SIS Bridging Loans

What are SIS Bridging Loans?

Our bridging loans are specifically designed to support social enterprises and charities that have confirmed grant awards paid retrospectively. They offer short-term cashflow to help you deliver your project on time, with the loan repaid directly from the grant funds once they are received.

If your organisation needs support for working capital, growth, or operational costs, one of our other loan products may be more suitable. Please contact our team to discuss.

Eligibility

SIS Bridging Loans are designed for organisations and projects that meet the following criteria:

Charities, social enterprises, and community organisations

We support a wide range of impact-driven organisations across Scotland, from small local community groups to larger registered charities and social enterprises. Eligible organisations should be focused on delivering positive social, environmental, or community impact.
Projects that have already secured grant funding

Bridging loans are only available to projects where grant funding has been confirmed.
Situations where grant payments are released after delivery or on a retrospective basis

Many grant funders release payments only after a project has been completed or once key milestones are achieved. A bridging loan provides short-term finance to help you deliver your project on schedule, with repayment made directly from the incoming grant funds once they are paid.

How it works

You secure grant funding for a specific project.
You apply for a bridging loan to cover delivery costs until the grant is paid.
We provide the loan to help you carry out the project.
You repay the loan directly from the grant income once it’s received.