Ulster Community Investment Trust

Ulster Community Investment Trust

About us

Ulster Community Investment Trust Ltd (UCIT) was established in 1995 in response to decreasing grant support from government and the difficulties experienced by community organisations in accessing commercial loan facilities. The organisation now stands as the key provider of social finance, free advice, business support and mentoring to the social economy sector in Northern Ireland and the Republic of Ireland.

As a registered charity, all profits generated by UCIT are recycled for reinvestment into the community and social enterprise sector.

Why we are different

  • Reaching those organisations and social enterprises that banks or building societies will not readily assist
  • Solely working with community organisations and social enterprises
  • Understanding of the sector
  • Responsible lending
  • Transparent and accountable in all our work

Contact us

For more information on our work please go to www.ucitltd.com or contact us at [email protected]


Loan Products

By providing access to the appropriate, tailored financial support plus free advice and assistance, UCIT can help your social enterprise reach its full potential.

Who do we lend to?

Community organisations, charities and social enterprises, both large and small, located in Northern Ireland and the Republic of Ireland.

Our tailored loan products include:

Our clients include Tourism projects, Rural development projects, Faith-based projects, Sports Clubs, Training initiatives, Childcare schemes, Housing associations and Community transport schemes

Why are we different

No penalties – UCIT does not penalise against early repayment of loans

Free business support – UCIT offers each client organisation free business mentoring and support

Flexibility – If you would like a chat about whether a loan is the right option for your organisation, our lending team can provide advice and know how gained from many years of involvement within the sector

What do we loan for?

Finance is available for many purposes including:

  • Buildings and equipment
  • Working capital
  • Cash shortfalls
  • Bridging finance against delayed grants or other confirmed income
  • Restructuring of debt

To see examples of social enterprises we have assisted financially, click on the following link: Case Studies

Interest rates

UCIT Interest rates are competitive and depend on the individual circumstances of each client.

Repayment Terms

UCIT provides both long-term loans and short-term bridging finance. The loan terms can be tailored to suit each client.

Opening hours

Opening hours are Monday - Friday, 9am to 5pm.

Contact Details

NICVA will not disclose any contact details further to those published by the organisation below.


Ulster Community Investment Trust
13-19 Linenhall Street
Co Antrim
United Kingdom


028 9031 5003


Social Media

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