Social Impact Debt Fund IV

Social Impact Debt Fund IV provides flexible secured loans of up to £4 million to established socially impactful organizations in the UK with a history of revenue generation, profitability, and assets to support secured debt. The fund offers unitranche loans, which have a single set of terms rather than a combination of senior bank debt and separate mezzanine debt funding, allowing borrowers to secure up to 15% more cash proceeds from a single lender than from a traditional bank loan. The fund focuses on three core sectors: Health and Social Care (care homes, supported living, clinical settings), Affordable Housing and Homelessness (transitional housing, refugee housing, rehabilitation housing), and Community and Social Infrastructure (co-working spaces, nurseries, education and arts organizations). Social enterprises borrowing from the fund are expected to deploy the funding to improve their financial sustainability and scale-up existing impact. The fund provides secured loans with 3-6 year repayment terms, flexible repayment profiles including potential 20-25 year amortization, and competitive fixed interest rates. Eligible borrowers must be legally registered in the UK as a company or charity, ideally trading for 5+ years with 2 years of audited accounts, and able to provide measurable positive social impact.