This depends entirely on you. We first help to determine what kind of capital you need. We then ensure we find the right mix of investors to provide it.

We have unique access to over 6,000 registered users on our investment crowdfunding platform – we’re the only UK bank to offer its own crowdfunding platform. These social investors are keen to make a positive impact with their money, as well as earn a financial return.

Over the last 20 years, we have also developed strong relationships with an increasingly wide range of other investors including:

• Charitable trusts and foundations
• Social investment funds
• Family offices
• Housing associations
• Private banks and wealth managers
• IFAs and financial planners

In recent years, we’ve raised over £150m capital for over 60 impact projects and from a blend of these investors.

As you can see from our track record section, we work with a hugely diverse range of clients, operating across a breadth of sectors. What unites our clients is their positive impact on people and the planet and the fact that their values and ethos are aligned with ours. This can be subjective but if we feel that a prospective client is seeking to bring about positive change then we’re open to engaging with them to see if we can help. At all times we comply with the bank’s minimum standards.

Of course, the organisation or project needs to have the ability to service repayable finance and hence we need to feel comfortable that it has a clear and robust business plan - we’d also need to get comfortable with its financial position and performance (both historically and projected), the quality of management and with its track record in its sector. Some clients are much earlier in their journey than others and may not yet have ‘all the boxes ticked’ but we are open to exploring their needs and ambitions and we may feel that, with investment readiness support over a period of time, we can help them get to a position where they are well placed to take on investment.

The crowdfunding platform is a platform which enables organisations which deliver positive impact to raise repayable finance to fund their growth plans. Finance can be raised in the form of debt or equity and is raised from a community of investors looking for both a financial and social return. Find out more about the platform at www.triodoscrowdfunding.co.uk

No – we do not guarantee or underwrite our offers and all investment offers are carried out on a best efforts basis. Clients are effectively engaging us based on our proven track record of completing deals successfully. With over £185m raised, we’ve demonstrated our success in raising capital for over 80 impact projects across multiple sectors. This success is largely because we have a proven ability to judge what organisations we feel are ready, or could be with our support, to take on investment and which will deliver impact that resonates with the target investor audience. Our access to retail investors, a unique route to the investor market in our sector, is often an important consideration for prospective clients.

A meaningful proportion of our fee is typically contingent on a successful capital raising so this ensures we’re commercially motivated to deliver. 

Yes. Debt products are typically fixed term bonds and can be secured or unsecured. The terms will vary from offer to offer – we’ve raised capital that is repayable over 18 months to capital that is repayable over 20 years. Ultimately our offers are not ‘off the shelf’ but tailored to the needs of your company and its business model.

What remains the case throughout is that we are raising repayable capital where investors expect to receive the capital back, with a financial return and to see their investment also facilitate significant impact.