By providing access to the appropriate, tailored financial support plus free advice and assistance, UCIT can help your social enterprise reach its full potential.

Who do we lend to? 

Community organisations and social enterprises, both large and small, located in Northern Ireland and the Republic of Ireland.

Our clients include:

• Enterprise and workspace projects
• Tourism initiatives
• Rural development projects
• Training initiatives
• Childcare schemes
• Housing associations
• Community transport
• Energy and environmental initiatives
• Sports and recreation facilities
• Charitable organisations

Why we are different

• No penalties
  UCIT does not charge arrangement fees or penalise against early repayment of loans
• Free business support
  UCIT offers each client social enterprise free business mentoring and support
• Flexibility
  If you would like a chat about whether a loan is the right option for your social enterprise, our lending team can provide advice and know how gained from many years of involvement within the sector

What do we loan for?

Social Finance is available for many purposes including:

• Buildings and equipment
• Working capital
• Cash shortfalls
• Bridging finance against delayed grants or other confirmed income
• Restructuring of debt

To see examples of social enterprises we have assisted financially, click on the following link:

Case Studies

Interest Rates

UCIT Interest rates are competitive and depend on the individual circumstances of each client.

Repayment Term

UCIT provides both long-term loans and short-term bridging finance. The loan terms can be tailored to suit each client.