{"id":10118,"date":"2026-01-15T12:28:03","date_gmt":"2026-01-15T12:28:03","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=10118"},"modified":"2026-02-13T12:29:17","modified_gmt":"2026-02-13T12:29:17","slug":"what-is-a-cdfi-uk","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/what-is-a-cdfi-uk\/","title":{"rendered":"Beth yw Sefydliad Ariannol Datblygu Cymunedol (CDFI)?"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Mae r\u00f4l benthycwyr sy&#039;n canolbwyntio&#039;n lleol ac sy&#039;n cael eu gyrru gan genhadaeth fel Sefydliadau Ariannol Datblygu Cymunedol (CDFIs) yn tyfu wrth i fusnesau rhanbarthol wynebu mynediad tynnach at gredyd traddodiadol. Mae CDFIs yn dod yn rhan allweddol o&#039;r ffordd y mae busnesau bach yn cael cyllid, nid dim ond opsiwn niche i ychydig. Yn \u00f4l data 2024 gan Responsible Finance, benthycodd CDFIs bron i\u00a0<\/span><a href=\"https:\/\/responsiblefinance.org.uk\/policy-research\/impactreport\/\"><span data-contrast=\"none\">\u00a3323 miliwn<\/span><\/a><span data-contrast=\"none\">\u00a0i fusnesau, mentrau cymdeithasol ac unigolion yn y DU.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Yn yr erthygl hon, byddwch yn darganfod beth yw CDFIs, pam eu bod yn bodoli, a&#039;r manteision sydd ganddynt i fusnesau bach a chanolig yn y DU fel opsiynau ariannu amgen.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h4>Pwyntiau Allweddol<\/h4>\n<ul>\n<li>Mae CDFIs yn fenthycwyr sy&#039;n cael eu gyrru gan genhadaeth ac sy&#039;n darparu cyllid sy&#039;n seiliedig ar berthnasoedd i fusnesau bach a chanolig hyfyw sy&#039;n cael trafferth cael mynediad at gyllid banc traddodiadol.<\/li>\n<li>Mae CDFIs yn bodoli i lenwi bwlch ariannu, a gr\u00ebwyd gan fenthycwyr prif ffrwd, i gefnogi busnesau a allai brofi gwrthodiad gan fanciau neu sgoriau credyd anhyblyg.<\/li>\n<li>Er y gall cyllid CDFI gynnig asesiadau hyblyg, benthyciadau llai a chymorth wedi&#039;i deilwra ar gyfer busnesau bach a chanolig, gall hefyd olygu costau uwch ac amseroedd penderfynu hirach.<\/li>\n<\/ul>\n<h2 aria-level=\"2\">Beth yw Sefydliad Ariannol Datblygu Cymunedol?<\/h2>\n<p><span data-contrast=\"none\">Mae Sefydliad Ariannol Datblygu Cymunedol (CDFI) fel arfer yn fenthyciwr dielw neu genhadaeth-gyrrir sy&#039;n darparu cyllid i fusnesau ac unigolion sy&#039;n cael trafferth cael mynediad at fenthyciadau banc traddodiadol. Mae Banc Busnes Prydain yn diffinio CDFIs fel darparwyr cyllid sy&#039;n mabwysiadu dull sy&#039;n seiliedig ar berthynas. Mae hyn yn golygu nad ydyn nhw&#039;n edrych ar rifau ar adroddiad credyd yn unig, maen nhw&#039;n dod i adnabod eich busnes ac yn gwneud penderfyniadau gyda chyffyrddiad dynol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Bydd t\u00eem, neu o leiaf un person, yn adolygu ac yn asesu eich cais am fenthyciad, gan ddarparu cefnogaeth lle bo&#039;n briodol ar draws eich cynllun busnes a&#039;ch cais am gyllid. Byddant hefyd yn:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Deall y cyd-destun o amgylch y farchnad rydych chi&#039;n gweithredu ynddi<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Peidio \u00e2 dibynnu ar sgoriau credyd a chymryd dull mwy hyblyg o ran perfformiad eich busnes<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cymerwch amser i ddeall unrhyw bwysau ariannol y gallech fod wedi&#039;u hwynebu<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3 aria-level=\"3\">Pam mae CDFIs yn bodoli?<\/h3>\n<p><span data-contrast=\"none\">Mae CDFIs yn bodoli oherwydd bod benthycwyr traddodiadol, fel banciau stryd fawr, wedi tynnu cyllid busnesau bach a chanolig yn \u00f4l yn ystod y blynyddoedd diwethaf, hyd yn oed wrth i&#039;r galw am gyfalaf dyfu, gan adael busnesau hyfyw heb opsiynau. Mae ymchwil a gefnogir gan y llywodraeth yn dangos bod tua 15% o fusnesau bach yn y DU yn dweud bod mynediad at gyllid yn rhwystr i dwf, gyda thua\u00a0<\/span><a href=\"https:\/\/committees.parliament.uk\/writtenevidence\/124106\/html\/#_ftn3\"><span data-contrast=\"none\">195,000<\/span><\/a><span data-contrast=\"none\">\u00a0Mae busnesau bach a chanolig bob blwyddyn yn wynebu anghenion ariannu heb eu diwallu. Mae hyn yn golygu dim ond tua\u00a0<\/span><a href=\"https:\/\/committees.parliament.uk\/writtenevidence\/124106\/html\/#_ftn3\"><span data-contrast=\"none\">25-30%<\/span><\/a><span data-contrast=\"none\">\u00a0mae anghenion cyllido busnesau bach a chanolig llai yn cael eu diwallu.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Dyma&#039;r bwlch y mae Sefydliadau Cyllid a Chyllid (CDFIs) yn bodoli i&#039;w lenwi. Maent yn cefnogi busnesau bach a chanolig a phobl hunangyflogedig sy&#039;n hyfyw yn fasnachol ond sy&#039;n cael eu hanwybyddu neu eu gwrthod gan gyllid prif ffrwd.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\">Beth yw defnydd CDFIs ar ei gyfer?<\/h3>\n<p><span data-contrast=\"none\">Mae Sefydliadau Ariannol Datblygu Cymunedol yn darparu mynediad at gyllid lle nad yw benthycwyr traddodiadol yn gallu neu&#039;n amharod i fenthyca. Yn aml, mae Sefydliadau Ariannol Datblygu Cymunedol yn cefnogi benthyciadau busnes llai, fel arfer rhwng \u00a31,000 a \u00a3250,000, lle mae banciau stryd fawr yn aml yn ei chael hi&#039;n anodd asesu risg yn gost-effeithiol. Mae benthyciadau llai yn ddelfrydol ar gyfer masnachwyr unigol, neu siopau a gweithgynhyrchwyr llai a allai fod yn gymwys ar gyfer benthyciadau banc mwy.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">I lawer o fusnesau bach a chanolig, fel masnachwyr unigol a chyflogwyr llai, mae gwrthodiadau awtomatig yn aml yn cael eu cyflwyno cyn i adolygiad dynol hyd yn oed ddigwydd oherwydd arferion anhyblyg fel asesu sgoriau credyd yn unig a hanesion masnachu byrrach.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae benthycwyr arbenigol fel CDFIs yn llenwi&#039;r bwlch hwn drwy gynnig asesiadau mwy hyblyg a realistig o redeg busnes bach. Yn hytrach nag un maen prawf sy&#039;n addas i bawb, maen nhw&#039;n edrych ar a allwch chi fforddio&#039;r benthyciad a sefyllfa eich busnes yn realistig, gan helpu busnesau bach a chanolig i gael mynediad at gyllid ar gyfer:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Buddsoddiadau twf ar gyfer offer, cerbydau neu siopau newydd neu wedi&#039;u disodli<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Helpu busnesau i ymdopi ag anghenion ariannol o ddydd i ddydd, yn enwedig yn ystod cyfnodau prysur neu araf<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Adferiad busnes yn dilyn aflonyddwch neu gostau annisgwyl<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Ochr yn ochr \u00e2 chyllid, mae llawer o Sefydliadau Benthyca Awtomataidd (CDFIs) yn cynnig canllawiau i helpu eich busnes i gryfhau eich sefyllfa ariannol dros amser. Mae&#039;n anodd efelychu&#039;r math hwn o gefnogaeth drwy systemau benthyca awtomataidd yn unig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\">Sut mae CDFIs yn wahanol i fanciau a benthycwyr traddodiadol eraill?<\/h3>\n<p><span data-contrast=\"none\">Mae CDFIs yn wahanol i fanciau a benthycwyr traddodiadol trwy fabwysiadu dull benthyca sy&#039;n seiliedig ar berthynas, yn hytrach na dibynnu ar sgorio credyd awtomataidd a throthwyon anhyblyg.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae tystiolaeth a gyflwynwyd i Senedd y DU yn dangos bod bron pob un (99%) o fenthycwyr busnesau bach a chanolig CDFI wedi cael eu gwrthod gan fanciau, ond mae tua 90% yn mynd ymlaen i ad-dalu&#039;n llwyddiannus a thyfu eu busnesau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Lle mae banciau&#039;n aml yn blaenoriaethu asedau caled a modelau risg safonol, mae CDFIs yn ystyried ystod ehangach o ffactorau, gan gynnwys:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Edrych ar a yw arian yn dod i mewn ac yn mynd allan o&#039;ch busnes yn rheolaidd, nid elw&#039;r llynedd yn unig<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Pwrpas ac effaith y benthyciad<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">A oes gan berchennog y busnes y sgiliau a&#039;r cynlluniau i gadw&#039;r busnes i redeg yn llwyddiannus<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Amodau&#039;r farchnad leol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">A all y busnes adlamu ar \u00f4l heriau neu broblemau annisgwyl<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Mae hyn yn caniat\u00e1u i Sefydliadau Cyllid a Thollau (CDFIs) gefnogi busnesau sydd y tu allan i feini prawf benthyca traddodiadol banciau tra&#039;n parhau i fod yn gyfrifol ac yn strwythuredig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\">Beth yw manteision a risgiau cyllid CDFI i fusnesau bach a chanolig?<\/h2>\n<p><span data-contrast=\"none\">Mae cyllid CDFI yn cynnig dewisiadau amgen gwerthfawr i fusnesau bach a chanolig sy&#039;n cael trafferth cael mynediad at fenthyciadau banc traddodiadol, ond efallai nad dyma&#039;r ateb cywir i bob busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:240,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<table class=\"aligncenter\" data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1184\" aria-rowcount=\"6\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"69905\"><b><span data-contrast=\"none\">Manteision<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"69905\"><b><span data-contrast=\"none\">Risgiau a Chyfyngiadau<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Mynediad at gyllid lle na all banciau helpu.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Mae benthyca yn dal i gario risg, fel gydag unrhyw fath o fenthyciad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Caiff ceisiadau eu hadolygu gan weithwyr proffesiynol benthyca ar gyfer asesiad sy&#039;n seiliedig ar berthynas.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Gall cyfraddau fod yn uwch na banciau oherwydd bod benthyciadau llai yn costio mwy i&#039;w rheoli a chael cymorth mwy personol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Mae meintiau benthyciadau llai yn hyfyw, sydd fel arfer yn cael eu tanwasanaethu gan fanciau stryd fawr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Dim ond yr hyn sydd ganddyn nhw y gall CDFIs ei fenthyca, sy&#039;n dibynnu ar gefnogaeth y llywodraeth, rhoddion neu fuddsoddwyr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"5\">\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Mae CDFIs yn cefnogi&#039;n weithredol\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/Impact-Report-September-2025-Final.pdf\"><span data-contrast=\"none\">busnesau mewn ardaloedd difreintiedig<\/span><\/a><span data-contrast=\"none\">\u00a0a&#039;r rhai a arweinir gan sylfaenwyr heb gynrychiolaeth ddigonol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Efallai na fydd benthyciadau CDFI yn addas i bob model busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"6\">\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Cymorth a gynigir y tu hwnt i gyfalaf trwy arweiniad dynol wedi&#039;i deilwra.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\"><span data-contrast=\"none\">Gall penderfyniadau gymryd ychydig yn hirach gan fod person yn adolygu eich cais yn ofalus yn hytrach na system awtomatig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-contrast=\"none\"><br \/>\nGall deall manteision a chyfyngiadau cyllid CDFI helpu perchnogion busnesau i benderfynu a yw&#039;n llwybr cywir ar gyfer eu sefyllfa.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\">Enghreifftiau o CDFI ar waith<\/h3>\n<p><span data-contrast=\"none\">Dyma sut mae rhai busnesau wedi defnyddio cyllid CDFI\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/funding-stories\/\"><span data-contrast=\"none\">drwy BCRS<\/span><\/a><span data-contrast=\"none\">:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<table class=\"aligncenter\" data-tablestyle=\"MsoTableGrid\" data-tablelook=\"1696\" aria-rowcount=\"4\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"0\"><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"65536\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/cold-rolled-steel-specialist-secures-50000-from-the-midlands-engine-investment-fund-ii-to-drive-growth\/\"><b><span data-contrast=\"none\">Adrannau Rholio Oer Midland (MCRS)<\/span><\/b><\/a><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/td>\n<td data-celllook=\"65536\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/expansion-is-on-the-cards-at-be-business-fit-ltd-as-it-secures-growth-funding-from-bcrs-business-loans\/\"><b><span data-contrast=\"none\">Byddwch yn Addas i Fusnes<\/span><\/b><\/a><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/td>\n<td data-celllook=\"65536\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/dragons-den-entrepreneurs-secure-100000-to-support-major-supermarket-win\/\"><b><span data-contrast=\"none\">Lumberjaxe<\/span><\/b><\/a><span data-ccp-props=\"{&quot;335551550&quot;:2,&quot;335551620&quot;:2}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"65536\"><span data-contrast=\"auto\">Swm a fenthycwyd<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">\u00a350,000<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\">\n<p><span data-contrast=\"auto\">\u00a325,000<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">\u00a3100,000<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"65536\"><span data-contrast=\"auto\">Swyddi wedi&#039;u diogelu<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">11<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">1<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">2<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td data-celllook=\"65536\">\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Diben<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Prynu offer newydd ac ehangu gweithrediadau<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Recriwtio a chyflawni ei strategaeth i ehangu&#039;r busnes yn gynaliadwy<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<td data-celllook=\"0\"><span data-contrast=\"auto\">Cefnogi contract mawr gyda&#039;r archfarchnad fawr Aldi<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3 aria-level=\"2\">Sut mae BCRS yn cefnogi busnesau drwy gyllid CDFI<\/h3>\n<p><span data-contrast=\"none\">Fel Sefydliad Ariannol Datblygu Cymunedol, mae Benthyciadau Busnes BCRS yn cefnogi busnesau bach a chanolig ledled Gorllewin Canolbarth Lloegr a Chymru, gan ddarparu\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/loan-process\/\"><span data-contrast=\"none\">benthyciadau busnes<\/span><\/a><span data-contrast=\"none\">\u00a0lle nad oedd benthycwyr traddodiadol o bosibl yn gallu helpu. Yn ei hanes 23 mlynedd,\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/09\/Impact-Report-September-2025-Final.pdf\"><span data-contrast=\"none\">dros \u00a3100 miliwn<\/span><\/a><span data-contrast=\"none\">\u00a0wedi cael ei fenthyca i dros 1,500 o fusnesau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae BCRS yn cynnig benthyciadau rhwng \u00a310,000 a \u00a3250,000, gyda phob cais yn cael ei asesu gan reolwyr benthyca profiadol sy&#039;n cymryd yr amser i ddeall y busnes a&#039;i anghenion ariannu. Mae&#039;n darparu cyllid trwy ystod o fentrau ar draws y\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/areas-we-cover\/\"><span data-contrast=\"none\">Gorllewin Canolbarth Lloegr a Chymru<\/span><\/a><span data-contrast=\"none\">, gan gynnwys:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"none\">Cronfa Buddsoddi Injans Canolbarth Lloegr II (MEIF II)<\/span><\/b><span data-contrast=\"none\">Benthyciadau o \u00a325,000 i \u00a3100,000 ar gyfer busnesau bach a chanolig sydd wedi&#039;u lleoli yng Ngorllewin Canolbarth Lloegr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cronfa Buddsoddi Cymru (IFW)<\/span><\/b><span data-contrast=\"none\">Benthyciadau o \u00a325,000 i \u00a3100,000 ar gyfer busnesau bach a chanolig ledled Cymru.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cyfleuster Menter Buddsoddi Cymunedol (CIEF)<\/span><\/b><span data-contrast=\"none\">Benthyciadau o \u00a310,000 i \u00a3250,000 i fentrau cymdeithasol ac elusennau yng Ngorllewin Canolbarth Lloegr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Gyda ffocws rhanbarthol a &#039;\u2018<\/span><a href=\"https:\/\/uk.trustpilot.com\/review\/bcrs.org.uk\"><span data-contrast=\"none\">Ardderchog<\/span><\/a><span data-contrast=\"none\">\u2019&#039; Sg\u00f4r Trustpilot, mae BCRS yn gweithio&#039;n agos gydag unig fasnachwyr a busnesau bach i sicrhau bod penderfyniadau ariannu yn cefnogi gwydnwch a llwyddiant hirdymor.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h4 aria-level=\"3\">Eisiau gwybod a ydych chi&#039;n gymwys ar gyfer cyllid CDFI?<\/h4>\n<p><span data-contrast=\"none\">Darganfyddwch a allai eich busnes fod yn gymwys ar gyfer benthyciad CDFI gyda BCRS. Anfonwch ymholiad at ein t\u00eem yn\u00a0<\/span><a href=\"mailto:enquiries@bcrs.org.uk\"><span data-contrast=\"none\">enquiries@bcrs.org.uk<\/span><\/a><span data-contrast=\"none\">, neu ffoniwch heddiw ar\u00a0<\/span><span data-contrast=\"none\">0345 313 8410<\/span><span data-contrast=\"none\">.\u00a0<\/span><span data-contrast=\"none\">Allwn ni ddim aros i drafod potensial eich busnes.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>Cwestiynau Cyffredin<\/h3>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_default vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h4 style=\"color: #d6224f;text-align: left;font-family:Montserrat;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading us_custom_cda6f729\" >Beth yw pwrpas Sefydliadau Ariannol Datblygu Cymunedol (CDFIs)? <\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW59448072 BCX0\"><span class=\"NormalTextRun SCXW59448072 BCX0\">Mae CDFIs yn darparu cyllid i fusnesau bach a chanolig, cymdeithasol<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW59448072 BCX0\">mentrau<\/span><span class=\"NormalTextRun SCXW59448072 BCX0\"><span>\u00a0<\/span>ac unigolion, yn aml mewn ardaloedd heb lawer o wasanaeth, sy&#039;n cael trafferth cael mynediad at gyllid banc traddodiadol.<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW59448072 BCX0\">Maen nhw<\/span><span class=\"NormalTextRun SCXW59448072 BCX0\"><span>\u00a0<\/span>a ddefnyddir yn gyffredin ar gyfer twf busnes, cefnogaeth llif arian, busnes<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW59448072 BCX0\">adferiad<\/span><span class=\"NormalTextRun SCXW59448072 BCX0\"><span>\u00a0<\/span>neu gaffaeliad.<\/span><\/span><span class=\"EOP SCXW59448072 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_default vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h4 style=\"color: #d6224f;text-align: left;font-family:Montserrat;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading us_custom_cda6f729\" >A yw cyllid CDFI yn addas ar gyfer fy musnes? <\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW128656250 BCX0\"><span class=\"NormalTextRun SCXW128656250 BCX0\">Gallai cyllid CDFI fod yn addas os yw eich busnes yn<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW128656250 BCX0\">hyfyw<\/span><span class=\"NormalTextRun SCXW128656250 BCX0\"><span>\u00a0<\/span>ond mae wedi cael trafferth cael mynediad at fenthyciadau banc oherwydd hanes credyd, asedau cyfyngedig, benthyciad llai<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW128656250 BCX0\">gofynion<\/span><span class=\"NormalTextRun SCXW128656250 BCX0\"><span>\u00a0<\/span>neu aflonyddwch diweddar.\u00a0<\/span><\/span><span class=\"EOP SCXW128656250 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><form class=\"w-form  layout_ver for_cform us_form_1\" autocomplete=\"off\" action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10118\" method=\"post\" data-trp-original-action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10118\"><div class=\"w-form-h\"><div class=\"w-form-row for_text required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich Enw\" type=\"text\" name=\"us_form_1_text_1\" value placeholder=\"Eich Enw *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_email required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich E-bost\" type=\"email\" name=\"us_form_1_email_1\" value placeholder=\"Eich E-bost *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Rhowch e-bost dilys.<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_textarea required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<textarea aria-label=\"Eich ymholiad cyffredinol, yma.\" name=\"us_form_1_textarea_1\" placeholder=\"Eich ymholiad cyffredinol, yma. *\" data-required=\"true\" aria-required=\"true\"><\/textarea>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"action\" value=\"us_ajax_cform\" \/>\r\n<input type=\"hidden\" name=\"post_id\" value=\"0\" \/>\r\n<input type=\"hidden\" name=\"form_index\" value=\"1\" \/>\r\n<div class=\"w-form-row for_submit align_none\">\r\n\t<button class=\"w-btn  us-btn-style_1\" aria-label=\"Cyflwyno\" type=\"submit\">\r\n\t\t<span class=\"g-preloader type_1\"><\/span>\r\n\t\t\t\t<span class=\"w-btn-label\">Cyflwyno<\/span>\r\n\t\t\t<\/button>\r\n\t<\/div>\r\n<\/div><div class=\"w-form-message\"><\/div><div class=\"w-form-json hidden\" onclick='return {&quot;ajaxurl&quot;:&quot;https:\\\/\\\/bcrs.org.uk\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;messages&quot;:{&quot;err_empty&quot;:&quot;Fill out this field&quot;,&quot;err_size&quot;:&quot;File size cannot exceed %s MB&quot;,&quot;err_extension&quot;:&quot;%s file type is not allowed&quot;}}'><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"cy\"\/><\/form><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"The role of locally focused and mission-driven lenders like Community Development Financial Institutions (CDFIs) is growing as regional businesses face tighter access to traditional credit. CDFIs are becoming a key part of the way small businesses get funding, not just a niche\u00a0option\u00a0for a few. According to 2024 data from Responsible Finance, CDFIs lent nearly\u00a0\u00a3323 million\u00a0to...","protected":false},"author":22,"featured_media":10119,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[150,674],"class_list":["post-10118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-cdfi","tag-community-development-financial-institution"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a Community Development Financial Institution (CDFI)?<\/title>\n<meta name=\"description\" content=\"Did you know that CDFIs are an alternative funding source for SMEs in the UK? 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