SIS Bridging Loans | Social Investment Scotland

What are SIS Bridging Loans?

Our bridging loans serve as short-term financing solutions that help social enterprises manage temporary cash flow issues or seize growth opportunities without waiting for long-term funding.

How Bridging Loans work

Cash flow gaps:

Many businesses face cash flow shortages due to delayed payments from customers, seasonal fluctuations, or unanticipated expenses. A bridging loan can help cover day-to-day operational costs, such as payroll or supplier payments while waiting for incoming revenue.
Retrospectively paid grants:

SIS understands that some grant providers require funds to be spent before a grant can be claimed. This can sometimes put pressure on cashflow and a SIS bridging loan can ensure projects are not held up by this.
Business expansion:

A social enterprise looking to expand its operations may need immediate funding to act quickly, especially if waiting for traditional financing would mean losing out on a time sensitive opportunity. Bridging loans provide the capital needed to make a down payment or close a deal.
Property purchases:

Social enterprises may use bridging loans to acquire assets such as property. For example, if a company needs to buy a new property to expand its operations - but has not yet sold off its old property - a bridging loan can help facilitate the purchase.
Many other reasons:

There are many other situations where a bridging loan might be the answer to your cash flow issues. Delayed income, sales in arrears where you have paid costs up front or just unexpected financial situations. Our team are happy to discuss your specific situation and recommend what is best for you and your organisation.