Loans
Our Loans
If you’re looking for a loan to help further your social mission, you’re in the right place.
Our mission is to support your mission
We offer loans to small, medium and large organisations where the loan is being used for a social purpose.
Supporting the social sector for over 20 years
We lend to charities, social enterprises and organisations tackling social and environmental issues and shape our terms and repayment schedules around their needs.
Why Charity Bank?
We’re more than just an ethical bank. For over 20 years, we’ve created positive social change in everything we do. All our shareholders are charities and social impact investors. All our borrowers are delivering social impact. And every loan, deposit and investment helps drive real change for people, communities and the planet – now, and for the long term.
Why our customers choose us
We understand our customers
Our values and ethics
Flexibility in lending
Excellent customer service
Relationship & tailored support
Limited options from other banks
Our Loans
Charity Loans
Secured lending shaped around your organisation, with dedicated support from our Lending team — we’re charity and social sector specialists.
Green Loans
A dedicated environmental product: secured lending shaped around your project and available to environmental projects of every size.
Our impact across Australia
Since our first loan, our savers’ deposits have funded loans to charities, community organisations and social enterprises in every state and territory.
Australia
A$653 million
Total amount lent to date
1,480+
Total number of loans
Lending across the Social Sector
We lend to a range of sectors, focusing on creating positive social impact. Here are some of the key sectors we support:
Arts
Community
Education
Environment
Faith
Health & Care
Social Housing
Sport
Our lending expertise
Our lending team combines credit assessment, social-sector finance and property expertise. Every application is assessed by a specialist who understands your organisation’s financial position and its social aims.
Daniel Nguyen
Director of Lending
Daniel has worked in secured lending for two decades, most of it with charities, community housing providers and social enterprises. He leads the relationship managers who take a loan from a first conversation through to drawdown.
“No two organisations we lend to are structured the same way. Our job is to understand yours properly before we suggest anything at all.”
Liam McCarthy
Head of Impact
Liam measures and reports what the bank's lending actually changes, and works with borrowers on the social outcomes behind each project. He previously ran evaluation for a national community services network.
“Impact is not a nice paragraph at the back of a report. We collect the evidence, we publish it, and we let it steer where we lend next.”
Aisha Hussein
Chief Risk Officer
Aisha oversees credit, operational and conduct risk across the bank and is the team's link to APRA and ASIC. She spent years in prudential supervision before moving to the other side of the table.
“Good risk management is not about saying no. It is about being honest early, so that a loan still works for the borrower in five years' time.”
FAQs
Who do you lend to?
We only lend to organisations based in Australia. We lend to most organisations that have a social purpose and can repay the required loan.
What can I use the loan for?
A loan can be used for any legal purpose which supports the social objectives of the organisation. The loan purpose will be agreed and approved as part of the application process; should circumstances change, the borrower must let us know and any adjustments will need to be agreed.
Looking for broker partnerships?
If you’re a broker looking to help organisations maximise their social impact, explore our broker partnerships to learn more about working with Charity Bank.