CFG Annual Conference
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1 CFG Annual Conference Social Investment Geetha Rabindrakumar Big Society Capital
2 What is social investment? Investment Financial return Social investment Financial return & Social return Philanthropy Social return
3
4 External developments Voluntary sector borrowing increased from 2bn to 4bn over 10 years (NCVO Civil Society Almanac) Future demand c 760m per year (CAF Venturesome In Demand ) Social investment tax relief Commissioners and Social Impact Bonds (SIBs) New investor groups corporates, housing associations, local authority pension funds New funds (e.g. focus on care and wellbeing) Crowdfunding
5 BSC vision of market Improving access to finance for small and medium-sized charities Building mass participation in social investment Capital to scale innovative approaches to tackling social problems Greater financial scale in the financing of social issues
6 BSC role as a wholesaler and market champion
7 Social Investment Finance Intermediaries Investment Readiness Social Funds General funds Specialised funds Social Impact Bonds Social Lenders Advisers
8 Type of capital Stage of development Commissio ning/reven ue support BLF Outcomes Fund ( 40m) CO Outcomes Fund ( 10m) Secured Loans Social Banks (~ 180m) Unsecured Loans Equity Tech for Good ( 500K) Big Venture Challenge (> 5m) Social Investment Funds (~ 20m) Fully or partly funded by government Fully or partly funded by Big Lottery Fund Partly capitalised by Big Society Capital Grant Grant programmes from Charitable Trusts and Foundations (> 2bn) Other Restricted Grant OCS Social Incubator Fund( 10m) BIG Potential ( 10m) CO ICRF ( 10m) Start up Early Growth Established Stage of business growth
9 Early considerations What do you need investment for? o Purchasing/refurbishing assets o Working capital (e.g. to support payments by results contract) o Bridging finance (e.g. confirmed grant) o Expand existing work/ deliver new services Is there an income stream? What social impact are you seeking to create? Organisation Activities Outputs Outcomes Impact
10 Other things to consider Risk appetite? Predictability of payments? Could social investment work alongside bank finance & donations?
11 Opportunities and benefits of of engaging social investors Charity bonds broader audience Expertise from sector specific funds (e.g. care, renewables) Motivated individuals (e.g. angel investors ClearlySo)? Contribution of skills and experience (e.g. through Board seat?) Reporting impact
12 Social impact bonds financial risk transfer to investors Investors Investment into SIB programme SIB SPV Payments represent a % of cost savings Commissioner (eg LA) Payment metric: Reduction in loneliness Eg: Social Finance - Investment in services to reduce loneliness benefits of reduced service use and improved health outcomes Lead delivery charity - Pressing social need Delivery programme (could include peer support, group activity, CBT for most isolated) - Engaged commissioner Reduced loneliness - Complex social outcome to evidence
13 Co-developing investment ideas Real Lettings L&Q Housing Association 10m social investment into Real Lettings Property Fund via L&Q Foundation Financial and social investment Mission alignment Resonance Manages Real Lettings Property Fund Raised 16m initially, aims to reach 100m Fund will buy c bed flats in London Broadway Homelessness charity Charity supports previously homeless people in private rented sector Leases flats from Real Lettings Fund Supports clients to move on
14 Other ways to be involved with social investment Aligning investments with mission e.g. Threadneedle Social Bond Fund Partnering with social enterprises to help deliver mission Federated charities investing in your networks to scale impact
15 For reference 1) Submit online queries to BSC investment team 2) Grant support to prepare for investment: Big Potential ICRF - 3) Sources of funding currently open: 4) Directory of social finance providers and advisers (can filter for specific requirements): 3) NCVO guide and tool 4) Big Lottery Guide to social investment (summer 2014)
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