HCT Group is a transport social enterprise, providing bus services, social services transport, school buses, minibuses and more across the UK.
Key information
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Focus area
Social lending -
Investment type
Enterprise debt -
Region
UK wide -
Duration
5 years -
Investment amount
£9.95 million -
Turnover
£45.5 million
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Challenge
Older people, disabled people and people who are long-term unemployed are more likely to experience loneliness and isolation, issues that are linked with around a 30% higher risk of early death. Many older people also experience difficulty accessing local services such as shops, the post office or day centre.
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Approach
HCT Group provides transport for vulnerable people to improve access to community groups, local facilities and services. Community-designed bus routes provide the opportunity to engage with the outside world, improving wellbeing and encouraging independent living.
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Revenue model
HCT Group operates commercial contracts in London, Bristol, Leeds, Wakefield, Jersey and Guernsey. These revenues enable them to provide community transport services and repay the loan.
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Impact
Over the last five years, HCT Group has provided 1.77 million passenger trips for community groups and disadvantaged people. They provided 2,540 qualifications for long-term unemployed people, found work for almost 400 unemployed people and created over 350 jobs.

Gemma Bourne
Managing Director- Talk to me about:
- Social and affordable housing
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Social lending
We want to see a social lending market that meets the needs of a diverse range of social purpose organisations and investors alike.
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Our approach
We work with expert partners to understand people’s needs first. Then, using our knowledge and capital, we collaborate and invest with fund managers who also want to create a better, sustainable future.
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Impact
Our approach to impact is deeply embedded in our investment process, decision making and portfolio management, making sure it runs through everything we do.