Core funding grants up to £100,000 over 3 years for small and medium-sized locally based charities in England and Wales working helping people aged 17 years and older achieve positive change.

The Lloyds Bank Foundation for England and Wales relaunched its grants programme in early December 2019 to coincide with its ‘Reaching Further’ strategy for the period 2018-22. A summary of the Foundation’s previous grant-making strategy ‘Breaking Disadvantage, Bettering Lives’ can be found on page 15 of its excellent annual report. During 2018 the Foundation distributed £20 million through new and existing grants, supporting more than 900 charities which helped 142,000 people experiencing disadvantage.

Funding is available for core organisational costs which are related to the day to day running of their charity. Consideration will only be given to requests for core costs where over 50% of the charity's work and expenditure meets the Foundation's criteria. Funding is also available for costs associated with the direct delivery of the charity's work.

The Foundation offers grant funding for organisations supporting people (17 years and older) who are experiencing complex social issues resulting in a significant impact on their lives. Applicants need to demonstrate their work is ‘highly impactful’ and possess the following characteristics:

o In-depth.
o Holistic and person-centred.
o Targeted.
o Supporting a journey of change,
o An appetite for development.

The work should address one or more of the following complex social issues:

1. Domestic abuse – the work supports:
o People who have experienced domestic abuse – an incident or pattern of incidents of controlling, coercive, threatening, degrading and/or violent behaviour. This abuse can encompass, but is not limited to psychological, physical, sexual, emotional or economic abuse. This also includes people who have experienced honour-based violence.
o Perpetrators – people who have systematically abused another person to gain power or control in a domestic or intimate relationship. This might be a partner, family member or friend.

2. Sexual abuse and exploitation – people who have experienced sexual abuse and exploitation which may include any of the following:
o Sexual abuse, violence or exploitation.
o Female genital mutilation.
o Adults who experience trauma from historic sexual abuse or exploitation.
o People involved in sex work where it has a significant adverse impact on their lives.

3. Mental health – people who are managing mental health problems resulting in significant disruption to everyday living or in recovery from an episode of such problems occurring in the last two years.

4. Homelessness and vulnerably housed – people with no accommodation; living in temporary, overcrowded accommodation; or who are vulnerably housed where there is a high risk of becoming homeless.

5. Offending, prison or community service – people with a history of offending which significantly impacts on everyday life; rehabilitation of and prevention of reoffending for people with a custodial or community service sentence.

6. Care leavers - people who are currently managing the transition from having spent time in care as a child (under the age of 18 years). This could be in foster care, residential care, or other arrangements outside the immediate or extended family.

7. Learning disability - people who have a learning disability are defined as those who have ‘a reduced intellectual ability and difficulty with everyday activities - for example, household tasks, socialising or managing money – which affects someone for their whole life.’ The Foundation is keen to support charities which address the three greatest needs listed in the guidelines in an in-depth and holistic way.

8. Addiction and dependency on alcohol, drugs, substances and/or gambling for people whose lives are significantly affected by their addiction and dependency on alcohol, drugs, substances, and/or gambling.

9. Trafficking and modern slavery - people who have been trafficked or forced against their will into labour or marriage.

10. Young parents - young people under the age of 21 years who have become parents and which may have adversely affected their health, relationships and opportunities to continue their education or move into training/employment.

11. Asylum seekers and refugees – people who are seeking asylum in the UK or have been granted refugee status in the last two years. The funding is for services such as immigration advice, welfare advice, and support to integrate asylum seekers and refugees in their local community.

Charities and charitable incorporated organisations (CIOs) that are registered with the Charity Commission and operate mainly in England and Wales may apply for a core funding grant of between £45,000 and £100,000 over three years.

In 2020, the Foundation expects to award around 170 new grants, half of which will be for £100,000 over three years and the other half for £45,000 over three years.

The Foundation’s new funding process considers local need, the prevalence of eligible small and medium sized charities, the nature of the region and the balance of its portfolio to date.

Eligible applicants must provide evidence of:

o A registered charity number (this can be a CIO).
o An annual income of between £25,000 and £1 million in the last set of accounts published on the Charity Commission website.
o Its own bank account.
o A track record of working with people aged 17 or older, who are facing complex issues as listed by the Foundation. The only exception is charities working with young parents.
o Delivering services for more than a year in England and/or Wales.
o Free reserves of less than 12 months.
o A Board of at least three unrelated Trustees.
o A safeguarding policy in place, 
o One of the Foundation's regional priorities at the time of submitting the application.

Funding is not available for:

o Community Interest Companies.
o Infrastructure or ‘umbrella’ organisations. (Requests would be considered from these organisations only for any direct delivery of support to disadvantaged people.)
o Organisations whose primary purpose is to give funds to individuals or other organisations. This means organisations using more than 50% of annual expenditure as grants.
o Hospitals, health authorities or hospices.
o Rescue services.
o Nurseries, pre-schools or playgroups.
o Schools, colleges, universities.
o Animal charities.
o Charities working predominantly outside England and Wales.
o Organisations that do not have a purpose/benefit beyond the promotion of religion, 
o Significant capital purchases, building work, or purchase of vehicles.

This is a rolling programme and applications may be made at any time. Please allow a period of 5 months from starting the application process to a decision from the Foundation.

Initially applicants are requested to complete the Eligibility Checker on the Foundation's website.

Further information about the programme is available on the Foundation’s website.

Contact details for the Foundation are:

Harriet Stranks
Director of Grants
Lloyds Bank Foundation for England and Wales
Pentagon House
52-54 Southwark Street
Tel: 0370 411 1223

(Source: GRIN)

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