Access to finance can make or break growth for Scotland’s transport and mobility operators. The Scottish Social Growth Fund (SSGF), managed by Social Investment Scotland (SIS), provides £100,000 to £500,000 in flexible loans to help social enterprises and purpose-driven businesses invest, expand, and deliver lasting community impact.
Unlike traditional commercial loans, the SSGF is designed for organisations that aim to deliver social or environmental impact alongside financial sustainability. Whether it’s upgrading a fleet to include accessible or low-emission vehicles, expanding community transport routes, or investing in infrastructure, the fund helps turn ambition into measurable change.
The SSGF offers patient, repayable finance, meaning repayments are structured to suit an organisation’s cash flow and growth journey. This flexibility allows operators to focus on what matters most — delivering reliable, inclusive transport services that strengthen local communities and contribute to Scotland’s net zero targets.
The fund is open to social enterprises and charities operating across Scotland. Applicants should demonstrate a clear social mission and the capacity to repay the investment through trading income. SIS provides ongoing support to help applicants shape their proposals and identify the best funding fit.
To find out how the Scottish Social Growth Fund could support your organisation’s next stage of growth, click here.
The term of the loan is up to 14 years.
Yes.
Improving, expanding or growing the endeavours and reach of charitable activity or work to make a clear difference in Scottish communities.
The loan size is £100K – £500K.
The loan amount is dependent on the applicant’s plans and financial position.
Support is available with completing the application and beyond. Click here for full details.
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