Invest to build a stronger community

FC Clacton


"This funding marks an exciting new chapter for us. It will allow us to secure our future and increase the impact that we can have. 

It represents a step change in the way we operate, going from hand to mouth each season to being able to plan for the future and broaden our work. 

We can provide much needed facilities to the area and increase the number of players we work with each week."

Stephen Andrews, FC Clacton Trustee

This offer is part of Triodos Bank's new series of community led investment offers. They give you the opportunity to support community organisations to re-build from the impact of the pandemic. These organisations are small, operate in local markets and are likely to have limited resilience to shocks. You should invest no more than you can afford to lose.

FC Clacton Community Society

FC Clacton Community Society (“FC Clacton”) is a football club based in Essex that is owned and run by its community. It has been part of the community for nearly 130 years – it was originally formed in 1892 and was incorporated into a community benefit society in 2016. 

The club prides itself on being an open and inclusive space, running girls’ and boys’ teams for every age group from under sevens through to seniors and veterans.

The bond offer

The capital raised from this bond offer will be used to complete improvement works at the ground including laying an artificial pitch and improving the floodlighting. The society can then bring all of the club’s teams together at the ground for training and matches, keeping income within the club rather than paying for facilities elsewhere. The improved modern LED floodlights will reduce energy use and upgrade an outdated system.

FC Clacton is based in one of the most deprived neighbourhoods in the country. The artificial pitch will provide much needed facilities in the local area.

Partnership with Crowdfunder to support community-led organisations

The capital raised through the bond is part of a funding package developed by Triodos Bank UK in partnership with Crowdfunder and Access – The Foundation for Social Investment. 

This pilot project brings together three types of capital – bonds, reward-based crowdfunding and grant – to offer an affordable, patient and flexible finance option for community-focused organisations. 

The blended funding package aims to create lasting change and build resilience in community groups as the UK emerges from Covid-19 with the intention to build back fairer, greener and stronger. Read more here.

IFISA eligible

FC Clacton bonds are eligible to be held in a Triodos Innovative Finance ISA (IFISA). The IFISA is a type of ISA that allows you to hold crowdfunded debt securities such as this bond. As with all ISAs, there are eligibility criteria and you receive interest tax-free. ISA eligibility does not guarantee returns or protect consumers from losing their money.

To invest in FC Clacton bonds through a Triodos IFISA, select the ‘Invest through IFISA’ option. This selection will add to your current year IFISA or will open a new IFISA if you haven’t previously opened one.

Transferring an existing ISA

If you want to invest by transferring an existing ISA to a Triodos IFISA you must first request the transfer. You can do this under ‘Account’ once you’ve become a registered user of the platform. 

Your ISA transfer must be completed first, before you make an application for bonds.

Key terms


FC Clacton Community Society (FC Clacton)

Target amount

£400,000, maximum of £415,000


10 years, repayment due on 31 May 2031 

Minimum investment



4% gross per year payable 31 May each year (paid net of UK basic rate tax unless held in an IFISA) commencing in 2022. Payment of interest and repayment of capital are not guaranteed. This is an investment into a small community led organisation. You should not invest more than you can afford to lose.

Capital repayment

The repayment profile is indicative only and these annual payments starting in 2023 are not a condition of the bond.

Early repayment

FC Clacton has the right to repay the bonds in part or in full annually.


The bonds are unsecured so bondholders will rank equally with FC Clacton’s other unsecured creditors and behind secured and preferential creditors on insolvency.


Bonds are transferable but are not listed on any investment exchange which means that bondholders will have to find a willing buyer and agree a purchase price with them, which in practice may not be easy. Investors should be prepared to hold the bonds for their full 10-year term.

Minimum raise

£400,000. If less than £400,000 is raised, monies will be returned to investors with no accrued interest.


Closes on 14 July 2021, unless fully subscribed earlier or offer is extended. Bonds are allotted 14 days after close and investors start to accrue interest from that date. 

Capital at risk - warning

Past performance is not an indication of future performance. Capital is at risk and returns are not guaranteed. Investors should read the offer document in full, including the risks section, before deciding whether to invest.

Please note that payment of interest and capital is not guaranteed. You should not invest more than you can afford to lose.
Invest to build a stronger community

Download the offer document by logging in or registering.

  • £124,294 of £400,000
  • 0 hour left
  • 31% raised
Minimum investment



10 years


4% per year

Tax relief

IFISA eligible

Offer Closed