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Capital at risk
Capital at risk
Director guaranteed
You make
Minimum investment is £100
Total return
Monthly repayments

Phoenix Social Enterprise addresses Bristol's housing shortage with sustainable, affordable, and environmentally friendly social housing. We integrate comprehensive support services to help residents thrive, building on our history of providing employment, education, and training for disadvantaged youth. Our cost-effective, innovative approach uses recyclable materials, solar panels, and energy-saving mechanisms.

To provide good quality sustainable environmentally friendly social housing for vulnerable people in danger of homelessness

Phoenix Social Enterprise addresses Bristol's critical housing shortage by providing sustainable, affordable, and environmentally friendly social housing. Led by a director with extensive experience in housing and social enterprises, our organisation has a proven track record in delivering transformative community projects and empowering disadvantaged youth through employment, education, and training opportunities.

Our unique approach combines sustainability with comprehensive support services, ensuring residents have access to resources for personal and professional growth. We use recyclable materials, solar panels, and energy-saving technologies to minimize environmental impact and keep costs low. Operating primarily in Bristol, we collaborate with local organisations to tailor solutions to community needs, fostering a supportive and inclusive environment.

Recognized for our innovative and cost-effective housing solutions, we are committed to maintaining affordability despite inflationary pressures through sustainable practices. Our strong credit position enables us to invest in high-quality, energy-efficient materials and technologies. By investing in Phoenix Social Enterprise, you support a company dedicated to creating sustainable, supportive environments where everyone has the opportunity to thrive. Join us in driving positive change and promoting community well-being and environmental stewardship.

Credit commentary:
The directors Guy Bailey, Berdencia Williams and Anndeloris Chacon are providing a personal guarantee, which means should the business fail and have insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. Additionally, the business is offering a debenture to secure the repayment of the loan.There have been no CCJs for the business or director. Our assessment of risk is that there have been no CCJs for the business or director. The Equifax score and grade, which we use to assess risk, are based on the 2023 accounts. The company’s financial position is robust, with a total EBITDA of £358K in 2023 and £255K in 2022, sufficient to cover interest, existing debt payments, and the proposed facility. Turnover increased by 8% between 2023 and 2022, supported by consistent and positive cash flow as evidenced by recent bank statements. Tangible Net Worth rose to £324K in 2023, ensuring stability, and the Revaluation Reserve stands at £244K. The company exhibits financial stability with a net gearing of -9%. The bank statements show reasonable affordability, and the accounts are in good standing, with no negative balances.

Inflation Risk:
The company has stated that inflation will increase; however, their goal is to minimize costs by using recyclable building materials, solar panels, and other energy-saving mechanisms.


Business keeps the raised amount even if target is not met.
Loan - product type
£ 87k
£ 58k
Est close date
15d 10h

Where will the funds go?

Site/property valuation
3-5 year business plan
Pre-planning report
Technical specification survey
Architect drawing and adjustment
Full planning consent
Legal fees
Staff coordination and management

Key people

Berdencia Elizabeth Williams-Mclarty
Anndeloris Chacon
Guy Bailey

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Business brand

Bristol, UK

"To provide good quality sustainable environmentally friendly social housing for vulnerable people in danger of homelessness"

27 years, 3 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.