The Access Programme is provided by Access – The Foundation for Social Investment in collaboration with the Coventry and Warwickshire Co-operative Development Agency (CWCDA) and is administered by Coventry and Warwickshire Reinvestment Trust.

The Access Programme has been made available through the wider Cost of Living Fund which is provided nationwide by Social Investment Business (with support from Access – The Foundation for Social Investment) and is aimed at charities and social enterprises supporting people impacted by the cost-of-living crisis in the 30% most deprived areas of England.

Objectives of Fund

A combination of grants and loans are available to support charities and social enterprises in expanding their activities to meet rising demand from the cost-of-living crisis in the following areas of the West Midlands:

  • Coventry
  • Warwickshire
  • Birmingham
  • Solihull
  • Sandwell
  • Dudley
  • Wolverhampton
  • Walsall
  • Worcestershire
  • Staffordshire

Value Notes

The total fund value is £500,000.

Two types of funding are available:

  • Grants of between £5,000 and £7,500.
  • Blended finance payments (combined loan and grant) of between £20,000 to £40,000. Grants can make up to 50% of the total blended finance payment.

The repayment term for loans is 60 months and there is an arrangement fee of 5% of the loan value. The annual interest rate for loans is 9.75% (fixed).

 Who Can Apply

Grants and blended finance are available to social enterprises and charities based in specified areas of the West Midlands.

To be eligible, organisations must be seeking to diversify and root their service models in enterprise activity.

They must be providing one or more of the following critical services:

  • Food and emergency supplies (e.g., food and baby banks or the provision of hot meals, clothes, or toiletries).
  • Emergency shelter (e.g., night shelters or other accommodation for people experiencing homelessness).
  • Safe spaces (e.g., domestic abuse services and youth services).
  • Warmth – warm rooms and spaces.
  • Financial and housing advice – giving people advice because of the increased cost of living.


Coventry, Warwickshire, Birmingham, Solihull, Sandwell, Dudley, Wolverhampton, Walsall, Worcestershire and Staffordshire.

 Eligible Expenditure

Funding is unrestricted and can be used flexibly.

 How To Apply

No deadline for applications has been given.

Applicants should complete the Enquiry form on the Coventry and Warwickshire Reinvestment Trust website to initiate the application process.

Contact the Coventry and Warwickshire Reinvestment Trust for further information.

➡️ More Details

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