Become a Partner
Lendology CIC is a B Corp, social enterprise lender, working in partnership with local councils across the UK. Working with council partners, we provide access to low cost, responsible finance. We make our lending decisions with people, for people and put impact before profit.
We have been lending funds on behalf of councils since 2005 and specialise in lending to owner occupiers, landlords, and empty property owners. Ultimately, our aim is to support local councils with incentivising investment in private sector housing.
Authorised and regulated by the Financial Conduct Authority, Lendology manage the whole loan application from assessment, approval, paperwork and direct debit collections. Our comprehensive reporting suite ensures each council has full oversight of their funds.
We disrupt traditional lending with our decisions powered by partnerships and people, enriching homes and lives through responsible finance.
We specialise in lending to people who may be excluded from mainstream credit, as well as the “able-to-pay” market looking to invest in renewable energy measures.
We offer a longer than average loan term and a range of loan products to support people with limited incomes. There are no early repayment charges and council funds are protected by a Title Restriction at the Land Registry, meaning that funds are repaid on sale of the property.
We work with local energy advice and other not-for-profit organisations to create meaningful referral networks.
Renewable Energy Loans for climate retrofit measures
Empty Property Loans to bring empty properties back into use
Home Improvement Loans for general repairs
Disabled Facilities Loans to top-up DFGs and support independent living at home
Landlord Loans to support Minimum Energy Efficiency Standards (MEES)
Lendology lends capital provided by its council partners. To set up a loan scheme, the minimum capital investment is £300,000 per year.
The interest rate is set by you.
“It’s a really beneficial partnership and solution to the provision of funding for the renewal and improvement of local housing stock.”
North Somerset Council
We currently work with the following councils who would be happy to discuss how the partnership works and their successes to date with you. A broad range of districts and boroughs, we understand the housing challenges in urban and rural areas.
We partner with local and unitary authorities, fund managers and other organisations to support home improvements, the climate agenda, and socio-economic housing solutions.
Our current council partners recognize the value of their investment in the Lendology loan scheme. Partnerships support improving private sector housing stock across diverse communities.
“Cost effective, focused and innovative partner developing and delivering a range of offers that as a local authority we have neither the time nor expertise to do.”
Janet Williams, Public Health and Housing Manager, Torridge District Council
We work with you to understand the housing issues you are looking for a loan scheme to address, and advise on best policy to stimulate activity and deliver your strategic aims.
Lendology CIC are a registered supplier on the Crown Commercial Services platform, easing the procurement process.
Our commitment to partnership working means that we are with you every step of the way to set up a process that works, meaning a loan scheme can be set up within an 8-12 week timeframe.
We hope you find this guidance helpful and take the steps to grow your partnership with Lendology.
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Discover the latest insights from our impactful webinar. Watch the recording here to gain valuable knowledge on net-zero ambitions, retrofit planning, and more. Join us in building a sustainable future.
If you are a local council in the UK looking to explore a Lendology loan scheme partnership, please complete the form below and we will be in contact within 2 working days. We can arrange a webinar session to understand your private sector housing aims and how Lendology can support you.
Please note, we are unable to partner with contractors or other for-profit organisations.