Business loans

Raise a loan for your sustainable project

Access an alternative source of debt funding and reach a community of investors looking for real-world impact.

How it works

Many investors, one structured campaign

You define what you need to finance and we work with you on a repayment schedule that fits. We assess feasibility, structure the loan, and launch the campaign. If successful, you receive the funds and repay investors over time, in line with the loan terms.

Overview

Why a loan and where Goparity fits in

A source of debt, built for project financing

When you have a clear project, a defined use of funds, and a repayment plan grounded in real cash generation, a loan is the right tool. Goparity gives you access to debt funding outside of traditional banking, without replacing your existing relationships.

Where Goparity fits in your financing mix

Organisations come to Goparity when they want to diversify their funding sources and raise with an audience that understands impact. Beyond the capital, a successful campaign builds credibility and visibility with a community of individual and corporate investors who follow real progress.

How to get funding, in practice

Two men greeting warmly with smiles and a handshake in an indoor setting.

The funding process, step by step

1. You define what you need to finance, and we work with you on a repayment schedule that fits

2. We assess feasibility, verify impact alignment, and structure the loan

3. We launch the campaign, and you actively promote it within your network alongside the Goparity community

4. If the campaign is successful, you receive the funds and put them to work

5. You repay investors over time, in line with the loan terms

Use of funds and impact fit

At Goparity, impact is part of what makes a company eligible to raise through the platform. That means demonstrating it before your campaign and reporting on it consistently after. We work across the categories below.

Two workers in blue uniforms and yellow helmets pointing near a mounted solar panel in a sandy yard.
Sustainable energy
Clean generation, energy efficiency, storage, and wider access to affordable energy
Hands gently holding a small collection of wet seashells of varying colours and patterns.
Blue economy
Protecting and restoring oceans, sustainable fisheries and aquaculture, and better marine resource management
Children sitting at a wooden desk using desktop computers with keyboards and mice in a classroom.
Social economy
Projects that improve lives directly, from education and jobs to health, community services, and affordable housing
Aerial view of farmland with green fields, patches of water, and a forest area in the distance.
Agrifood systems
Regenerative farming, sustainable food production, and stronger, lower impact supply chains
Two outdoor recycling bins labelled for glass and mixed recycling, surrounded by greenery.
Green
economy
Circularity and waste, water and sanitation, sustainable transport, green buildings, and cleaner industry

FAQs

Use the simulator to get an instant quote and explore scenarios. 

What are the requirements to raise a loan through the platform?

Your project needs a clear use of funds, predictable revenues or contracted cash flows, and a repayment plan grounded in real cash generation. It must also fall within one of Goparity's impact categories: sustainable energy, blue economy, agrifood systems, green economy, or social economy.

What documents do you need to apply?

We'll need your financial statements from the past two years (balance sheet and profit and loss), interim financials from the current year, a business plan with financial forecasts for the next three years, and your organisation's fiscal identification number and legal name. Any additional documents that support the purpose of the loan are also helpful.

How does the funding process work?

You start with a loan simulation to get an instant quote. We then assess feasibility, verify impact alignment, and deliver a tailored proposal. If you proceed, we structure the loan and launch the campaign. Once the target is reached, the funds are disbursed and you begin repaying investors in line with the agreed terms.

What happens if the campaign doesn't reach its target?

If the campaign deadline passes without reaching its goal, you have a few options: extend the campaign, bring in complementary financing to meet the original objective, or cancel the campaign and return funds to investors. In the first two scenarios, investors are notified and have the right to withdraw. We work with you to find a solution that avoids cancellation wherever possible.

Ready to see what your loan could look like?

Use the simulator to get an instant quote and explore scenarios. 

Benefits

The community behind
your funding

Goparity isn’t just a marketplace. It’s a community of investors who care about two things at once: impact and disciplined finance. They expect transparency, clear use of funds, and credible execution. In return, you gain a funding route that can complement traditional banks, expand your visibility, and build long term trust with stakeholders.

A clear and credible story for your investors

Alignment between your goals and your funding

A funding experience built around real projects

Investing in equity
with Goparity

Your return comes from company growth

When you invest in equity, you buy shares in a company. If the company grows and a liquidity event occurs, such as an acquisition or a secondary sale, you may sell your shares at a higher valuation than you paid.

Your capital backs real impact companies

Every company raising through the platform is assessed for financial and impact potential. Before you commit, you can read what the company does, what the round terms are, and what outcomes your investment supports.

You invest alongside a lead investor

Goparity only lists equity campaigns where a lead investor has already committed and defined the round terms. You join a structured, vetted round on terms someone else has already validated.