UR-GovFund

Community-Backed Local Government Financing
Empowering Local Communities Through Democratic Funding
£2.4B
Local Authority Funding Gap
343
UK Local Authorities
6 Months
Forward Funding Period

Transforming Local Government Finance

Current Challenges
  • Limited traditional funding sources for local projects
  • High borrowing costs from commercial lenders
  • Lengthy approval processes for essential infrastructure
  • Community assets sitting idle without leverage
  • Lack of public engagement in local development
  • Restricted project scope due to funding constraints
  • Delayed community improvements affecting quality of life
  • Limited job creation opportunities in local areas
UR-GovFund Solution
  • Direct community investment in local projects
  • Competitive interest rates below commercial lending
  • Streamlined approval through democratic platform
  • Property hedging enables asset utilization
  • Enhanced community involvement and ownership
  • Flexible project financing from £5K to £100K
  • Accelerated infrastructure and facility development
  • Local job creation through funded projects

Core Value Propositions

🏛️
Democratic Funding
Local councils can directly access community investment, enabling democratic participation in local development projects and infrastructure improvements.
🏠
Asset-Backed Security
Projects are backed by completed assets, providing security for investors while enabling councils to hedge existing property for immediate funding access.
📈
Local Economic Growth
Creates employment opportunities, improves living standards, and generates lasting economic benefits within the local community ecosystem.
💰
Investor Returns
Community investors earn competitive returns through interest payments or EMI structures while directly contributing to local improvements.
🔄
Flexible Repayment
Choose between interest-only payments during development or structured EMI plans, with final settlement upon project completion and asset realization.
🎯
Targeted Investment
Funding ranges from £5,000 to £100,000 per project, perfect for housing initiatives, leisure facilities, infrastructure, and community improvements.

How UR-GovFund Works

1
Council Registration
Local authority registers and sets credit limits and project parameters on the platform
2
Project Proposal
Submit detailed project plans with funding requirements up to 6 months in advance
3
Community Investment
Local residents invest in projects, potentially hedging property for monthly payment capability
4
Project Execution
Funds released for approved projects, with regular updates and transparency to investors
5
Asset Realization
Upon completion, projects are hedged with banks for full loan settlement and community benefit

Market Opportunity

UK local authorities face significant funding challenges with a £2.4 billion gap in infrastructure investment. UR-GovFund addresses this through community-backed financing, creating a new asset class while delivering tangible local improvements and economic growth.

343
UK Local Authorities
£85K
Average Project Size
5.2%
Target Investor Return

Project Categories & Applications

🏘️
Community Housing
Affordable housing projects, social housing developments, and housing association initiatives
🎪
Leisure Facilities
Community centers, sports facilities, parks, playgrounds, and recreational infrastructure
🛤️
Infrastructure
Road improvements, utilities, public transport infrastructure, and essential services
⚡
Facility Upgrades
Modernization of existing public facilities, energy efficiency improvements, and accessibility enhancements

Benefits for All Stakeholders

🏛️
Local Councils
Access to flexible funding, reduced borrowing costs, enhanced community engagement, and accelerated project delivery timelines
👥
Community Investors
Competitive returns on investment, direct impact on local improvements, property leverage opportunities, and community ownership
🌟
Local Economy
Job creation, increased property values, improved quality of life, and sustainable long-term economic development
Transform Your Community
UR-GovFund represents a revolutionary approach to local government financing, creating stronger communities through democratic investment and sustainable development.