A foundation for your success

A foundation for your success

The help you need to make a difference.

Loans from £250,000 to £5,000,000for third sector organisationsFrom Unity Trust Bank in partnership with WCVA

If you’d like to find out how banking with Unity could help your organisation achieve more, call us:

t: 0345 155 3355 e: us@unity.co.uk @unitytrustbank www.unity.co.uk/WCVA

Unity Trust Bank is authorised and regulated by the FSA and is entered in the FSA’s register under number 204570. Registered Office: Nine Brindleyplace, Birmingham, B1 2HB. Registered in England and Wales no. 1713124. Calls are recorded and may be monitored for security, quality and monitoring purposes. UTB322 / November 2012

Wales Council for Voluntary Action, registered charity number 218093, company limited by guarantee 425299

Rates from as little as 4%

Rates are negotiable on a case-by-case basis, but typically will be Base Rate plus 2.25% with a minimum rate of 4%. Fixed rates are available for up to five years.

Fees

A 1.5% arrangement fee will be payable on acceptance of any loan offer.

Terms

To be eligible, your organisation must be a member of WCVA. In all, there is £30m in the loan fund to be released over 5 years at £6m annually.

Generally, a loan offer will be made up to the value of 75% of the property, but greater loan-to-values (LTVs) will be considered where there is sufficient security. Repayment periods of up to 30 years are available.

Next steps

We’ve done everything we can to make the application and funding procedure as simple as possible by using our professional legal team and advisers from WCVA. This way we can reduce costs for you, simplify the process and assist in collaboration between organisations seeking to work together.

How to apply.

Jon FieldUnity Trust Bank plc,PO Box 401, Cardiff, CF11 1LET: 029 2064 4422M: 07885 843 682E: jon.field@unity.co.uk

I will be delighted to discuss any of your banking requirements so please contact me

t: 0345 155 3355 e: us@unity.co.uk @unitytrustbank www.unity.co.uk/WCVA

If you believe your organisation could benefit, start the application process by contacting the WCVA Helpdesk on 0800 2888 329 or email help@wcva.org.uk.

www.unity.co.uk/WCVA

Awarded 5 stars for our Charity Current Account

Awarded 5 stars for our Small Organisation Custom Account

Highly Commended Best Charity Account Provider

Awarded Bronze by Investors in People 2012

How would you like to give your organisation a much-welcome injection of funds to help with a new building project or as part of a shared initiative with another similar organisation? Now, with a competitively-priced loan from Unity Trust Bank in partnership with WCVA (Wales Council for Voluntary Action) you can.

We’re currently accepting applications from charities and voluntary organisations for loans ranging from £250,000 to £5m, giving you the opportunity to invest in your building infrastructure and cut your rent, leasing and services costs. It could even help your cashflow if you are able to let out unused space. Ultimately, a loan from us gives you the freedom to redirect that money toward delivering better services to the people you support.

A shared vision

Here, at Unity Trust Bank, we understand the issues faced by voluntary organisations, especially in times like this. That’s why, working in partnership with WCVA, we hope that this loan fund will make it easier for charitable organisations to work together to cut costs and share resources.

Because everyone needs a little help.

Tom Jones, the Stereophonics, US X Factor host Steve Jones and many more music and media stars have played or presented at Wales’s iconic studios - The Pop Factory – over the last 12 years. Now, the charity Valleys Kids has bought the venue with a loan from Unity Trust Bank in partnership with WCVA and is turning it into a bustling hub for disadvantaged local young people who want to train in media and music.

Every year, thousands of young people keen to develop their skills will come to the former Corona fizzy drinks factory for courses and to gain real work experience with bands, TV producers and others.

The 34-year-old charity has taken out a 25- year loan of £395,000 to consolidate existing loans and save vital funds. As well as creating the media training hub at

the legendary factory, the loan will help develop a residential centre in Wales’ Gower area.

Richard Morgan, Funding Director at Valleys Kids, says: “The factory is important because it allows us to provide excellent, first-hand support to young people who want careers in the cultural and media industries. It’s about giving young people a chance.”

Richard continues, “We already banked with Unity and know that they’re much easier to deal with than a normal bank, but we were pleasantly surprised by the interest rates. This loan saves us about £12,000 a year and will allow our funds to stretch even further. Unity works for us and we would recommend them to other organisations.”

Case Study

Unity loan sees youth media factory fizzing with energy.

Building a brighter future.

Carl Sargeant, Local Government and Communities Minister

The new fund has received the backing of the Welsh Government. Local Government and Communities Minister, Carl Sargeant added:

Third sector organisations are responding to the needs of Welsh communities and delivering essential public services that are used by people across Wales every day.

I am delighted to see the third sector finding new ways of financing its work. The significant finance that this new initiative will make available to organisations across Wales is very welcome.”

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Unity Trust Bank is one of the UK’s leading providers of banking services to the charity and voluntary sector. Our history of working with some of the country’s best known charities and voluntary organisations has given us a unique insight into the needs of charitable organisations. We understand who you are, your goals and your vision and we are ideally positioned to help you achieve your aims.

This is why Unity Trust Bank has partnered with WCVA to design a loan specifically tailored to the needs of organisations just like yours. The loan fund has been created not only to help you achieve your goals as an organisation but also to motivate charities to work together to cut costs and share services, resources and expertise. After all, in many ways, we all share the same vision - to help people.

A loan made for you

The loan fund has been developed specifically to help you invest in your building infrastructure. So whether you want to extend an existing building or invest in a new build, then this new initiative could be exactly what you’ve been waiting for to get your project off the ground. Our hope is that the fund should stimulate the creation of syndicates of charitable organisations working together in communal business centres.

Legal and valuation process

To help streamline the process, we have teamed up with one of Wales’s leading professional firms - Harrison Clark Solicitors who will be able to offer their services at preferential, fixed fees*. Full details will be provided upon application. You are, of course, free to use your own choice of advisors.**

* For more information, contact Harrison Clark Solicitors directly.

** You will be required to appoint your own solicitor should you be purchasing a property and/or should you require independent legal advice.

Alongside our own support for the third sector this fund will not only support its sustainability and safeguard services, but also boost local economies across Wales.”

Carl Sargeant, Local Government and Communities Minister

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Sylfaen i’ch llwyddiant

Sylfaen i’ch llwyddiant

Y cymorth y mae arnoch ei angen i wneud gwahaniaeth.

Benthyciadau rhwng £250,000 a £5,000,000 i fudiadau’r trydydd sectorGan Unity Trust Bank mewn partneriaeth â WCVA

Os hoffech gael gwybod sut y gallai bancio gyda Unity helpu’ch mudiad chi i gyflawni mwy, ffoniwch ni:

ff: 0345 155 3355 e: us@unity.co.uk @unitytrustbank www.unity.co.uk/WCVA

Mae Unity Trust Bank yn cael ei awdurdodi a’i reoleiddio gan yr Awdurdod Gwasanaethau Ariannol, a’i rif ar gofrestr yr Awdurdod Gwasanaethau Ariannol yw 204570. Swyddfa Gofrestredig: Nine Brindleyplace, Birmingham, B1 2HB. Rhif Cofrestru yng Nghymru a Lloegr: 1713124.Caiff galwadau eu recordio ac mae’n bosibl y cânt eu monitro at ddibenion diogelwch, ansawdd a monitro.

Cyngor Gweithredu Gwirfoddol Cymru, elusen gofrestredig 218093, cwmni cyfyngedig drwy warrant 425299

Cyfraddau’n dechrau o gyn lleied â 4%

Mae posib trafod y cyfraddau yn ôl pob achos unigol, ond fel arfer defnyddir y Gyfradd Sylfaenol plws 2.25%, gyda chyfradd leiaf o 4%. Mae cyfraddau sefydlog ar gael am hyd at bum mlynedd.

Ffïoedd

Bydd ffi trefnu o 1.5% yn daladwy ar dderbyn unrhyw gynnig benthyciad.

Telerau

I fod yn gymwys, rhaid i’ch mudiad fod yn aelod o WCVA. Yn gyfan gwbl, mae £30m yn y gronfa fenthyciadau i’w dosbarthu dros 5 mlynedd, £6m y flwyddyn.

Yn gyffredinol, cynigir benthyciad hyd at werth 75% o’r eiddo, ond fe fydd cymarebau uwch rhwng benthyciadau a gwerth (LTV) yn cael eu hystyried pan fo sicrwydd digonol. Mae cyfnodau ad-dalu o hyd at 30 mlynedd ar gael.

Camau nesaf

Rydym wedi gwneud popeth y gallwn ni i wneud y drefn ymgeisio a chyllido mor syml â phosib drwy ddefnyddio ein tîm cyfreithiol proffesiynol ac ymgynghorwyr o WCVA. Gan hynny, gallwn leihau costau i chi, symleiddio’r broses a chynorthwyo gyda chydweithredu rhwng mudiadau sy’n ystyried gweithio gyda’i gilydd.

Sut i ymgeisio.

Jon FieldUnity Trust Bank plc,PO Box 401, Caerdydd, CF11 1LEFfôn: 029 2064 4422Ffôn symudol: 07885 843 682Ebost: jon.field@unity.co.uk

Rwy’n fwy na pharod i drafod eich anghenion bancio â chi felly mae croeso i chi gysylltu â mi

ff: 0345 155 3355 e: us@unity.co.uk @unitytrustbank www.unity.co.uk/WCVA

Os credwch y gallai hyn fod yn fuddiol i’ch mudiad chi, dechreuwch y broses ymgeisio drwy gysylltu â Lein Gymorth WCVA ar 0800 2888 329 neu ebostio help@wcva.org.uk.

www.unity.co.uk/WCVA

Wedi cael 5 seren am ein Cyfrif Cyfredol i Elusennau

Wedi cael 5 seren am ein Cyfrif Cwsmer i Fudiadau Bychain

Wedi’n Canmol yn Fawr Darparwr Cyfrif Elusennau Gorau

Wedi cael Efydd gan Buddsoddwyr mewn Pobl 2012

A oes ar eich mudiad chi angen chwistrelliad o arian ychwanegol i helpu gyda phrosiect adeiladu newydd neu fel rhan o fenter ar y cyd gyda mudiad tebyg i chi? Nawr, gyda benthyciad am bris cystadleuol gan Unity Trust Bank mewn partneriaeth â Chyngor Gweithredu Gwirfoddol Cymru (WCVA), gallwch wneud hynny.

Rydym ar hyn o bryd yn cymryd ceisiadau gan elusennau a mudiadau gwirfoddol am fenthyciadau’n amrywio o £250,000 i £5m, gan roi’r cyfle i chi fuddsoddi yn eich seilwaith adeiladu a thorri’ch costau rhentu, prydlesu a gwasanaethau. Gallai hyd yn oed helpu eich llif arian os gallwch roi gofod nad ydych yn ei ddefnyddio ar osod. Yn y pen draw, mae benthyciad gennym ni’n rhoi’r rhyddid i chi ailgyfeirio’r arian hwnnw at ddarparu gwell wasanaethau i’r bobl rydych yn eu cefnogi.

Gweledigaeth a rennir

Yma yn Unity Trust Bank, rydym yn deall y materion y mae mudiadau gwirfoddol yn eu hwynebu, yn enwedig mewn cyfnod anodd fel hwn. Dyna pam, drwy gydweithio â WCVA, y gobeithiwn y bydd y gronfa fenthyciadau hon yn ei gwneud yn haws i fudiadau elusennol weithio gyda’i gilydd i leihau costau a rhannu adnoddau.

Gan fod ar bawb angen help llaw.

Mae Tom Jones, Stereophonics, cyflwynydd US X Factor Steve Jones a llawer o sêr eraill y byd pop a’r cyfryngau wedi chwarae neu gyflwyno yn stiwdios enwog Cymru - The Pop Factory – dros y 12 mlynedd diwethaf. Bellach, mae’r elusen Plant y Cymoedd wedi prynu’r lleoliad gyda benthyciad gan Unity Trust Bank mewn partneriaeth â WCVA ac mae’n ei droi’n ganolfan fywiog ar gyfer pobl ifanc ddifreintiedig leol sydd am gael hyfforddiant yn y cyfryngau a cherddoriaeth.

Bob blwyddyn, fe fydd miloedd o bobl ifanc sy’n awyddus i ddatblygu eu sgiliau yn dod i’r ffatri, a oedd yn arfer cynhyrchu diodydd pigog Corona, i gael cyrsiau a phrofiad gwaith go iawn gyda bandiau, cynhyrchwyr teledu ac eraill.

Mae’r elusen, sydd wedi bod ar waith am 34 o flynyddoedd, wedi benthyg £395,000 dros 25 mlynedd i gyfuno benthyciadau eraill ac arbed arian gwerthfawr. Yn ogystal

â chreu’r ganolfan hyfforddi yn y cyfryngau, fe fydd y benthyciad yn cynorthwyo datblygu canolfan breswyl yn ardal y Gŵyr.

Dywedodd Richard Morgan, Cyfarwyddwr Cyllid Plant y Cymoedd: “Mae’r ffatri’n bwysig gan ei bod yn ein galluogi i ddarparu cymorth rhagorol, uniongyrchol i bobl ifanc sydd â’u golygon ar yrfa yn y cyfryngau. Mae’n golygu y gallwn roi siawns i bobl ifanc.”

Aeth Richard ymlaen i ddweud, “Roeddem yn bancio gyda Unity yn barod ac yn gwybod ei bod yn llawer haws delio gyda nhw na gyda banc arferol, ond cawsom ein synnu ar yr ochr orau gan y cyfraddau llog. Mae’r benthyciad hwn yn arbed tua £12,000 y flwyddyn i ni a fydd yn ein galluogi i ymestyn ein cyllid ymhellach fyth. Mae Unity yn gweithio i ni a byddem yn eu hargymell i fudiadau eraill.”

Astudiaeth achos

Benthyciad Unity yn arwain at fwrlwm mewn canolfan i bobl ifanc.

Adeiladu dyfodol gwell.Unity Trust Bank yw un o ddarparwyr gwasanaethau bancio mwyaf blaenllaw’r DU i’r sector elusennol a gwirfoddol. Mae ein hanes o weithio gyda rhai o elusennau a mudiadau gwirfoddol mwyaf adnabyddus y wlad wedi rhoi cipolwg unigryw i ni ar anghenion mudiadau gwirfoddol. Rydym yn deall pwy ydych chi, eich amcanion a’ch gweledigaeth, ac rydym mewn safle perffaith i’ch helpu i gyflawni’ch amcanion.

Dyma pam mae Unity Trust Bank wedi ffurfio partneriaeth â WCVA i ddylunio benthyciad wedi’i deilwra’n arbennig i anghenion mudiadau fel chi. Mae’r gronfa fenthyciadau wedi’i chreu nid yn unig i’ch helpu i gyflawni’ch amcanion fel mudiad ond hefyd i symbylu elusennau i gydweithio er mwyn lleihau costau a rhannu gwasanaethau, adnoddau ac arbenigedd. Wedi’r cwbl, mewn sawl ffordd, rydym i gyd yn rhannu’r un weledigaeth – helpu pobl.

Benthyciad wedi’i wneud i chi

Mae’r gronfa fenthyciadau wedi’i datblygu’n benodol i’ch helpu i fuddsoddi yn eich seilwaith adeiladu. Felly os ydych am ymestyn adeilad sy’n sefyll yn barod neu fuddsoddi mewn adeilad newydd, gallai’r fenter newydd hon fod yn berffaith i chi roi cychwyn ar eich prosiect. Ein gobaith yw y dylai’r gronfa symbylu mudiadau elusennol i greu cynghreiriau er mwyn cydweithio mewn canolfannau busnes cymunedol.

Y broses gyfreithiol a phrisio

Er mwyn symleiddio’r broses, rydym wedi ymuno ag un o gwmnïau proffesiynol mwyaf blaenllaw Cymru – Cyfreithwyr Harrison Clark a fydd ar gael i gynnig eu gwasanaethau am ffioedd ffafriol sefydlog*. Rhoddir y manylion llawn pan wneir cais. Mae croeso i chi, wrth gwrs, ddefnyddio ymgynghorwyr o’ch dewis chi.**

* I gael mwy o wybodaeth, cysylltwch â Harrison Clark yn uniongyrchol.

** Bydd gofyn i chi benodi’ch cyfreithiwr eich hun os ydych am brynu eiddo a/neu os oes angen cyngor cyfreithiol annibynnol arnoch.

Carl Sargeant, y Gweinidog Llywodraeth

Leol a Chymunedau

Mae’r gronfa newydd wedi cael cefnogaeth Llywodraeth Cymru. Ychwanegodd Carl Sargeant, y Gweinidog Llywodraeth Leol a Chymunedau:

Mae mudiadau’r trydydd sector yn ymateb i anghenion cymunedau Cymru ac yn darparu gwasanaethau cyhoeddus hanfodol sy’n cael eu defnyddio gan bobl ledled Cymru bob dydd.

Mae’n bleser gennyf weld y trydydd sector yn dod o hyd i ffyrdd newydd o ariannu ei waith. Mae’r arian sylweddol y bydd y cynllun newydd hwn yn ei ddarparu i fudiadau ledled Cymru yn dderbyniol iawn.”

Ochr yn ochr â’n cefnogaeth ein hunain ar gyfer y trydydd sector, bydd y gronfa hon yn cefnogi cynaliadwyedd ac yn diogelu gwasanaethau’r sector, heb sôn am roi hwb i economïau lleol ledled Cymru.”

Carl Sargeant, y Gweinidog Llywodraeth

Leol a Chymunedau

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