Co-operation among Co-operatives

The Co-operative Loan Fund was set up to strengthen the size and scope of the co-operative sector through the provision of ethical, accessible loan finance.  It is funded and run by co-operatives with the specific aim of helping other co-operatives – a practical example of the principle of co-operation among co-operatives.

We work closely with a number of organisations involved in co-operative development including The Co-operative Enterprise Hub, Co-operative & Community Finance, The Co-operative Community Shares Fund, Co-operatives UK and the Plunkett Foundation.


The Co-operative Loan Fund is funded by donations from
The Co-operative
Midcounties Co-operative,
East of England Co-operative Society,
Chelmsford Star Co-operative Society.

Structure, governance and management

The Co-operative Loan Fund is a company limited by guarantee.  It is overseen by a board of directors who represent each of the funders.  Board meetings are usually held four times a year.

The day-to-day management of the Co-operative Loan Fund is conducted by Co-operative & Community Finance, an independent organisation that  is authorised and regulated by the Financial Services Authority (FSA) in the conduct of investment business.

Co-operative & Community Finance has been providing loan finance for co-operatives, employee-owned businesses and social enterprises since 1973.

Making a donation

We would welcome donations from any co-operative that want to support the work of the fund.  Co-operatives that make donations of over £50,000 may appoint a representative to the board if they wish.  Co-operatives making small donations will also benefit from publicity.  If you wish to discuss making a donation please contact Ian Rothwell ( or 023 8023 1123).