Our Impact

Since our inception in 2002, social and economic impact has been at the heart of everything we do. Many things have changed since then, but our commitment to impact remains.

Small businesses are the backbone of our economy and a force for social good. Improving access to finance not only supports business growth but also strengthens the local community, safeguarding and creating jobs, and helping the region grow.

In our mission that no viable business should go unsupported, we help businesses reach their full potential, but the funds we provide are only part of the story.

Download a copy of our latest social impact report to see more of the work we are doing and hear from some of the businesses we’ve helped.

Impact in Numbers

In the financial year ending March 2022, BCRS achieved the following:


Amount lent


Businesses Supported


Additional value generated for every £1 lent


Jobs safeguarded


Jobs created


Value added to the West
Midlands and environs economy

Proud to Support UN Sustainable Development Goals

The United Nations Sustainable Development Goals act as a blueprint to achieve a bright future for us all. Whilst BCRS is unable to fulfil all goals due to retaining a focus on finance, here are some of the ways we are proud to support the sustainable development goals:

End poverty in all its forms everywhere

BCRS is committed to lending into the most deprived areas of the UK, which accounted for 44% of our lending last financial year. Providing funding to support the growth of SMEs enables BCRS to facilitate job creation and improve job security, which is essential in reducing poverty.

Achieve gender equality and empower all women and children.

BCRS believe in championing female-led business and empowering women to be successful business leaders. BCRS do this by providing the finance they need to succeed, raising awareness amongst our social media community and practicing what we preach in our own team. 16% of our funding went to female-led businesses.

Access to affordable, reliable, sustainable, and modern energy for all

As a Co-operative ourselves, BCRS is passionate about supporting co-operative sustainable energy projects. Offering a scheme whereby BCRS invests £1,000 of withdrawable share capital in such organisations.

Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all.

Financial exclusion continues to create significant barriers to growth and long-term prosperity in communities across the UK. Funding from BCRS is a key enabler of sustainable economic development, recognising how important SMEs are in supporting economic prosperity and meaningful employment.

Build resilient infrastructure, promote inclusive and sustainable industrialisation, consumption and production, and foster innovation.

By delivering affordable business loans, BCRS is proud to be enable small businesses to invest in long term strategies that foster innovation and embed more efficient consumption and production techniques. Funding from BCRS gives the people with the ideas the means to innovate and grow.

Reduce inequality within and among countries.

BCRS is a fund manager for regional funds such as the Midlands Engine Investment Fund (MEIF) and Community Investment Enterprise Facility (CIEF), which have been established to address the regional access to finance imbalances in the UK and achieve the government’s Levelling Up agenda.

Funding stories

Hear more about the people behind the numbers. Read our funding stories below to see some of the businesses we’ve helped.