COMPANY REGISTRATION NUMBER: 11177569
CHARITY REGISTRATION NUMBER: 1179132
Lending Hope Limited
Company Limited by Guarantee
Unaudited Financial Statements
31 January 2023
BRINDLEY GOLDSTEIN LIMITED
Chartered accountsnts
103 High Street
Waltham Cross
Herts
EN8 7AN

Lending Hope Limited
Company Limited by Guarantee
Financial Statsments
Year ended 31 January 2023
Page
Trustees, annual report (incorporating the director's report}
Independent examiner's report to the trustees
Statement of financial activities (including income and
expenditure account)
Statement of financial position
Statement of cash flows
Notes to the financial statements

Lending Hope Limited
Company Limited by Guarantso
Trusteos, Annual Raport (Incorporating the Directorfs Report)
Year ended 31 January 2023
The Iruslees, who are also the directors for the purposes of company law, present their report and the
unaudited financial statements of the Gharity for the year ended 31 January 2023.
Ref•r•nee •nd administratlve details
Registered ¢harity narne
Lending Hope Limited
Charlty registration number
1179132
Company r•gistration numb•r 11177569
Prin¢ipal oifice and regist•red 67 Forburg Road
office
London
N16 6HR
England
Th• trust••s
Mr N. Kahan
Mr H. Barminka
Mr B. Schwartz
Indep•nd•nt examlner
Charles Goldstein FCA
103 High Street
Waltham Cross
Herts
EN8 7AN
Structure, governance and rnAnag•m•nt
The charity is constituted under a trust deed dated 19 February 2018. It is a registered charity, number
1179132, Recruitment and appointment of new Irustegs woukd be in line with the Mernorandum and
Articles of Association and with the ¢onsenl of the trustees.
The criteria set for the suitable candidate would be sorneone who is sensitive to the needs and
demands of the organisalion. All major decisions are taken collectively by the trustees and all the
trustees give of their time freely. The Iruslees are unpaid and details of any related party transactions
are disclosed as applicable in the notes lo the accounts. The arrangements for setting the pay of the
charity's employees are the sole domain of the trustees.

Lending Hope Limited
Company Limitsd by Guarantee
Trustses, Annual Report (Incorporating the Director's Report) (eontlnued)
Year •ndod 31 January 2023
Obj•¢tiv•s and activiti•s
The charity's objectNes are the following..
to promote the education, including social and physical training, of people with special needs under
the age of 25 years in the United Kingdom in such ways as the charity Iruslees see fit. including by..
awarding such persons scholarships, maintenance alloWan￿S or grants tenable al any school,
university, college or institution of higher education,. providing their education, including the study of
music or other arts, to undertake travel in furtherance of that education or to prepare forv entry to any
occupation, trade or profession on leaving any educational establishment.
the advancement of education.
the relief of poverty.
the advancement of such other objects as we are for the benefit of the public and are charitsble
according to the laws of England and Wales.
R•seNes policy
The charity retains reserves lo ensure rt has sufficient funds to meet immediate and anticipated
adminislralive costs.
small company provisions
This rewrt has been prepared in accordance with the provisions applicable lo companies entitled lo
the small companies exemption.
The trustees, annual report was approved on 18 July 2024 and signed on behalf of the board of
trustees by..
r H. Barrninka
Trustee

Lending Hope Limited
Company Limitsd by Guarantse
Independènt Examiner's Report to the Trusts•s of Lending Hopo Limited
Year ended 31 January 2023
I report to the Iruslees on my examination of the financial statements of Lending Hope Limited I'the
charity'l for the year ended 31 January 2023.
R•sponsibiliti¢s and basls ol report
As the Iruslees of the company land also ils directors for the purposes of company 18wI you are
ressxjnsible for the preparation of the financial slalements in accordance with the requirements of the
Companies Act 20061'lhe 2006 Act'l.
Having satisfied myself that the accounts of the company are not required to be audited under Part 16
ot the 2006 Act and are eligible for independent examination, I report in respect of my examination of
the charity's accounts as carried out under section 145 of the Charities Act 2011 I'lhe 2011 Act'l. In
carrying out my examination I have followed the Directions given by the Charity Commission under
sectson 14515}Ibl of the 2011 Act.
Indep•nd•nt •xamln•r's Statement
sin￿ the charity's gross income exceeded £250,000 your examiner musl be a member of a body
listed in section 145 of the 2011 Act. I confirm that l am qualified lo undertake the examination
because l am a member of the Institute of Chartered Accountants in England and Wales IICAEW).
which is one of the listed bodies.
I have completed my examination. I confirm that no matters have come lo my attention in connection
with the examination giving me cause to believe..
awounting records were not kept in respect of the charity as required by sectson 386 of the
20(￿ Act., or
the financial slalemenls do not accord with those records.. or
the financial statements do not comply with the accounting requirements of section 396 of
the 2006 Act other than any requirement that the accounts give a 'lrue and fair. view which
is not a matter considered as part of an independent oxaminalion,. or
the financial statements have not been prepared in accordance with the methods and
principles of the Statement of Recommended Practice for accounting and reporting by
charities applicable lo charities preparing their accounts in accordan￿ with the Financial
Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021.

Lending Hope Limited
Company Limitsd by Guarantso
Independent Examiner's Report to the Trustses of Lending Hopg Limited
(eontlnu¢d)
Year ended 31 January 2023
I have no concerns and have come across no other matters in connection with the examination to
which attention should be drawn in this report in order lo enable a proper understanding of the
accounts lo be reached.
Chades Goldstein FCA
Independent Examiner
103 High Street
Wallham Cross
Herts
EN8 7AN
18 July 2024

Lending Hope Limited
Company Limitsd by Guarantse
Statsment of Financial Activities
(including income and expenditur6 account)
Year gndod 31 January 2023
2023
Unreslricled
funds T¢)tal funds Total funds
2022
Not•
Incorne and •ndowm•nts
Donations and legacies
Investment income
Other income
540,092
540,092
569.598
936
T•tal in¢om•
540,092
540,092
570.535
Exp•nditure
Expenditure on charitable actwities
501,935
501,935
539,241
Total •xpendltur•
501,935
501,935
539,241
N¢t in¢om• and n•t movement in funds
38,157
38,157
31,294
Recon¢iliation of funds
Total funds brought forward
Tot41 funds ¢arri•d fopward
50,581
50,581
88,738
19,287
50,581
88,738
The statement of financial activitie5 includes all gains and losses recognised in the year.
All income and expenditure derive from continuing activitiès.
The notes on pag•s 8 to 16 form part of thesa financial st#t•m•nts.

Lending Hope Limited
Company Limited by Guarantee
Stat•m•nt of Financial Position
31 January 2023
2023
2022
Not•
Fixed assets
Tangible fixed assets
14
187,174
196,609
Current assets
Debtors
Cash al bank and in hand
15
73,591
34,475
33,000
33,000
108,066
Creditors: amounts falling du• within on• y•ar
N•t ¢urrnnt liabiliti•s
16
82,269
204,927
49.269
96,861
Total assets less current liabilities
137,905
99,748
Cr•ditOfS: amounts falling du• aft•r more than on• y•ar
N•t ass•ts
17
49.167
49,167
50,581
88.738
Funds of th• ¢harty
Unrestricted funds
88.738
88.738
50,581
Totsl ¢harity funds
18
50,581
For the year ending 31 January 2023 the charity was 8nlitled to exemption from audit under section
477 of the Companies Act 2006 relating lo sm811 eomp8nies.
Directors, responsibilities..
The members have not required the company lo obtain an audit of its financial statements for the
year in question in accordan￿ with section 476..
The directors acknowledge their responsibilities for complying with the requirements of the Act
with respect to accounting records and the Prepa￿tion of financial statements.
These financial statements have been prepared in accordance with the provisions applicable lo
companies subject lo the small companies, regime.
These financial statements were approved by the board of trustees and 8ulhorised for issue on 18
July 2024, and are signed on behalf of the board by..
. Bamiinka
ste8
The notes on pagas 8 to 15 form part of th•s• financial statements.

Lending Hope Limited
Company Limited by Guarantse
Statsment of Cash Flows
Y•ar ended 31 January 2023
2023
2022
Cash flows Imm op•rating activities
Nel income
38.157
31,294
Adjustments for.
Other interest receivable and similar income
Interest payable and similar Charges
Gains on disposal of heritage assets
Accrued expenses
2,426
15,701}
1,200
686
1,560
Changes in..
Trade and other debtors
Trade and other creditors
73,591
1123,8581
114,1851
173.5911
157,369
Cash generated from operations
117,317
Interest pald
Interest received
12.4261
16861
Net cash (used inyfrom operating activities
116,6111
116,632
Cash flows from Investlng aetlvltles
Purchase of tangible assets
Proceeds from sale of tangible assets
Proceeds from sale of heritage assets
Net cash fromllused inl investsng activities
{9,0001
18.435
5,701
15,136
1167,2751
1167,2751
C4sh flows from finan¢ing a¢tivbti•s
Proceeds from borrowings
Nel cash from financing activities
49,167
49,167
Not d•¢reas• in ¢ash and cash equiv#l•nts
Cash and cash equivalents at beginning ol year
Cash and Gash •qulval•nts at •nd ofy•ar
11,4751
34,475
33,000
11,4761
35,951
34,475
Th& notes on paggs 8 to 15 form part of thtse Ilnancial statements.

Lending Hope Limited
Company Limitsd by Guarantee
Notes to the Financial Statements
Year ended 31 January 2023
Gèneral Informatlon
The charity is a public benefit entity and a private company limited by guarantee. registered in
England and Wales and a registered charity in England and Wales. The address of the
registered office is 67 Forburg Road. London. N16 6HR, England.
Statement ol compliance
These financial slalements have been prepared in compliance with FRS 102, 'The Financial
Reporting Standard applicable in the UK and the Republic of Ireland,, the Statement of
Recommended Practice applicable to charities preparing their accounts in accordan￿ with the
Financial Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021 (Charities
SORP IFRS 10211 and the Companies Act 2006.
Accounting policies
Basis of pr•par4tlon
The financial statements have been prepared on the historical cost basis, as modified by the
revaluation of certain financial assets and liabilities and investment properties measured at fair
value through income or expenditure.
The financial statements are prepared in sterling, which is the functional currency of the entity.
Going concern
There are no materia5 uncertainties about the charity's ability to continue.
Judg•m•nts and key sources of •stimation uncert*lnty
The preparation of the financial statements requires management to make judgement5.
estimates and assumptions that affect the amounts reported. These estimates and judgements
are continually reviewed and are based on experience and other factors, including expectations
of future events that are believed lo be reasonable under the circumstances.
Fund accountlng
Unrestricted funds are available for use at the discretion of the trustees lo further any of the
charity's purposes.
Designated funds are unreslricled funds eamiarked by the trustees for particular future project or
commitment.
Restricted funds a￿ subjected lo restrictions on their expenditure declared by the dorior or
through the terms of an appeal, and fall into one of two sub-classes.. reslricled income funds or
endowmentfunds.

Lending Hope Limited
Company Limited by Guarantse
Notos to the Financial Statsments {eonllnue**)
Year ended 31 January 2023
Aeeountlng policl•s (conlinued)
Incoming r•sourc•s
All incoming resources are included in the ststement of financial activities when entitlement has
passed to the charity., it is probable that the economic benefits associated with the transaction
will flow lo the charity and the amount can be reliably measured. The following SFeGific policies
are applied lo particular categories of income..
income from donations or grants is recognised when there is evidence of enlillement lo the
gift, receipt is probable and its amount can be measured reliably.
legacy income is recognised when receipt is probable and entiuemenl is established.
income from donated goods is measured al the fair value of the goods unless this is
impracli¢al lo measur8 reliably, in which case the value is derived from the cost lo the donor
or the estimated resale value. Donated facilities and services are recognised in the
accounts when received if the value can be reliably measured. No amounts are included for
the contribution of general volunteers,
income from contracts for the supply of services is recoonised with the delivery of the
contracted servi￿. This is classified as unreslricled funds unless there is a contractual
requirement for il lo be spent on a particular purpose and returned if unspent, in which case
il may be regarded as restricted.
Resourc•s exp•nd•d
Expenditure is recognised on an accruals basis as a liabllity is incurred. Expenditure includes any
VAT which cannot be fully recovered, and is classified under headings of the statement of
financial activities to which it relates..
expenditure on raising funds includes the costs of all fundraising activities, events,
non-charitable trading aclivilies, and the sale of donated goods.
expenditure on charitable activities includes all costs incurred by a charity in undertaking
activities that further its charitable aims for the benefit of its beneficiaries, including those
support costs and costs relating to the governance of the charity apportioned to charitable
activities.
other expenditure includes all expenditure that is neither reialed lo raising funds for the
charity nor part of ils expenditure on charitable activities.
All costs are allocat￿ to expenditure categories reflecting the use of the resource. Direct costs
attributable to a single activity are allocated directly lo that activity. Shared costs are apportioned
between the activities they contribute lo on a reasonable, justifiable and consistent basis.
T*nglbl• ass•ts
Tangible assets are initially recorded at cost, and subsequently stated at cost less any
accumulated depreciation and impairment losses. Any tangible assets carried at revalued
amounts are recorded at the fair value at the date of revaluatson less any subsequent
accumulated depreciats'on and subseqljenl accumulated impairment losses.

Lending Hope Limited
Company Limitsd by Guarantae
Not•s to the Financial Stat•ments f¢ontlnu•d)
Year endod 31 January 2023
Accountirig policies (el￿11￿￿
Tangibl• ass•ts {￿ltinUed)
An increase in the carrying amount of an asset as a result of a revaluation, is recognised in other
recognised gains and losses, unless it reverses a charge for impairment that has previousty been
recognised as expenditure within the slalemenl of financial activities. A decrease in the carrying
amount of an asset as a result of revaluation, is recognised in other recognised gains and losses,
except lo which il offsets any previous revaluation gain, in which case the loss is shown within
other recognised gains and losses on the stalernent of financial activitr'es.
Depreciation
Depreciation is calculated so as to write off the cost or valuation of an asset, les5 its residual
value, over the useful economic life of that asset as follows..
Motor vehicles
200/0 Straight Ilne
Impairm•nt of fixed •ss•ts
A review for indicators of impairment is carried out al each reporting date, with the recoverable
amount being eslimaled where such indicators exist. Vvhere the carrying value exceeds the
recoverable amount, the asset is impaired accordingly. Prior impairments are also reviewed for
possible reversal al each reporting date.
For the purposes of impairment t&sb'ng, when it is not possible lo estimate the recoverable
amount of an individual asset. an estimate is made of the recoverab￿ amount ol the
cash-generaling unil to which the asset belongs. The cash-generating unit is the smallest
identifiable group of assets that includes the asset and generates cash inflows that largely
independent of the cash inflows from other ass8ts or groups of assets.
For impairment lesling of goodwill, the goodwill acquired in a business combination is, from the
acquisition dale. allocated to each of the cash-generaling units that are expected lo benefit from
the synergies of the combination, irrespective of whether other assets or liabilities of the charity
are assigned to those units.
Finan¢ial instruments
A financial asset or a financial liability is recognised only when the charity becomes a party to the
contractual provisions of the instrument.
Basic financial instruments are inffially recognised at the amount receNable or payable including
any related transaction costs.
Current assets and current liabilities are subsequently measured at the cash or other
consideration expected lo be paid or received and not discounted.
Debt instruments are subsequently measured at amortised cost.
10

Lending Hope Limited
Company Limit•d by Guarantse
Notes to the Financial Statsmonts {eontlnuedJ
Year ended 31 January 2023
Accounting policies (eanllnued)
Financial instrum•nts (¢onllnuedJ
Where investments in shares are publicly traded or their fair value can othe￿ise be measured
reliably, the investment is subsequently measured at fair value with changes in fair value
recognised in income and expenditure. Al other such investments are subsequently measured al
cost less impairment.
Other financial inslrurnenls. including derivatives, are initially recognised at fair value, unless
payment for an asset is deferred beyond normal business terms or financed al a rale of interest
that is not a market rate, in which case the asset is measured at the present value of the fijture
payments discounted at a market rate of interest for a similar debt inslrumenl.
other financial instruments are subsequently measured al fair value, with any changes
recognised in the statement of financial aclivilies, with the eX￿ptIon of hedging instruments in a
designated hedging relationship.
Financial assets that are measured at cost or amortised cost are reviewed ft)r objective evidence
of impairment at the end of each reporting dale. If there is objective evidence of impairment, an
impairment loss is recognised under the appropriate heading in the statement of financial
activities in which the initial gain was recognised.
For all equity instruments regardless of significance. and other financial assets that are
individually significant, these are assessed indNidually for impairment. Other financial assets are
either assessed individually or grouped on the basis of similar credit risk characlerislics.
Any reversals of impairment are recognised immediately, lo the extent that the reversal does not
result in a carrying amount of the financial asset that exceeds what the carrying amount would
have been had tha impairment not previously been recognised.
Lirnlt￿ by guarant¢¢
Lending Hope Limited is a company limited by guarantee and accordingly does not have a share
capitsl.
Every member of the company undertakes lo contribute such amount as may be required. not
exceeding £1, to the assets of the charitable company in the event of it being wound up while he
or she is a member, or within one year after he or she ceases lo be a member.
Donatlons stnd l•ga¢l•s
Unrestricted Total Funds Unreslricled Totsl Funds
Funds
2023
Funds
2022
Donations
Donations
540,092
540,092
488,730
488,730
Grants
Grants re￿1vable
80,868
80,868
540,092
540.092
569,598
569,598
11

Lending Hope Limited
Company Limited by Guarantse
Notss to tho Financial Statements (eonllnuod)
Year ended 31 January 2023
Investment income
Unrestricted Totsl Fund5 Unrestricted Total Funds
Funds
2023
Funds
2022
Bank interest receivab
Oth•r in¢om•
Unrestricted Totsl Funds Unrestricted Total Funds
Funds
2023
Funds
2022
Other income
936
936
Exp8ndltur• on ¢harltabl• A6llvftl•s by fund typ•
Unrestricted Total Funds Unrestricted Totsl Funds
Funds
2023
Funds
2022
Charitable activities
Support costs
497,814
4,121
497.814
4.121
536,842
2.399
536,842
2,399
501,935
501,935
539.241
539,241
Expenditure on ¢haritable a¢tiviti•s by aetlvlty typ•
Activities
undertaken
directly Support costs
TotAI funds
2023
Totsl fund
2022
Charitable activities
Governance costs
497,814
497.814
4,121
501,935
536,842
2,399
539,241
4,121
4,121
497,814
10. Net income
Nel income is slated after chargingllcreditingl..
2023
2022
Gains on disposal of fixed assets
15,7011
11. Ind•p•nd•nt •xamlnation f••s
2023
2022
Fees payable to the independent examiner for..
Independent examination of the financial statements
3,600
12

Lending Hope Limited
Company Limit•d by Guarants•
Notss to tho Financial Stat•monts fconllnu¢d)
Year ended 31 January 2023
12. Staff costs
The lolal staff costs and employee b8nefils for the reporbng period are analysed as foljows..
2023
2022
Wages and salaries
42,036
63,147
The average head count of employees during the year was 912022.. 91. The average number of
full-lime equivalent employees during the year is analysed as follows..
2023
2022
No.
Adminislralive staff
No employee received employee benefits of more than £60,000 during the year12022.. NIII.
13. Trust•• r•mun•ratlon and •xp•ns•s
There were no Iruslees. remuneration or other benefits for the year ended 31 January 2023.
There were no Iruslees. expenses paid for the year ended 31 January 2023.
14. Tangible fixed assets
Motor
vehlcl•s
Cost
At 1 February 2022
Additions
Disposals
At 31 January 2023
D•pr•¢iation
Al 1 February 2022
Disposals
At 31 January 2023
Carrying amount
At 31 January 2023
At 31 January 2022
216,165
9,000
130,7251
194.440
19,556
112,2901
7,266
187,174
196,609
15. Debtors
2023
2022
Other debtors
73,591
13

Lending Hope Limited
Company Limited by Guarantse
Notgs to the Financial Statomgnts {¢onllnued)
Y¢ar ended 31 January 2023
16. Cr•dltors- arnounts falling du• within on• y•ar
2023
2022
Trade creditors
Accruals and defefred income
Other creditors
1,411
2,400
201,116
3,600
78,669
82,269
204,927
17. Creditors: amounts falling du• aft•r mor• than on• y•ar
2023
2022
Bank loans and overdrafts
49,167
49,167
18. Analysis of Charitable funds
Unrestrict•d funds
At
1 February 20
22
At
31 January 2
023
Income Expenditure
General funds
50,581
540,092
1501,9351
88,738
At
1 February 20
21
Al
31 January 20
22
Income Expenditure
General funds
19,287
570,535
1539,2411
50,581
14

Lending Hope Limited
Company Limitsd by Guarantse
Notes to the Financial Stat6m6nts (eontlnued)
Year èndod 31 January 2023
19. Analysls of net assets b•ttvMn funds
Unrestricted Total Funds
Funds
2023
Tangible fixed assets
Cuffenl asse15
Creditors less than 1 year
Creditors greater than 1 year
N•t assets
187.174
33.000
182,2691
149, 1671
88.738
187,174
33,000
{82,2691
{49, 1671
88,738
Unrestricted Total Funds
Funds
2022
Tangible fixed assets
Current assets
Creditors less than 1 year
Creditors greater than 1 year
Net assets
196.609
196,609
108.066
108,066
1204,9271 {204,9271
149,1671
149. 1671
50,581
50,581
16