Benefiting local / regional communities
The benefit of these investments is to the people local to the business, or across one region of the country. That might mean addressing poverty locally, building stronger community cohesion, or developing a community that is more socially, economically and ecologically sustainable.
Equity investments
Community shares, company shares and depository receipts. Read more
- ContentID: 2531sharesfinancelocal-regional
ART Business Loans
Return25%Tax relief over 5 yearsSocial impact433Businesses SupportedMinimum amount£500Full details Financial performance key points
- Community Investment Tax Relief (CITR) gives a deduction of 5% of the amount invested from an investor’s Income Tax bill or Corporation Tax bill each year for five years.
- ContentID: 2569sharesrenewable-energylocal-regional
BHESCo
Return5%gross interest per yearSocial impact1309tonnes of CO2 savedMinimum amount£250Full details Financial performance key points
- 5% gross interest per year.
- ContentID: 2494sharescommunitylocal-regional
London Capital Credit Union
Return0% - 2%Historical returnsSocial impact£129mforecast benefit to members over 5 yearsMinimum amount£1,000Full details Financial performance key points
- London Capital has made 0% - 2% payments in the past
- ContentID: 2455sharespropertylocal-regional
St Ives Community Land Trust
Return4%interest per year from 2020Social impact6affordable homes in St IvesMinimum amount£350Full details Financial performance key points
- St Ives CLT expect to pay an interest rate of 4% from 2020
- ContentID: 581sharescommunitylocal-regional
Ekopia
Return3%interest paid for the last seven yearsSocial impact£1 millioninvested in the Findhorn communityMinimum amount£500Full details Financial performance key points
- Ekopia has paid 3 % interest to investors for the last seven years.
- ContentID: 2548sharespropertylocal-regional
YorSpace
Return2.5%interest per year from 2021paid in to share accountSocial impact19 homesfor families in YorkMinimum amount£250Full details Financial performance key points
- YorSpace expect to pay an interest rate of 2.5% from 2021
Secondary market
These products are available to purchase from existing investors, which is known as a secondary market. The majority of these products use the Ethex Bulletin Board for their secondary market.
- ContentID: 1646Secondary marketrenewable-energylocal-regional
Linton Hydro
Return7.5%gross interest per yearSocial impact1,250 MWhclean electricity generated each yearMinimum amount400 bondsFull details Financial performance key points
- Linton Hydro Limited will pay 7.5% gross interest per year, fixed and payable (net of UK basic rate tax) annually in arrears on 30 June in each calendar year.
- ContentID: 1693Secondary marketrenewable-energylocal-regional
Thrive Renewables (Buchan) Ltd
Return5.5%gross interest per yearSocial impact1,350 homesequivalent powered each year1Minimum amount£250Full details Financial performance key points
- The bond will pay 5.5% gross per year, fixed and payable (net of UK basic tax) annually in arrears on 15 July each calendar year.
Savings accounts and savings bonds
Accounts where you can put some cash and earn some interest. Read more
- ContentID: 334savings-accountscommunitylocal-regional
Bristol Credit Union
Return1%dividend paid for last four yearsSocial impact20%increase in loans made in 2014 over 2013Minimum amount£1*Full details *plus £2.50 joining feeFinancial performance key points
- Your savings earn you a dividend, and make you a member, giving you a say in how the Credit Union is run
Children's savings accounts
Savings accounts especially for children. Read more
- ContentID: 318childrens-savings-accountscommunitylocal-regional
Bristol Credit Union
Return1.5%interestSocial impact20%increase in loans made in 2014 over 2013Minimum amount£1Full details Financial performance key points
- The money munchers account is open to individuals aged 18 or under, living, working or being educated in the former Avon County area