter by BEIS and HMRC, they have issued this guidance on how to calculate state aid.
- [FCA-Mission-Consultation.pdf](https://responsiblefinance.org.uk/download/fca-mission-consultation-pdf/?tmstv=1791661374)
- [CIC-Distribution-consumer-credit-debt-Leicester.pdf](https://responsiblefinance.org.uk/download/cic-distribution-consumer-credit-debt-leicester-pdf/?tmstv=1791661374)
- [1 November 2016 CITR Training Session Outline](https://responsiblefinance.org.uk/download/1-november-2016-citr-training-session-outline/?tmstv=1791661374) - Community Investment Tax Relief (CITR) is a helpful tool for responsible finance providers wishing to raise private investment. However, often organisations are not clear about the detailed rules and regulations underpinning the scheme. The aim of this course is to provide a clear overview of how CITR can be used in practice. It will cover a number of areas where there has been confusion in the past and offer responsible finance providers an insight into how Government implements the programme. In particular, it will cover which businesses are eligible to receive loans (which is not solely based on the geography of the business). It will also address the current State Aid rules relating to CITR. The course is a must for anyone considering applying for CITR accreditation as well as a great refresher for accredited responsible finance providers.The course will be led by Seb Aslan and Rob Freeman, of Community Investment Services Ltd
- [Chair of RGF Investment Panel](https://responsiblefinance.org.uk/download/chair-of-rgf-investment-panel/?tmstv=1791661374) - We are seeking an experienced Chair to work closely with the Regional Growth Fund Investment Panel, Responsible Finance's board of directors, Chief Executive and the RGF monitoring officer, to support delivery of the RGF programme in England. Demonstrating a commitment to scale the sector, your role will be to lead the RGF Investment Panel to successfully deliver RGF funds, sit on Responsible Finance's board for the duration of your position as Chair of RGF CIC Investment Panel, acting as a strategic ambassador and resource for Responsible Finance in fund delivery.
- [Chapter 9: Impact Reporting](https://responsiblefinance.org.uk/download/chapter-9-impact-reporting/?tmstv=1791661374)
- [Appendix M2: LCF Complaints Policy Example](https://responsiblefinance.org.uk/download/appendix-m2-lcf-complaints-policy-example/?tmstv=1791661374)
- [Appendix M1: Writing People-Based Case Studies](https://responsiblefinance.org.uk/download/appendix-m1-writing-people-based-case-studies/?tmstv=1791661374)
- [Chapter 8: Marketing](https://responsiblefinance.org.uk/download/chapter-8-marketing/?tmstv=1791661374)
- [Appendix P7: Performance Review Example](https://responsiblefinance.org.uk/download/appendix-p7-performance-review-example/?tmstv=1791661374)
- [Appendix P6: Induction Checklist Template](https://responsiblefinance.org.uk/download/appendix-p6-induction-checklist-template/?tmstv=1791661374)
- [Appendix P5b: Fire Safety and Evacuation Plan Template](https://responsiblefinance.org.uk/download/appendix-p5b-fire-safety-and-evacuation-plan-template/?tmstv=1791661374)
- [Appendix P5a: Fire Risk Assessment Template](https://responsiblefinance.org.uk/download/appendix-p5a-fire-risk-assessment-template/?tmstv=1791661374)
- [Appendix P4b: Health and Safety Checklist Template](https://responsiblefinance.org.uk/download/appendix-p4b-health-and-safety-checklist-template/?tmstv=1791661374)
- [Appendix P4a: Health and Safety Policy Template](https://responsiblefinance.org.uk/download/appendix-p4a-health-and-safety-policy-template/?tmstv=1791661374)
- [Appendix P3: Staff Handbook Example](https://responsiblefinance.org.uk/download/appendix-p3-staff-handbook-example/?tmstv=1791661374)
- [Appendix P2: Staff Contract Template](https://responsiblefinance.org.uk/download/appendix-p2-staff-contract-template/?tmstv=1791661374)
- [Appendix P1: Recruitment and Selection Policy Template](https://responsiblefinance.org.uk/download/appendix-p1-recruitment-and-selection-policy-template/?tmstv=1791661374)
- [Chapter 7: People](https://responsiblefinance.org.uk/download/chapter-7-people/?tmstv=1791661374)
- [Appendix RM2: Dynamic Risk Management Assessment Template](https://responsiblefinance.org.uk/download/appendix-rm2-dynamic-risk-management-assessment-template/?tmstv=1791661374)
- [Appendix RM1: Risk Assessment Framework Template](https://responsiblefinance.org.uk/download/appendix-rm1-risk-assessment-framework-template/?tmstv=1791661374)
- [Chapter 6: Risk Management](https://responsiblefinance.org.uk/download/chapter-6-risk-management/?tmstv=1791661374)
- [Chapter 5: Costing and Pricing](https://responsiblefinance.org.uk/download/chapter-5-costing-and-pricing/?tmstv=1791661374)
- [Appendix FM8: Delinquency Management](https://responsiblefinance.org.uk/download/appendix-fm8-delinquency-management/?tmstv=1791661374)
- [Appendix FM7: Anti Money Laundering Template](https://responsiblefinance.org.uk/download/appendix-fm7-anti-money-laundering-template/?tmstv=1791661374)
- [Appendix FM6.1: Lending Procedure](https://responsiblefinance.org.uk/download/appendix-fm6-1-lending-procedure/?tmstv=1791661374)
- [Appendix FM6: Credit and Lending Policy Template](https://responsiblefinance.org.uk/download/appendix-fm6-credit-and-lending-policy-template/?tmstv=1791661374)
- [Appendix FM5.1: Fraud Response Plan Template](https://responsiblefinance.org.uk/download/appendix-fm5-1-fraud-response-plan-template/?tmstv=1791661374)
- [Appendix FM5: Fraud Policy and Procedures Template](https://responsiblefinance.org.uk/download/appendix-fm5-fraud-policy-and-procedures-template/?tmstv=1791661374)
- [Appendix FM4: Provisioning and Write Off Template](https://responsiblefinance.org.uk/download/appendix-fm4-provisioning-and-write-off-template/?tmstv=1791661374)
- [Appendix FM3: Portfolio at Risk Methodology](https://responsiblefinance.org.uk/download/appendix-fm3-portfolio-at-risk-methodology/?tmstv=1791661374)
- [Appendix FM2: Indicators and Ranges - KPIs](https://responsiblefinance.org.uk/download/appendix-fm2-indicators-and-ranges-kpis/?tmstv=1791661374)
- [Appendix FM1: Code of Practice](https://responsiblefinance.org.uk/download/appendix-fm1-code-of-practice/?tmstv=1791661374)
- [Chapter 4: Financial Management](https://responsiblefinance.org.uk/download/chapter-4-financial-management/?tmstv=1791661374)
- [3.5 - Social Venture Lending](https://responsiblefinance.org.uk/download/3-5-social-venture-lending/?tmstv=1791661374)
- [3.4 - SME Lending](https://responsiblefinance.org.uk/download/3-4-sme-lending/?tmstv=1791661374)
- [3.3 - Microfinance Lending](https://responsiblefinance.org.uk/download/3-3-microfinance-lending/?tmstv=1791661374)
- [3.2 - Home Improvement Lending](https://responsiblefinance.org.uk/download/3-2-home-improvement-lending/?tmstv=1791661374)
- [3.1 - Consumer Lending](https://responsiblefinance.org.uk/download/3-1-consumer-lending/?tmstv=1791661374)
- [Chapter 3: Product Development](https://responsiblefinance.org.uk/download/chapter-3-product-development/?tmstv=1791661374)
- [Appendix S1: Strategic Planning Tools](https://responsiblefinance.org.uk/download/appendix-s1-strategic-planning-tools/?tmstv=1791661374)
- [Chapter 2: Strategy](https://responsiblefinance.org.uk/download/chapter-2-strategy/?tmstv=1791661374)
- [Appendix G6: Composition of Board](https://responsiblefinance.org.uk/download/appendix-g6-composition-of-board/?tmstv=1791661374)
- [Appendix G5: Management of Conflict of Interest Flowchart](https://responsiblefinance.org.uk/download/appendix-g5-management-of-conflict-of-interest-flowchart/?tmstv=1791661374)
- [Appendix G4: Register of Directors Interests - Template](https://responsiblefinance.org.uk/download/appendix-g4-register-of-directors-interests-template/?tmstv=1791661374)
- [Appendix G3: Director Declaration Interest Form - Template](https://responsiblefinance.org.uk/download/appendix-g3-director-declaration-interest-form-template/?tmstv=1791661374)
- [Appendix G2: Companies Act 2006 and Conflict of Interest](https://responsiblefinance.org.uk/download/appendix-g2-companies-act-2006-and-conflict-of-interest/?tmstv=1791661374)
- [Appendix G1: Conflict of Interest Policy - Board Template](https://responsiblefinance.org.uk/download/appendix-g1-conflict-of-interest-policy-board-template/?tmstv=1791661374)
- [Chapter 1: Governance](https://responsiblefinance.org.uk/download/chapter-1-governance/?tmstv=1791661374)
- [Frequently Asked Questions](https://responsiblefinance.org.uk/download/frequently-asked-questions/?tmstv=1791661374) - More information on the origins of the Handbook and how it was created
- [Glossary](https://responsiblefinance.org.uk/download/glossary/?tmstv=1791661374) - A glossary of the terms used throughout the Handbook
- [Index](https://responsiblefinance.org.uk/download/index/?tmstv=1791661374) - A full list of the chapters, templates and appendices included in the Handbook
- [August 2016 CIC Newsletter](https://responsiblefinance.org.uk/download/august-2016-cic-newsletter/?tmstv=1791661374)
- [Community Investment Coalition response to the Competition & Market Authority's retail banking market investigation (9 August 2016)](https://responsiblefinance.org.uk/download/community-investment-coalition-response-to-the-competition-market-authoritys-retail-banking-market-investigation-9-august-2016/?tmstv=1791661374)
- [Community Investment Coalition response to the Competition & Market Authority's retail banking market investigation](https://responsiblefinance.org.uk/download/community-investment-coalition-response-to-the-competition-market-authoritys-retail-banking-market-investigation/?tmstv=1791661374)
- [CMA-retail-banking-press-release.pdf](https://responsiblefinance.org.uk/download/cma-retail-banking-press-release-pdf/?tmstv=1791661374)
- [June 2016 CIC Newsletter](https://responsiblefinance.org.uk/download/june-2016-cic-newsletter/?tmstv=1791661374)
- [Bank-lending-data-briefing-July-16](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-july-16/?tmstv=1791661374)
- [Our Briefing on Disclosure of Data](https://responsiblefinance.org.uk/download/our-briefing-on-disclosure-of-data-2/?tmstv=1791661374)
- [Our Briefing on Disclosure of Data](https://responsiblefinance.org.uk/download/our-briefing-on-disclosure-of-data/?tmstv=1791661374) - Bank lending data briefing Jun 16
- [Bank-lending-data-briefing-Jun-16.](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-jun-16/?tmstv=1791661374)
- [Bank-lending-data-briefing-July-16.pdf](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-july-16-pdf/?tmstv=1791661374)
- [FCA Fees Consultation](https://responsiblefinance.org.uk/download/fca-fees-consultation/?tmstv=1791661374) - Responsible Finance’s response to the Financial Conduct Authority’s annual fees consultation
- [Job-Outline-BDM-Cornwall.pdf](https://responsiblefinance.org.uk/download/job-outline-bdm-cornwall-pdf/?tmstv=1791661374)
- [Job-Description-BDM-Cornwall.pdf](https://responsiblefinance.org.uk/download/job-description-bdm-cornwall-pdf/?tmstv=1791661374)
- [Job-Description-BDM-Cornwall-1.doc](https://responsiblefinance.org.uk/download/job-description-bdm-cornwall-1-doc/?tmstv=1791661374)
- [Job-Outline-BDM-Cornwall.doc](https://responsiblefinance.org.uk/download/job-outline-bdm-cornwall-doc/?tmstv=1791661374)
- [May-16-Newsletter-2.pdf](https://responsiblefinance.org.uk/download/may-16-newsletter-2-pdf/?tmstv=1791661374)
- [May 16 Newsletter](https://responsiblefinance.org.uk/download/may-16-newsletter/?tmstv=1791661374)
- [May 2016 CIC Newsletter](https://responsiblefinance.org.uk/download/may-2016-cic-newsletter/?tmstv=1791661374)
- [Bank-lending-data-briefing-Apr-15.pdf](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-apr-15-pdf/?tmstv=1791661374)
- [Bank-lending-data-briefing-Jul-15.pdf](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-jul-15-pdf/?tmstv=1791661374)
- [Bank-lending-data-briefing-Oct-15.pdf](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-oct-15-pdf/?tmstv=1791661374)
- [Bank-lending-data-briefing_Jan-15.pdf](https://responsiblefinance.org.uk/download/bank-lending-data-briefing_jan-15-pdf/?tmstv=1791661374)
- [Guidance-to-use-lending-data.ppt](https://responsiblefinance.org.uk/download/guidance-to-use-lending-data-ppt/?tmstv=1791661374)
- [Financial exclusion of individuals](https://responsiblefinance.org.uk/download/financial-exclusion-of-individuals/?tmstv=1791661374)
- [Predatory Finance](https://responsiblefinance.org.uk/download/predatory-finance/?tmstv=1791661374)
- [CIC Fair and affordable Finance](https://responsiblefinance.org.uk/download/cic-fair-and-affordable-finance/?tmstv=1791661374)
- [CIC Summary-4-Policy-influencing-communities-access-to-resources-14-Update.pdf](https://responsiblefinance.org.uk/download/cic-summary-4-policy-influencing-communities-access-to-resources-14-update-pdf/?tmstv=1791661374)
- [CIC-Summary-5-Impact-of-unfair-access-to-finance-on-SMEs-14-Update.pdf](https://responsiblefinance.org.uk/download/cic-summary-5-impact-of-unfair-access-to-finance-on-smes-14-update-pdf/?tmstv=1791661374)
- [CIC-Summary-6-Impact-of-lack-of-access-to-finance-on-the-VCS-14-Update.pdf](https://responsiblefinance.org.uk/download/cic-summary-6-impact-of-lack-of-access-to-finance-on-the-vcs-14-update-pdf/?tmstv=1791661374)
- [Bank-lending-data-briefing-Jan-16.pdf](https://responsiblefinance.org.uk/download/bank-lending-data-briefing-jan-16-pdf/?tmstv=1791661374)
- [Responsible-Finance-Internship-Programme-Application-Form.docx](https://responsiblefinance.org.uk/download/responsible-finance-internship-programme-application-form-docx/?tmstv=1791661374)
- [Responsible-finance-providers-Internship-Programme-Job-Advert.docx](https://responsiblefinance.org.uk/download/responsible-finance-providers-internship-programme-job-advert-docx/?tmstv=1791661374)
- [Letter to HM Treasury](https://responsiblefinance.org.uk/download/letter-to-hm-treasury/?tmstv=1791661374) - Responsible finance has written to the Chancellor requesting his support for the responsible finance sector
- [Responsible Finance Provider logo (CMYK)](https://responsiblefinance.org.uk/download/responsible-finance-provider-logo-for-digital-use-cmyk/?tmstv=1791661374) - A logo for your use, in jpg format for printing
- [Responsible Finance Provider logo (RGB)](https://responsiblefinance.org.uk/download/responsible-finance-provider-logo-for-digital-use-rgb/?tmstv=1791661374) - A logo for your use, in jpg format for digital purposes
- [Responsible Finance logo - dark green background](https://responsiblefinance.org.uk/download/responsible-finance-logo-dark-green-background/?tmstv=1791661374) - An alternative logo in jpg format for digital use
- [Responsible Finance logo - light green background](https://responsiblefinance.org.uk/download/responsible-finance-logo-light-green-background/?tmstv=1791661374) - An alternative logo in jpg format for digital use
- [Responsible Finance logo - white background](https://responsiblefinance.org.uk/download/responsible-finance-logo-white-background/?tmstv=1791661374) - Our main logo, in jpg format for digital use
- [Brand Guidelines](https://responsiblefinance.org.uk/download/brand-guidelines/?tmstv=1791661374) - Guidelines on how to use our new brand, including information on logos, colours and fonts
- [What is Responsible Finance?](https://responsiblefinance.org.uk/download/what-is-responsible-finance/?tmstv=1791661374) - A simple definition of what unites our members as responsible finance providers
- [Brand Narrative](https://responsiblefinance.org.uk/download/brand-narrative/?tmstv=1791661374) - How to describe Responsible Finance and a responsible finance provider in a sentence and paragraph. Also includes the new mission, vision and values of Responsible Finance.
- [Just Finance](https://responsiblefinance.org.uk/download/just-finance-3/?tmstv=1791661374)
- [Inside Community Finance 2014: The CDFI Industry in the UK](https://responsiblefinance.org.uk/download/inside-community-finance-2014-the-cdfi-industry-in-the-uk/?tmstv=1791661374)
- [SME Finance Referral](https://responsiblefinance.org.uk/download/sme-finance-referral/?tmstv=1791661374) - We responded to the Department for Business, Innovation and Skills and HM Treasury’s consultation on matching SMEs rejected for finance with alternative lenders
- [Application Form - Microentrepreneurs](https://responsiblefinance.org.uk/download/application-form-microentrepreneurs/?tmstv=1791661374) - Nominate an enterprise you have supported for one of the four Microentrepreneur awards
- [Application Form - Responsible Finance Providers](https://responsiblefinance.org.uk/download/application-form-responsible-finance-providers/?tmstv=1791661374) - Apply for a responsible finance provider award and nominate a member of your team for the Leader and Loan Officer awards
- [FCA consultation on consumer credit rules and guidance](https://responsiblefinance.org.uk/download/fca-consultation-on-consumer-credit-rules-and-guidance/?tmstv=1791661374) - We submitted a response to the Financial Conduct Authority’s consultation on its proposed changes to the consumer credit rules and guidance. Proposed changes included further guidance on third party guarantors, financial promotions, and use of CPAs.
- [British credit unions at 50](https://responsiblefinance.org.uk/download/british-credit-unions-at-50/?tmstv=1791661374) - We responded to the Government’s Call for evidence: British credit unions at 50. We called for a more inclusive consideration of the wider community finance system.
- [FCA Proposals for a price cap on high-cost short-term credit](https://responsiblefinance.org.uk/download/fca-proposals-for-a-price-cap-on-high-cost-short-term-credit/?tmstv=1791661374) - We responded to the Financial Conduct Authority’s consultation on Proposals for a price cap on high-cost short-term credit (CP 14/10)
- [FCA consultation on fees for 2014/15](https://responsiblefinance.org.uk/download/fca-consultation-on-fees-for-201415/?tmstv=1791661374) - We responded to the Financial Conduct Authority’s consultation on fees for 2014/15
- [Treasury Select Committee SME lending inquiry](https://responsiblefinance.org.uk/download/treasury-select-committee-sme-lending-inquiry/?tmstv=1791661374) - We submitted a response to the Treasury Select Committee SME lending inquiry
- [Social Investment Tax Relief](https://responsiblefinance.org.uk/download/social-investment-tax-relief/?tmstv=1791661374) - We responded to the Government’s consultation on the Social Investment Tax Relief
- [Finance Domain Worksheets](https://responsiblefinance.org.uk/download/finance-domain-worksheets/?tmstv=1791661374)
- [Equal Opportunities Form](https://responsiblefinance.org.uk/download/equal-opportunities-form/?tmstv=1791661374)
- [Chair Recruitment Pack](https://responsiblefinance.org.uk/download/chair-recruitment-pack/?tmstv=1791661374)
- [Social Value: Framework Tools for Community Finance](https://responsiblefinance.org.uk/download/social-value-framework-tools-for-community-finance/?tmstv=1791661374) - This easy to use tool enables you to create your own stakeholder map and social value framework
- [An Economic Impact Calculator](https://responsiblefinance.org.uk/download/an-economic-impact-calculator/?tmstv=1791661374) - This easy-to-use tool allows you to quickly quantify the value of your impacts. The calculator defines the value of a small set of core outcomes based on existing evidence and using data already collected by most members.
- [Social Value: A reporting framework for community finance](https://responsiblefinance.org.uk/download/social-value-a-reporting-framework-for-community-finance/?tmstv=1791661374) - This brand new tool enables our members to comprehensively, consistently and clearly report on the values of their social impacts and outcomes. By mapping the value of responsible finance to all our stakeholders, we aim to build a strong compelling case for future investment and support.

## Associates

- [Tim Rooney](https://responsiblefinance.org.uk/associate/tim-rooney/) - Tim is an experienced executive leader with a strong track record in responsible finance, technology enabled lending, and social impact. For seven years he served as CEO of Salad Finance, an FCA regulated social enterprise providing fair, affordable credit to NHS and public sector workers. Under Tim’s leadership, Salad grew to become the UK’s largest
- [Patricia Keiko Hamzahee OBE FRSA](https://responsiblefinance.org.uk/associate/patricia-keiko-hamzahee-obe-frsa/) - After some 20 years in investment banking and financial communications, Patricia works with social enterprises to attract private capital and advises private capital providers on their responsible investment strategies. With access to capital, connections and contracts elusive for many Black and minority ethnic communities, Patricia brings her proven experience to make a material difference to
- [Chris Sood-Nicholls](https://responsiblefinance.org.uk/associate/chris-sood-nicholls/) - Chris Sood-Nicholls, Managing Director, Head of Regional Development & Social Impact Investment, Lloyds Bank Commercial Banking Chris has over 20 years’ experience in banking and financial services and has worked in client facing roles in the UK, Europe and Asia. His focus has been predominantly commercial banking and corporate finance, and as an industry sector
- [Stephen Deakin](https://responsiblefinance.org.uk/associate/stephen-deakin/) - Stephen Deakin is chief executive at West Midlands based BCRS Business Loans, which is dedicated to supporting viable businesses that are unable to access finance from traditional lenders. With an extensive background in accountancy, Stephen has been working in the Responsible Finance sector for the past seven years. During his time at BCRS, as well
- [Matt Smith](https://responsiblefinance.org.uk/associate/matt-smith/) - A respected figure in the social investment sector, Matt joined Key Fund in 2002 becoming CEO in 2015. His own experience of growing up in disadvantaged communities fuels a bullet-proof belief in equity of opportunity for all. Matt has been instrumental in the development of funding models now at the forefront of the social investment
- [Rebecca Pritchard](https://responsiblefinance.org.uk/associate/rebecca-pritchard/) - Rebecca is the former UK Head of Business Banking at Triodos, Europe's leading sustainable bank, from 2013 to 2020, where she led the team responsible for business banking activities with SMEs, social enterprises and charities, with particular focus on the environmental, food and farming, and social and cultural sectors. As member of the core management
- [Peter Udale](https://responsiblefinance.org.uk/associate/peter-udale/) - Peter Udale is an entrepreneur with a background in finance, business planning and risk management. Peter established his own investment and advisory business in 1994 providing both start-up and development services to a range of international companies. Peter has a long-standing interest in the responsible finance sector and start-ups in general. He was a member

## Lending Stats

- [2026 annual figures](https://responsiblefinance.org.uk/lending-stat/2026-annual-figures/) - Explore annual lending statistics from UK community development finance institutions (CDFIs), including lending volumes, customer reach and sector impact.
- [2025 annual figures](https://responsiblefinance.org.uk/lending-stat/2025-annual-figures/) - Explore annual lending statistics from UK community development finance institutions (CDFIs), including lending volumes, customer reach and sector impact.
- [2022 annual figures](https://responsiblefinance.org.uk/lending-stat/2022-annual-figures/)
- [2021 annual figures](https://responsiblefinance.org.uk/lending-stat/2021-annual-figures/)
- [2021 annual figures - enterprise](https://responsiblefinance.org.uk/lending-stat/2021-annual-figures-enterprise/)
- [2021 annual figures - personal](https://responsiblefinance.org.uk/lending-stat/2021-annual-figures-personal/)
- [2019 annual figures](https://responsiblefinance.org.uk/lending-stat/2019-annual-figures/)
- [2020 annual figures](https://responsiblefinance.org.uk/lending-stat/2020-annual-figures/)
- [2018 annual figures](https://responsiblefinance.org.uk/lending-stat/2018-annual-figures/)
- [2017 annual figures](https://responsiblefinance.org.uk/lending-stat/2017-annual-figures/)
- [2013 annual figures](https://responsiblefinance.org.uk/lending-stat/2013-annual-figures/)
- [overall lending 2014](https://responsiblefinance.org.uk/lending-stat/overall-lending-2014/)
- [Annual figures 2015](https://responsiblefinance.org.uk/lending-stat/annual-figures-2015/)
- [2016 annual figures](https://responsiblefinance.org.uk/lending-stat/2016-annual-figures/)

## Impacts

- [Total lending by CDFIs increased by 21% to £389.9m in 2025, reaching 148,397 customers: people, small businesses and social enterprises](https://responsiblefinance.org.uk/impact/total-lending-by-cdfis-increased-by-21-to-389-9m-in-2025-reaching-148397-customers-people-small-businesses-and-social-enterprises/)
- [Responsible Finance providers empower the entrepreneurs, families and neighbourhoods that make up the economy](https://responsiblefinance.org.uk/impact/responsible-finance-providers-empower-the-entrepreneurs-families-and-neighbourhoods-that-make-up-the-economy/)
- [Responsible lending drives growth and productivity while building a happier, wealthier society](https://responsiblefinance.org.uk/impact/responsible-lending-drives-growth-and-productivity-while-building-a-happier-wealthier-society/)
- [Lower income households](https://responsiblefinance.org.uk/impact/lower-income-households/)
- [In 2025, CDFIs and social banks lent £74.1m to 363 social enterprises and charities](https://responsiblefinance.org.uk/impact/in-2025-cdfis-and-social-banks-lent-74-1m-to-363-social-enterprises-and-charities/)
- [Previously declined in 2025](https://responsiblefinance.org.uk/impact/previously-declined-in-2025/)
- [Personal-lending CDFIs helped people save up to £52m](https://responsiblefinance.org.uk/impact/personal-lending-cdfis-helped-people-save-up-to-52m/)
- [CDFIs create opportunity: investments in disadvantaged communities](https://responsiblefinance.org.uk/impact/cdfis-create-opportunity-investments-in-disadvantaged-communities/)
- [In 2025, CDFIs lent £389.9m](https://responsiblefinance.org.uk/impact/in-2025-cdfis-lent-389-9m/)
- [Total lending increased by 14% in 2023](https://responsiblefinance.org.uk/impact/total-lending-increased-by-14-in-2023/)
- [Business and startup lending 2023](https://responsiblefinance.org.uk/impact/business-and-startup-lending-2023/)
- [Business support 2023](https://responsiblefinance.org.uk/impact/business-support-2023/)
- [Risen by 14% in 2023](https://responsiblefinance.org.uk/impact/risen-by-14/)
- [Social enterprise lending 2023](https://responsiblefinance.org.uk/impact/social-enterprise-lending-2023/)
- [Personal average saving](https://responsiblefinance.org.uk/impact/personal-340-average-saving/)
- [£29m poverty premium 2023](https://responsiblefinance.org.uk/impact/29m-poverty-premium-2023/)
- [12,135 jobs](https://responsiblefinance.org.uk/impact/12135-jobs/)
- [4,138 businesses created or safeguarded](https://responsiblefinance.org.uk/impact/4138-businesses-created-or-safeguarded/)
- [Broderick: investing in CDFIs](https://responsiblefinance.org.uk/impact/broderick-investing-in-cdfis/)
- [We turn a no into a yes](https://responsiblefinance.org.uk/impact/we-turn-a-no-into-a-yes/)
- [12640 jobs](https://responsiblefinance.org.uk/impact/12640-jobs/)
- [£34m and 67,000 customers](https://responsiblefinance.org.uk/impact/34m-and-67000-customers/)
- [£30m interest repayments saving](https://responsiblefinance.org.uk/impact/30m-interest-repayments-saving/)
- [9 out of 10 declined 2022](https://responsiblefinance.org.uk/impact/9-out-of-10-declined-2022/)
- [2021 total](https://responsiblefinance.org.uk/impact/2021-total/)
- [5887 business and social enterprises](https://responsiblefinance.org.uk/impact/5887-business-and-social-enterprises/)
- [2021 personal financial lives and £207 saving](https://responsiblefinance.org.uk/impact/2021-personal-financial-lives-and-207-saving/)
- [2021 personal interest saved](https://responsiblefinance.org.uk/impact/2021-personal-interest-saved/)
- [2019 high interest](https://responsiblefinance.org.uk/impact/2019-high-interest/)
- [2019 social enterprise lending](https://responsiblefinance.org.uk/impact/2019-social-enterprise-lending/)
- [2019 personal lending](https://responsiblefinance.org.uk/impact/2019-personal-lending/)
- [2019 total jobs](https://responsiblefinance.org.uk/impact/2019-total-jobs/)
- [2019 business lending](https://responsiblefinance.org.uk/impact/2019-business-lending/)
- [2019 total lending](https://responsiblefinance.org.uk/impact/2019-total-lending/)
- [2018 total lending](https://responsiblefinance.org.uk/impact/2018-total-lending/)
- [2018 personal lending](https://responsiblefinance.org.uk/impact/2018-personal-lending/)
- [2017 social enterprise jobs](https://responsiblefinance.org.uk/impact/2017-social-enterprise-jobs/)
- [2018 total jobs](https://responsiblefinance.org.uk/impact/2018-total-jobs/)
- [2018 high interest](https://responsiblefinance.org.uk/impact/2018-high-interest/)
- [2018 business lending](https://responsiblefinance.org.uk/impact/2018-business-lending/)
- [2017 34% increase](https://responsiblefinance.org.uk/impact/2017-34-increase/)
- [2017 personal savings](https://responsiblefinance.org.uk/impact/2017-personal-savings/)
- [2017 total jobs](https://responsiblefinance.org.uk/impact/2017-total-jobs/)
- [2017 total lending](https://responsiblefinance.org.uk/impact/2017-total-lending/)
- [2018 social enterprise lending](https://responsiblefinance.org.uk/impact/2018-social-enterprise-lending/)
- [2018 business bank declines](https://responsiblefinance.org.uk/impact/2018-business-bank-declines/)
- [“Policymakers like working with trade bodies like Responsible Finance because we can find out about frontline issues directly, without having to go through multiple contacts.”](https://responsiblefinance.org.uk/impact/policymakers-like-working-with-trade-bodies-like-responsible-finance-because-we-can-find-out-about-frontline-issues-directly-without-having-to-go-through-multiple-contacts/)
- [2017 business bank declines](https://responsiblefinance.org.uk/impact/2017-business-bank-declines/)
- [2017 business economic impact](https://responsiblefinance.org.uk/impact/2017-business-economic-impact/)
- [2017 personal lending](https://responsiblefinance.org.uk/impact/2017-personal-lending/)
- [2017 social enterprise lending](https://responsiblefinance.org.uk/impact/2017-social-enterprise-lending/)
- [2017 business jobs](https://responsiblefinance.org.uk/impact/2017-business-jobs/)
- [2017 new businesses](https://responsiblefinance.org.uk/impact/2017-new-businesses/)
- [2017 business lending](https://responsiblefinance.org.uk/impact/2017-business-lending/)
- [2017 total lending](https://responsiblefinance.org.uk/impact/2016-total-lending-2/)
- [decade total jobs](https://responsiblefinance.org.uk/impact/decade-total-jobs/)
- [2016 total jobs](https://responsiblefinance.org.uk/impact/2016-total-jobs/)
- [2016 savings](https://responsiblefinance.org.uk/impact/2016-savings/)
- [2016 personal lending](https://responsiblefinance.org.uk/impact/2016-personal-lending/)
- [2016 social enterprises](https://responsiblefinance.org.uk/impact/2016-social-enterprises/)
- [2016 business jobs](https://responsiblefinance.org.uk/impact/2016-business-jobs/)
- [2016 new businesses](https://responsiblefinance.org.uk/impact/2016-new-businesses/)
- [2016 total lending](https://responsiblefinance.org.uk/impact/2016-total-lending/)
- [£1 generates £7](https://responsiblefinance.org.uk/impact/1-generates-7/)
- [Turning business dreams into reality](https://responsiblefinance.org.uk/impact/turning-business-dreams-into-reality/)
- [Trusted personal](https://responsiblefinance.org.uk/impact/trusted-personal/)
- [building stronger economies](https://responsiblefinance.org.uk/impact/building-stronger-economies/)

## Categories

- [Press and Media](https://responsiblefinance.org.uk/category/press/)
- [News](https://responsiblefinance.org.uk/category/news/)
- [Case Studies](https://responsiblefinance.org.uk/category/case-studies/)
- [Opinion](https://responsiblefinance.org.uk/category/opinion/)
- [Podcast](https://responsiblefinance.org.uk/category/podcast/)

## Tags

- [Business finance](https://responsiblefinance.org.uk/tag/business-finance/)
- [CDFIs](https://responsiblefinance.org.uk/tag/cdfis/)
- [Finance For Enterprise](https://responsiblefinance.org.uk/tag/finance-for-enterprise/)
- [Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/tag/citi-microentrepreneurship-awards/)
- [personal finance](https://responsiblefinance.org.uk/tag/personal-finance/)
- [payday lenders](https://responsiblefinance.org.uk/tag/payday-lenders/)
- [Policy](https://responsiblefinance.org.uk/tag/policy/)
- [Social investment](https://responsiblefinance.org.uk/tag/social-investment/)
- [cdfa](https://responsiblefinance.org.uk/tag/cdfa/)
- [bank referral](https://responsiblefinance.org.uk/tag/bank-referral/)
- [media coverage](https://responsiblefinance.org.uk/tag/media-coverage/)
- [social enterprise](https://responsiblefinance.org.uk/tag/social-enterprise/)
- [research](https://responsiblefinance.org.uk/tag/research/)
- [startup finance](https://responsiblefinance.org.uk/tag/startup-finance/)
- [RGF](https://responsiblefinance.org.uk/tag/rgf/)
- [business support](https://responsiblefinance.org.uk/tag/business-support/)
- [High interest lenders](https://responsiblefinance.org.uk/tag/high-interest-lenders/)
- [Payday loans](https://responsiblefinance.org.uk/tag/payday-loans/)
- [Europe](https://responsiblefinance.org.uk/tag/europe/)
- [home improvement](https://responsiblefinance.org.uk/tag/home-improvement/)
- [Innovation Awards](https://responsiblefinance.org.uk/tag/innovation-awards/)
- [case studies](https://responsiblefinance.org.uk/tag/case-studies/)
- [campaigns](https://responsiblefinance.org.uk/tag/campaigns/)
- [films](https://responsiblefinance.org.uk/tag/films/)
- [Bank disclosure](https://responsiblefinance.org.uk/tag/bank-disclosure/)
- [Bank lending figures](https://responsiblefinance.org.uk/tag/bank-lending-figures/)
- [Young people](https://responsiblefinance.org.uk/tag/young-people/)
- [community reinvestment](https://responsiblefinance.org.uk/tag/community-reinvestment/)
- [Community finance figures](https://responsiblefinance.org.uk/tag/community-finance-figures/)
- [Community shares](https://responsiblefinance.org.uk/tag/community-shares/)
- [Annual Conference 2012](https://responsiblefinance.org.uk/tag/conf2012/)
- [Guest blog](https://responsiblefinance.org.uk/tag/guest-blog/)
- [entrepreneurship](https://responsiblefinance.org.uk/tag/entrepreneurship/)
- [events](https://responsiblefinance.org.uk/tag/events-2/)
- [Wales](https://responsiblefinance.org.uk/tag/wales/)
- [community finance](https://responsiblefinance.org.uk/tag/community-finance/)
- [Enterprise Finance Guarantee](https://responsiblefinance.org.uk/tag/enterprise-finance-guarantee/)
- [Funding for Lending](https://responsiblefinance.org.uk/tag/funding-for-lending/)
- [charities](https://responsiblefinance.org.uk/tag/charities/)
- [community banks](https://responsiblefinance.org.uk/tag/community-banks/)
- [local banks](https://responsiblefinance.org.uk/tag/local-banks/)
- [business bank](https://responsiblefinance.org.uk/tag/business-bank/)
- [business lending](https://responsiblefinance.org.uk/tag/business-lending/)
- [social enterprises](https://responsiblefinance.org.uk/tag/social-enterprises/)
- [alternative finance](https://responsiblefinance.org.uk/tag/alternative-finance/)
- [Inside community finance](https://responsiblefinance.org.uk/tag/inside-community-finance/)
- [jobs](https://responsiblefinance.org.uk/tag/jobs/)
- [alternative banking](https://responsiblefinance.org.uk/tag/alternative-banking/)
- [social enterprise finance](https://responsiblefinance.org.uk/tag/social-enterprise-finance/)
- [CDFI](https://responsiblefinance.org.uk/tag/cdfi/)
- [My Home Finance](https://responsiblefinance.org.uk/tag/my-home-finance/)
- [Responsible lending](https://responsiblefinance.org.uk/tag/responsible-lending/)
- [high streets](https://responsiblefinance.org.uk/tag/high-streets/)
- [Ethex](https://responsiblefinance.org.uk/tag/ethex/)
- [Positive investment](https://responsiblefinance.org.uk/tag/positive-investment/)
- [banking](https://responsiblefinance.org.uk/tag/banking/)
- [community economics](https://responsiblefinance.org.uk/tag/community-economics/)
- [community finance partnerships](https://responsiblefinance.org.uk/tag/community-finance-partnerships/)
- [local economy](https://responsiblefinance.org.uk/tag/local-economy/)
- [charity commission](https://responsiblefinance.org.uk/tag/charity-commission/)
- [charity investment](https://responsiblefinance.org.uk/tag/charity-investment/)
- [regional growth fund](https://responsiblefinance.org.uk/tag/regional-growth-fund/)
- [SME finance](https://responsiblefinance.org.uk/tag/sme-finance/)
- [start-up loans](https://responsiblefinance.org.uk/tag/start-up-loans/)
- [access to finance](https://responsiblefinance.org.uk/tag/access-to-finance/)
- [economic impact of social investment](https://responsiblefinance.org.uk/tag/economic-impact-of-social-investment/)
- [social ventures](https://responsiblefinance.org.uk/tag/social-ventures/)
- [business dream](https://responsiblefinance.org.uk/tag/business-dream/)
- [bank lending](https://responsiblefinance.org.uk/tag/bank-lending/)
- [Church](https://responsiblefinance.org.uk/tag/church/)
- [Archbishop of Canterbury](https://responsiblefinance.org.uk/tag/archbishop-of-canterbury/)
- [Church of England](https://responsiblefinance.org.uk/tag/church-of-england/)
- [Wonga](https://responsiblefinance.org.uk/tag/wonga/)
- [credit unions](https://responsiblefinance.org.uk/tag/credit-unions/)
- [financial exclusion](https://responsiblefinance.org.uk/tag/financial-exclusion/)
- [Community investment coalition](https://responsiblefinance.org.uk/tag/community-investment-coalition/)
- [fair finance](https://responsiblefinance.org.uk/tag/fair-finance/)
- [general election 2015](https://responsiblefinance.org.uk/tag/general-election-2015/)
- [social economy alliance](https://responsiblefinance.org.uk/tag/social-economy-alliance/)
- [social finance](https://responsiblefinance.org.uk/tag/social-finance/)
- [banks](https://responsiblefinance.org.uk/tag/banks/)
- [impact](https://responsiblefinance.org.uk/tag/impact/)
- [FCA](https://responsiblefinance.org.uk/tag/fca/)
- [regulation](https://responsiblefinance.org.uk/tag/regulation/)
- [Autumn statement](https://responsiblefinance.org.uk/tag/autumn-statement/)
- [George Osborne](https://responsiblefinance.org.uk/tag/george-osborne/)
- [Growth](https://responsiblefinance.org.uk/tag/growth/)
- [market failure](https://responsiblefinance.org.uk/tag/market-failure/)
- [Citi](https://responsiblefinance.org.uk/tag/citi/)
- [Budget](https://responsiblefinance.org.uk/tag/budget/)
- [Social Investment Tax Relief](https://responsiblefinance.org.uk/tag/social-investment-tax-relief/)
- [job creation](https://responsiblefinance.org.uk/tag/job-creation/)
- [local economies](https://responsiblefinance.org.uk/tag/local-economies/)
- [access to capital](https://responsiblefinance.org.uk/tag/access-to-capital/)
- [infrastructure](https://responsiblefinance.org.uk/tag/infrastructure/)
- [ratings](https://responsiblefinance.org.uk/tag/ratings/)
- [US](https://responsiblefinance.org.uk/tag/us/)
- [investment readiness](https://responsiblefinance.org.uk/tag/investment-readiness/)
- [Just finance](https://responsiblefinance.org.uk/tag/just-finance/)
- [Bristol](https://responsiblefinance.org.uk/tag/bristol/)
- [housing associations](https://responsiblefinance.org.uk/tag/housing-associations/)
- [ethical finance](https://responsiblefinance.org.uk/tag/ethical-finance/)
- [Partnerships](https://responsiblefinance.org.uk/tag/partnerships/)
- [Scotland](https://responsiblefinance.org.uk/tag/scotland/)
- [SMEs](https://responsiblefinance.org.uk/tag/smes/)
- [awards](https://responsiblefinance.org.uk/tag/awards/)
- [Entrepreneurs](https://responsiblefinance.org.uk/tag/entrepreneurs/)
- [British Business Bank](https://responsiblefinance.org.uk/tag/british-business-bank/)
- [funding](https://responsiblefinance.org.uk/tag/funding/)
- [Five Lamps](https://responsiblefinance.org.uk/tag/five-lamps/)
- [financial health](https://responsiblefinance.org.uk/tag/financial-health/)
- [financial inclusion](https://responsiblefinance.org.uk/tag/financial-inclusion/)
- [election](https://responsiblefinance.org.uk/tag/election/)
- [social impact](https://responsiblefinance.org.uk/tag/social-impact/)
- [social value framework](https://responsiblefinance.org.uk/tag/social-value-framework/)
- [Community economic development](https://responsiblefinance.org.uk/tag/community-economic-development/)
- [Business loans](https://responsiblefinance.org.uk/tag/business-loans/)
- [high cost credit](https://responsiblefinance.org.uk/tag/high-cost-credit/)
- [loan sharks](https://responsiblefinance.org.uk/tag/loan-sharks/)
- [debt](https://responsiblefinance.org.uk/tag/debt/)
- [Lancashire finance](https://responsiblefinance.org.uk/tag/lancashire-finance/)
- [personal loans](https://responsiblefinance.org.uk/tag/personal-loans/)
- [Scotcash](https://responsiblefinance.org.uk/tag/scotcash/)
- [Microenterprise](https://responsiblefinance.org.uk/tag/microenterprise/)
- [BCRS](https://responsiblefinance.org.uk/tag/bcrs/)
- [ethical lending](https://responsiblefinance.org.uk/tag/ethical-lending/)
- [responsible finance](https://responsiblefinance.org.uk/tag/responsible-finance/)
- [fintech](https://responsiblefinance.org.uk/tag/fintech/)
- [EU Referendum](https://responsiblefinance.org.uk/tag/eu-referendum/)
- [ART Business Loans](https://responsiblefinance.org.uk/tag/art-business-loans/)
- [CITR](https://responsiblefinance.org.uk/tag/citr/)
- [Annual conference](https://responsiblefinance.org.uk/tag/annual-conference/)
- [personal lending](https://responsiblefinance.org.uk/tag/personal-lending/)
- [data disclosure](https://responsiblefinance.org.uk/tag/data-disclosure/)
- [Queen's speech](https://responsiblefinance.org.uk/tag/queens-speech/)
- [tax relief](https://responsiblefinance.org.uk/tag/tax-relief/)
- [European Microfinance Day](https://responsiblefinance.org.uk/tag/european-microfinance-day/)
- [Loan officer](https://responsiblefinance.org.uk/tag/loan-officer/)
- [affordable credit](https://responsiblefinance.org.uk/tag/affordable-credit/)
- [breathing space](https://responsiblefinance.org.uk/tag/breathing-space/)
- [End High Cost Credit Alliance](https://responsiblefinance.org.uk/tag/end-high-cost-credit-alliance/)
- [inclusive credit scoring](https://responsiblefinance.org.uk/tag/inclusive-credit-scoring/)
- [consumer credit](https://responsiblefinance.org.uk/tag/consumer-credit/)
- [credit reference agencies](https://responsiblefinance.org.uk/tag/credit-reference-agencies/)
- [ATMs](https://responsiblefinance.org.uk/tag/atms/)
- [Cash](https://responsiblefinance.org.uk/tag/cash/)
- [podcast](https://responsiblefinance.org.uk/tag/podcast/)
- [Michael Sheen](https://responsiblefinance.org.uk/tag/michael-sheen/)
- [Harry Specters](https://responsiblefinance.org.uk/tag/harry-specters/)
- [Microfinance Centre](https://responsiblefinance.org.uk/tag/microfinance-centre/)
- [marketing](https://responsiblefinance.org.uk/tag/marketing/)
- [United Nations Sustainable Development Goals](https://responsiblefinance.org.uk/tag/united-nations-sustainable-development-goals/)
- [UNSDGs](https://responsiblefinance.org.uk/tag/unsdgs/)
- [Nesta](https://responsiblefinance.org.uk/tag/nesta/)
- [recycling](https://responsiblefinance.org.uk/tag/recycling/)
- [CBILS](https://responsiblefinance.org.uk/tag/cbils/)
- [impact investing](https://responsiblefinance.org.uk/tag/impact-investing/)
- [community development finance](https://responsiblefinance.org.uk/tag/community-development-finance/)
- [Levelling-up](https://responsiblefinance.org.uk/tag/levelling-up/)
- [SME](https://responsiblefinance.org.uk/tag/sme/)
- [business](https://responsiblefinance.org.uk/tag/business/)

## Event Categories

- [Annual Conference](https://responsiblefinance.org.uk/events/categories/annual-conference/)
- [Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/events/categories/annual-awards/)
- [Responsible Finance Conference and Awards 2017](https://responsiblefinance.org.uk/events/categories/responsible-finance-conference-and-awards-2017/)
- [CPD Workshops](https://responsiblefinance.org.uk/events/categories/cpd-workshops/)
- [Responsible Finance 2019](https://responsiblefinance.org.uk/events/categories/responsible-finance-2019/)

## Download Categories

- [Publications](https://responsiblefinance.org.uk/?dlm_download_category=publications)
- [Consultations](https://responsiblefinance.org.uk/?dlm_download_category=consultations)
- [Handbook](https://responsiblefinance.org.uk/?dlm_download_category=handbook)
- [FCA Resources](https://responsiblefinance.org.uk/?dlm_download_category=fca-resources)
- [Brand materials](https://responsiblefinance.org.uk/?dlm_download_category=brandmaterials)
- [Community Investment Coalition](https://responsiblefinance.org.uk/?dlm_download_category=community-investment-coalition)
- [Member resources](https://responsiblefinance.org.uk/?dlm_download_category=member-resources)
- [Tenders](https://responsiblefinance.org.uk/?dlm_download_category=tenders)

## Download Tags

- [FCA](https://responsiblefinance.org.uk/?dlm_download_tag=fca)
- [consumer credit](https://responsiblefinance.org.uk/?dlm_download_tag=consumer-credit)
- [social impact](https://responsiblefinance.org.uk/?dlm_download_tag=social-impact)
- [social value](https://responsiblefinance.org.uk/?dlm_download_tag=social-value)
- [impact](https://responsiblefinance.org.uk/?dlm_download_tag=impact)
- [economic value](https://responsiblefinance.org.uk/?dlm_download_tag=economic-value)
- [Access to finance](https://responsiblefinance.org.uk/?dlm_download_tag=access-to-finance)
- [demand](https://responsiblefinance.org.uk/?dlm_download_tag=demand)
- [Templates](https://responsiblefinance.org.uk/?dlm_download_tag=templates)
- [Annual Conference](https://responsiblefinance.org.uk/?dlm_download_tag=annual-conference)
- [CPD](https://responsiblefinance.org.uk/?dlm_download_tag=cpd)
- [training](https://responsiblefinance.org.uk/?dlm_download_tag=training)
- [Annual conference 2017](https://responsiblefinance.org.uk/?dlm_download_tag=annual-conference-2017)
- [financial exclusion](https://responsiblefinance.org.uk/?dlm_download_tag=financial-exclusion)
- [Annual survey](https://responsiblefinance.org.uk/?dlm_download_tag=annual-survey)
- [RGF](https://responsiblefinance.org.uk/?dlm_download_tag=rgf)
- [jobs](https://responsiblefinance.org.uk/?dlm_download_tag=jobs)
- [Data Protection](https://responsiblefinance.org.uk/?dlm_download_tag=data-protection)
- [Creditworthiness](https://responsiblefinance.org.uk/?dlm_download_tag=creditworthiness)
- [Citi Microentrepreneurship Awards](https://responsiblefinance.org.uk/?dlm_download_tag=citi-microentrepreneurship-awards)
- [microfinance](https://responsiblefinance.org.uk/?dlm_download_tag=microfinance)
- [European Microfinance Network](https://responsiblefinance.org.uk/?dlm_download_tag=european-microfinance-network)
- [Start-ups](https://responsiblefinance.org.uk/?dlm_download_tag=start-ups)
- [Affordable credit](https://responsiblefinance.org.uk/?dlm_download_tag=affordable-credit)
- [Annual report: Responsible Finance 2017](https://responsiblefinance.org.uk/?dlm_download_tag=annual-report-responsible-finance-2017)
- [community finance partnerships](https://responsiblefinance.org.uk/?dlm_download_tag=community-finance-partnerships)
- [local finance partnerships](https://responsiblefinance.org.uk/?dlm_download_tag=local-finance-partnerships)

## Relations

- [Director](https://responsiblefinance.org.uk/relation/director/)

## Sectors

- [Housing](https://responsiblefinance.org.uk/sector/housing/)
- [Business](https://responsiblefinance.org.uk/sector/business/)
- [Individuals](https://responsiblefinance.org.uk/sector/individuals/)
- [Social enterprise](https://responsiblefinance.org.uk/sector/social-enterprise/)