This document discusses Charity Bank, a not-for-profit bank that lends exclusively to charities, voluntary organizations, and social enterprises. It outlines key factors Charity Bank considers when evaluating proposals for social lending, including viability, sustainability, and social impact of projects. It describes how Charity Bank assesses proposals based on the organization's history, governance, finances, project details, repayment plan, security, and expected social impact. The document also notes trends in the growing social investment market, including more sources of funding and support for social organizations, but competition remains tough for early-stage startups.