Social & Sustainable Capital (SASC) Reviews

Social & Sustainable Capital (SASC) specializes in impactful investments, focusing on social and sustainable projects that drive positive change and financial returns.

Here are the Trustpilot Reviews from Social & Sustainable Capital (SASC):

Here are the Reviews from Social & Sustainable Capital (SASC):

Today, I finished paying off my car! I bought my car in 2017, a 2014 Nissan Rogue. They never repossessed my car, even after missing so many payments. All I had to do was call them, and they would work with me, at times deferring my payments. They are the best! If I ever buy a car through a bank, I hope Santander allows me to buy through them. I loved them so much! But I am happy this car is finally paid off.

amada sanchez

I made double and triple payments throughout the year. They say I am past due for June. According to their records, I have 23 payments left, but if I pay the monthly amount, I have 14 payments left, which they agree with. How am I late?

Lbi1206

They add random money to your bill. I screenshot all my bills; they add extra money and don't say where it comes from, and they don't speak English. Ridiculous

mari pea

Please don't do it. This is one of the worst companies in the world, so unprofessional. I paid off a car in January, but it hasn't been reported to any of the credit bureaus. I've been calling, asking them to report it to the bureaus, but they told me they don't report when a vehicle is paid off. What a scam. This is so unheard of. I do not recommend this company to anyone, so please be aware of what you are facing when you finance through this company.

Brenda Berry

Santander is one of the worst finance companies to work with. Their customer service is awful. I don't even have my car anymore, as it was totaled. Yes, I had gap insurance, and the insurance company covered it. However, I still had to pay over $1,000 on top of that. I made a settlement agreement, and they didn't honor it in the end. I had to pay an additional $200. When I called about it, I was told it was all paid off and when I checked to make sure it was after the time frame that they said it was still there, and I was told there was nothing they were willing to do. When I made a payment, I would call, but everything has to be done through the portal, and you're charged an additional fee as well. I would recommend finding a different finance company by any means necessary, as they do not try to assist or offer any solutions. They are just a money-hungry company and couldn't care less about anyone. They try to wring every penny they can from you with practices that are unfair to the public. They should just close their doors and go bankrupt with the way they treat people. I don't understand how they stay in business, other than by being the last resort for people who need financing, but there are certainly other companies that will finance.

Susan Hendrix

From Bad to Worse – A Cautionary Tale When I first sought a loan, this company approved me—but at a staggering 24% interest rate due to a poor credit score, which I believe was heavily influenced by the economic conditions during the Biden administration. Despite the high rate, I accepted the loan as it seemed like my only option. For 18 months, I made consistent, timely payments, leading to a significant improvement in my credit score. However, when I encountered unexpected financial difficulties, I reached out to negotiate a payment plan. I was assured that if I made the agreed-upon payment, I wouldn't be reported as 30 days late. Contrary to their assurance, they reported me as late regardless. Consequently, my credit score plummeted over 100 points, leaving me with this blemish for the next seven years. This incident has severely hampered my ability to refinance the loan and obtain more favorable terms. The impact is even more profound as a small business owner. The manner in which this company handled the situation was thoughtless and unprofessional. I'm sharing this review to caution others—avoid using this company if you have any other options. I lacked alternatives 18 months ago. Currently, my sole aim is to refinance this loan with a different lender and rectify the harm done to my credit. There is a need for increased consumer protection against such companies. At the moment, it feels as though our options for recourse are severely limited.

mschmanski

Explore Social & Sustainable Capital (SASC)'s Finance Solutions:

Social and Sustainable Housing (SASH) Loan

£2,000,000 – £5,000,000

Community Investment Fund Loan

£250,000 – £2,000,000

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Explore Social & Sustainable Capital (SASC)'s Finance Solutions:

Loan Type:

Social and Sustainable Housing (SASH) Loan

Loan Range:

£2,000,000 – £5,000,000

Loan Terms:

10 to 20 years

Minimum Turnover and Trading Age:

Minimum 3 years operating history and evidenced track record of housing service delivery

Interest Rate:

c. 5% – 6% fixed (first 10 years) then variable by agreement

Fees:

Arrangement fee c.1% of loan; borrower pays legal and valuation costs; early repayment fee typically 2% within first 5 years

Loan Type:

Community Investment Fund Loan

Loan Range:

£250,000 – £2,000,000

Loan Terms:

2 to 15 years

Minimum Turnover and Trading Age:

Typically 2 years trading; exceptions for strong management teams

Interest Rate:

5% – 12% per annum (fixed or variable, deal-dependent)

Fees:

Arrangement fee 1%–2%; monitoring fee c. £1,500-£3,000 p.a.; standard legal costs payable

Loan Type:

Third Sector Investment Fund Loan

Loan Range:

£250,000 – £3,000,000

Loan Terms:

2 to 15 years

Minimum Turnover and Trading Age:

Minimum 2–3 years operating track record

Interest Rate:

4% – 10% per annum

Fees:

1% arrangement fee; commitment fee on undrawn amounts; standard legal/valuation costs

Loan Type:

Social and Sustainable Growth (SSG) Loan

Loan Range:

£100,000 – £1,500,000

Loan Terms:

5 to 10 years

Minimum Turnover and Trading Age:

Preferably 2 years trading and ≥£500k annual income

Interest Rate:

6% – 10% per annum fixed or RPI-linked

Fees:

Arrangement fee ~2%; no early repayment charge after year 3; monitoring fee c.£1k-£2k pa

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More About Social & Sustainable Capital (SASC)

Social & Sustainable Capital (SASC) is a UK-based specialised social investor established in 2014 that offers patient, mission-aligned debt finance to charities and social enterprises. It operates as an FCA-authorised UK AIFM and channels funds through dedicated social investment funds. SASC's lending supports charities and social enterprises with varied financing needs, including property acquisition, working capital, and growth. This lender caters primarily to organisations seeking social impact-focused loans, offering longer terms and customised structures compared to mainstream lenders. See our Social Sustainable Capital SASC Reviews and alternative finance loans overview for more insights.

Key features of Social & Sustainable Capital

SASC’s approach combines tailored social investment products with long-term capital and partnership-led support. It emphasises flexibility, impact measurement, and social mission alignment throughout the lending process.

Relationship-led application process with a dedicated investment manager.
Provides impact measurement and management tools free of charge.
Flexible repayment profiles including amortising, bullet, and interest-only structures.
Offers blended finance combining grants, subordinated debt, and senior debt.
Partnership network links with Big Society Capital and local authorities.

Eligibility for funding

You may qualify for finance from SASC if your organisation is a UK charity or social enterprise with at least two to three years of trading history, depending on the fund. The business should demonstrate clear social or environmental impact and meet minimum turnover requirements, generally around £500k to £1m. Commercial SMEs or purely profit-focused businesses are excluded. Review detailed eligibility guides and use our tools to assess your fit.

Loan options available

SASC offers several loan types catering to different needs of social sector organisations. Loan sizes, terms, and rates vary according to fund and purpose, with fixed and variable rates available.

Social and Sustainable Growth (SSG) Loan: Loan amounts from £100,000 to £1,500,000 over 5 to 10 years. Rates range from 6% to 10% fixed or RPI-linked. Suitable for smaller social enterprises with 2+ years trading and income above £500k.
Community Investment Fund Loan: Loans between £250,000 and £2,000,000 for 2 to 15 years. Interest rates from 5% to 12%, fixed or variable. Flexible security up to about £400k unsecured. Open to organisations with 2+ years trading demonstrating local social impact.
Third Sector Investment Fund Loan: Loans from £250,000 to £3,000,000 with terms of 2 to 15 years. Rates between 4% and 10%. Designed for medium-sized charities with 3-year accounts and social impact KPIs.
Social and Sustainable Housing (SASH) Loan: Loans of £2,000,000 to £5,000,000 spanning 10 to 20 years. Fixed rates around 5% to 6% initially, then variable. Enables housing stock purchase with a modest deposit and no personal guarantees.

How to apply

The application process at SASC is primarily offline and relationship-based. Timescales are longer than mainstream banks, reflecting detailed due diligence and social impact assessment.

Submit preliminary enquiry via form or email to start discussions.
Provide financials, governance documents, impact plans, and property details if applicable.
Initial term sheet issued within 2 to 4 weeks of preliminary info, with full credit approval in 8 to 12 weeks.
Complete legal documentation and conditions precedent must be satisfied before drawdown, which occurs 2 to 3 weeks later.

Funding Agent’s review of Social & Sustainable Capital

SASC occupies a niche for UK social enterprises and charities needing flexible, patient capital aligned with their mission. Its range of funds supports property acquisition, growth, and community projects but requires robust social impact reporting and a longer application timeline. This lender is suitable for established organisations seeking significant funding with social purpose. Explore our eligibility checker, compare loans in our financing options, or read further independent reviews to decide if SASC meets your needs.