Supportive loan finance to help people take control of their economic lives and create social benefit.

We exclusively serve the co-operative and social enterprise sector.

Over the last 40 years we’ve supported hundreds of businesses, from small community-led enterprises to large award-winning organisations. All of our funds are democratically owned and controlled by our members. We lend to those that practice the principles of co-operation, social ownership and sustainable development. Our rates are competitive and we don’t require personal guarantees.

more about borrowing from us >>
  • Home Copy
    Sutcliffe Play | Play equipment designers, employee-owned
  • Home Copy
    Unicorn Grocery | Grocery shop & workers’ co-operative

Recent lending 

We’re hiring!
Business Development Manager

We’re looking for a Business Development Manager to join our team; to increase our profile and generate revenue streams in ways which are consistent with our mission. The mission is to enable democratic ownership and control of enterprises through the provision of loans and investments. 

Location: Home-Based / Bristol / UK Wide
Hours: 35 per week
Salary: Circa £40 – £47k

For more information >>
Download job description >> 
Download application pack >> 


Roger Sawtell, one of the founders of ICOF
Roger Sawtell, one of the founders of ICOF

News & Views