Social Investment Programme
Postcode Innovation Trust
What they fund
Mission-driven social enterprises aligned with four thematic areas: Thriving Together (health, safety, connection), Bright Futures (children, young people, disability support), Sustainable Planet (environmental protection and sustainability), and Resilient Communities (fairness, inclusion, participation).
Who can apply
- Social enterprises and charitable organisations based in Great Britain that are non-profit distributing with an asset lock and a clear social or environmental mission, and want repayable finance to grow earned income
- Eligible types: registered charities, CICs limited by guarantee, CICs limited by shares that cannot pay dividends to individuals (Schedule 2), charitable community benefit societies, charitable incorporated organisations, and companies limited by guarantee with a mission lock
- Schedule 3 CICs (limited by shares and able to pay dividends), co-operatives, private companies limited by shares, and organisations that are not legally incorporated or asset-locked
- Not funded: working capital or short-term cash flow, bridging finance or refinancing existing debt, routine repair and maintenance, projects without a clear link between the investment and more impact, organisations with poor credit history, weak governance or no repayment capacity, and organisations not seeking to grow trading income
See how many funds you could apply for
All details
Great Britain (England, Scotland and Wales).
Four key funding themes: Thriving Together (helping people live healthier, safer, more connected lives); Bright Futures (creating opportunities for children, young people, and people with disabilities or additional needs); Sustainable Planet (protecting and restoring the natural world, building a greener future); Resilient Communities (building fairer, more inclusive communities with opportunity for all to participate and contribute).
Packages of £50,000 to £300,000, half loan and half grant. Loan terms of 1 to 7 years at an interest rate of 3%, with no arrangement fees. A floating charge is taken against each loan, and you should be able to draw down within 3 months of a decision.
EOI response within 2 weeks. Four investment rounds per year, with a maximum of 4 full applications progressed per round. Full application review followed by in-person pitch to investment panel at Edinburgh office. Trustee approval 2 weeks after panel recommendation. Legal agreements typically take 2–3 weeks. Payment within 21 days of signed contracts and recent bank statement.
Step 1: Submit short Expression of Interest form (10 minutes). Step 2: If aligned, participate in initial conversation and receive invitation to submit full application in one of four annual rounds. Step 3: Submit completed application form, business plan, historic financial accounts, financial forecasts, and board/management information. Step 4: Participate in in-person pitch to investment panel at Edinburgh office. Step 5: Once approved, sign legal agreements and provide bank statement for payment. Step 6: Provide twice-yearly impact and financial reports.
Bold, impactful organisations demonstrating clear alignment with funding themes; strong business model with realistic financial forecasts; evidence of governance and management capacity; ability to articulate specific project or activity with measurable impact outcomes; readiness to scale and enter next phase of growth.
Funders welcome draft submissions before the deadline and will provide feedback. The process is designed to be transparent and proportionate. Only 4 full applications are progressed per round, so strong early alignment with thematic areas and clear demonstration of innovation and impact potential are crucial. Ensure your organisation can commit to twice-yearly reporting and provide all required financial and governance documentation.