01 Identity
Registration and reporting
- Registration status
- Registered
- Reporting status
- Submission Received
- Charity type
- Charitable company
- Registered
- 29 February 2000
- Removed
- Not supplied
- Company number supplied
- 03901460
- Financial period
- 1 January 2025 – 31 December 2025
- Latest income
- £521,702
- Latest expenditure
- £151,627
- Gift Aid
- No
- Owns or uses land
- No
- In administration
- No
- Insolvent
- No
- CIO
- No
Public contact address: 250 BISHOPSGATE, LONDON, EC2M 4AA
Website recorded by the regulator: www.natwest.co.uk/scc (displayed as text)
02 Activities
What the charity does
The charity aims to help local community groups through, for example, the provision of loans to Social Enterprises, charities, not-for-profit organisations & Responsible Finance providers. Our mission is to create positive change for vulnerable & disadvantaged groups across the United Kingdom through the provision of finance to viable social ventures that have been refused traditional bank lending
03 Official extract
Charity Annual Return History
- Fin Period Start Date
- 1 January 2025
- Fin Period End Date
- 31 December 2025
- Ar Cycle Reference
- AR25
- Reporting Due Date
- 31 October 2026
- Date Annual Return Received
- 24 August 2026
- Date Accounts Received
- 24 August 2026
- Total Gross Income
- £521,702
- Total Gross Expenditure
- £151,627
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Cycle Reference
- AR24
- Reporting Due Date
- 31 October 2025
- Date Annual Return Received
- 22 September 2025
- Date Accounts Received
- 22 September 2025
- Total Gross Income
- £488,785
- Total Gross Expenditure
- £397,184
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Cycle Reference
- AR23
- Reporting Due Date
- 31 October 2024
- Date Annual Return Received
- 4 October 2024
- Date Accounts Received
- 4 October 2024
- Total Gross Income
- £1,877,725
- Total Gross Expenditure
- £309,877
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Cycle Reference
- AR22
- Reporting Due Date
- 31 October 2023
- Date Annual Return Received
- 24 October 2023
- Date Accounts Received
- 24 October 2023
- Total Gross Income
- £245,882
- Total Gross Expenditure
- £220,711
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Cycle Reference
- AR21
- Reporting Due Date
- 31 October 2022
- Date Annual Return Received
- 20 July 2022
- Date Accounts Received
- 20 July 2022
- Total Gross Income
- £267,830
- Total Gross Expenditure
- £346,365
04 Official extract
Charity Annual Return Parta
- Latest Fin Period Submitted Ind
- Yes
- Fin Period Order Number
- 1
- Ar Cycle Reference
- AR25
- Fin Period Start Date
- 1 January 2025
- Fin Period End Date
- 31 December 2025
- Ar Due Date
- 31 October 2026
- Ar Received Date
- 24 August 2026
- Total Gross Income
- £521,702
- Total Gross Expenditure
- £151,627
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Count Volunteers
- 25
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Due Date
- 31 October 2025
- Ar Received Date
- 22 September 2025
- Total Gross Income
- £488,785
- Total Gross Expenditure
- £397,184
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 10
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Due Date
- 31 October 2024
- Ar Received Date
- 4 October 2024
- Total Gross Income
- £1,877,725
- Total Gross Expenditure
- £309,877
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 0
- Count Govt Grants
- £0
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Due Date
- 31 October 2023
- Ar Received Date
- 24 October 2023
- Total Gross Income
- £245,882
- Total Gross Expenditure
- £220,711
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 5
- Ar Cycle Reference
- AR21
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Due Date
- 31 October 2022
- Ar Received Date
- 20 July 2022
- Total Gross Income
- £267,830
- Total Gross Expenditure
- £346,365
- Charity Raises Funds From Public
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- No
- Count Volunteers
- 0
05 Official extract
Charity Annual Return Partb
- Latest Fin Period Submitted Ind
- Yes
- Fin Period Order Number
- 1
- Ar Cycle Reference
- AR25
- Fin Period Start Date
- 1 January 2025
- Fin Period End Date
- 31 December 2025
- Ar Due Date
- 31 October 2026
- Ar Received Date
- 24 August 2026
- Income Donations And Legacies
- 168510
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 149360
- Income Investments
- 203832
- Income Other
- 0
- Income Total Income And Endowments
- 521702
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £45,961
- Expenditure Charitable Expenditure
- £105,666
- Expenditure Other
- 0
- Expenditure Total
- 151627
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 9585
- Expenditure Support Costs
- 9585
- Expenditure Depreciation
- 0
- Gain Loss Investment
- 185296
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £4,670,000
- Assets Total Fixed
- 6627016
- Assets Own Use
- 6627016
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £6,919,269
- Assets Total Liabilities
- £13,800
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £13,532,485
- Creditors One Year Total Current
- 13800
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £1,177,624
- Funds Endowment
- 0
- Funds Unrestricted
- 13532485
- Funds Restricted
- 0
- Funds Total
- 13532485
- Count Employees
- 0
- Charity Only Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Due Date
- 31 October 2024
- Ar Received Date
- 4 October 2024
- Income Donations And Legacies
- 1671121
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 131526
- Income Investments
- 75078
- Income Other
- 0
- Income Total Income And Endowments
- 1877725
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £0
- Expenditure Charitable Expenditure
- £309,877
- Expenditure Other
- 0
- Expenditure Total
- 309877
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 54969
- Expenditure Support Costs
- 177067
- Expenditure Depreciation
- 0
- Gain Loss Investment
- 360039
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £12,704,801
- Assets Total Fixed
- 3315022
- Assets Own Use
- 0
- Assets Long Term Investment
- 3315022
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £9,397,779
- Assets Total Liabilities
- £8,000
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £12,704,801
- Creditors One Year Total Current
- 8000
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £7,338,673
- Funds Endowment
- 0
- Funds Unrestricted
- 12704801
- Funds Restricted
- 0
- Funds Total
- 12704801
- Count Employees
- 0
- Charity Only Accounts
- Yes
06 Official extract
Charity Area Of Operation
- Geographic Area Type
- Country
- Geographic Area Description
- Scotland
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Europe
- Welsh Ind
- No
07 Official extract
Charity Classification
- Classification Code
- 113
- Classification Type
- What
- Classification Description
- Economic/community Development/employment
- Classification Code
- 205
- Classification Type
- Who
- Classification Description
- Other Charities Or Voluntary Bodies
- Classification Code
- 303
- Classification Type
- How
- Classification Description
- Provides Other Finance
08 Official extract
Charity Event History
- Charity Name
- NATWEST SOCIAL & COMMUNITY CAPITAL
- Charity Event Order
- 1
- Event Type
- Standard registration
- Date Of Event
- 2000-02-29T00:00:00
09 Official extract
Charity Governing Document
- Governing Document Description
- MEMORANDUM AND ARTICLES INCORPORATED 23/12/1999AS AMENDED BY CERTIFICATE OF INCORPORATION ON CHANGE OF NAME DATED 25/09/2008AS AMENDED BY SPECIAL RESOLUTION(S) DATED 16/08/2012AS AMENDED BY CERTIFICATE OF INCORPORATION ON CHANGE OF NAME DATED 23/10/2014AS AMENDED BY SPECIAL RESOLUTION(S) DATED 21 JUN 2017 as amended on 21 Dec 2019 as amended on 21 Dec 2020 as amended on 29 Jul 2024
- Charitable Objects
- THE OBJECTS OF THE CHARITY ARE THE GENERAL PURPOSES OF SUCH CHARITABLE BODIES OR FOR SUCH OTHER PURPOSES AS THE TRUSTEES MAY FROM TIME TO TIME DECIDE WITH A PARTICULAR BUT NOT EXCLUSIVE FOCUS ON PROVIDING FLEXIBLE FINANCE AND SUPPORT WITH FUNDING APPLICATIONS. THROUGHOUT ENGLAND, SCOTLAND AND WALES AND SUCH OTHER COUNTRIES AS THE TRUSTEES MAY FROM TIME TO TIME DETERMINE AS SHALL EXCLUSIVELY CHARITABLE
- Area Of Benefit
- SHROPSHIRE, HEREFORD AND WORCESTER, WARWICKSHIRE, STAFFORDSHIRE AND THE UNITARY AUTHORITIES OF STOKE-ON-TRENT, WOLVERHAMPTON, WASALL, SANDWELL, DUDLEY, BIRMINGHAM, SOLIHULL.
10 Official extract
Charity Other Names
- Charity Name Id
- 570066
- Charity Name Type
- Working name
- Charity Name
- NATWEST SOCIAL & COMMUNITY CAPITAL
- Charity Name Id
- 351055
- Charity Name Type
- Previous name
- Charity Name
- RBS GROUP MICRO FINANCE FUNDS
- Charity Name Id
- 552896
- Charity Name Type
- Previous name
- Charity Name
- RBS SOCIAL & COMMUNITY CAPITAL
- Charity Name Id
- 570067
- Charity Name Type
- Working name
- Charity Name
- ULSTER BANK SOCIAL & COMMUNITY CAPITAL
- Charity Name Id
- 351044
- Charity Name Type
- Previous name
- Charity Name
- NATWEST COMMUNITY FINANCE FUND - THE WEST MIDLANDS
- Charity Name Id
- 570064
- Charity Name Type
- Working name
- Charity Name
- ROYAL BANK OF SCOTLAND SOCIAL & COMMUNITY CAPITAL
11 Official extract
Charity Policy
- Policy Name
- Internal risk management policy and procedures
- Policy Name
- Internal charity financial controls policy and procedures
- Policy Name
- Social media policy and procedures
- Policy Name
- Investment
- Policy Name
- Financial reserves policy and procedures
- Policy Name
- Serious incident reporting policy and procedures
- Policy Name
- Bullying and harassment policy and procedures
- Policy Name
- Complaints policy and procedures
- Policy Name
- Complaints handling
- Policy Name
- Investing charity funds policy and procedures
- Policy Name
- Paying staff
- Policy Name
- Volunteer management
- Policy Name
- Risk management
- Policy Name
- Safeguarding vulnerable beneficiaries
- Policy Name
- Conflicting interests
- Policy Name
- Trustee conflicts of interest policy and procedures
- Policy Name
- Trustee expenses policy and procedures