COMPANY REGISTRATION NUMBER: 11177669
CHARITY REGISTRATION NUMBER: 1179132
Lending Hope Limited
Company Limited by Guarantee
Unaudited Financial Statements
31 January 2024
BRINDLEY GOLDSTEIN LIMITED
Chartered accountants
103 High Street
Waltham Cross
Herts
EN8 7AN

Lending Hope Llmited
Company Limited by Guarantse
Financial Statements
Year •nded 31 January 2024
Page
Trustees, annual report (incorporating the directorfs 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 Limitsd by Guarantee
Trustses. Annual Report (Incorporating the Director's Report)
Year ended 31 January 2024
The Iruslees, who are also the directors for the purposes of company law, present their report and the
unaudited financial statements of the charity for the year ended 31 January 2024.
Ref•r•nc• and administrativ¢ details
R•glst•r•d Gharity nam•
Lending Hope Limited
Charity r•gistration number
1179132
Company registration number 11177569
Prinelpal ¢)fflc• and r•gist•r•d 67 Forburg Road
office
London
N16 6HR
England
The trustees
Mr N. Kahan
Mr H. Barminka
Mr B. Schwartz
Indep•ndent examin•r
Charles Goldstein FCA
103 High Street
Wallham Cross
Herts
EN8 7AN
Structur•, governaneè #nd management
The charity is consliluled under a trust deed dated 19 February 2018. It is a registered Charity, number
1179132. Recruitment and appointment of new trustees would be in line with the Memorandum and
Arb'cles of Association and with the wnsenl of the trustegs.
The criteria set for the suitable candidate would be someone who is sensitive to the needs and
demands of the organisation. All major decisions are taken collectively by the trustees and all the
trustees give of their lime freely. The Iruslees are unpaid and details of any related paty transactions
are di￿10$ed as applicable in the notes to the accounts, The arrangements for setting the pay of the
charity's employees are the sole domain of the trustees.

Lending Hope Limited
Company Limit•d by Guarantee
Trustees. Annual Roport Ilncorporating tha Director's Report) (¢onllnu8dJ
Year ended 31 January 2024
Obj•¢tiv•s and activities
The charity's objectives are the following..
lo promote the education, including soeial 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 fil, incSuding by..
awarding such persons scholarships, maintenance allowances or grants tenable at 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 foN entry to any
oGcupalion, trade or ptofes5ion on leaving any educational establishment.
- the advan￿rnent of educats'on.
the relief of povety.
the advancement of such other objects as we are for the benefit of the public and are charitable
according to the laws of England and Wales.
A¢hlevements and p¢rformanc•
During the year the charity continued to function lo the satisfaction of the Trustees and the Trustees
a￿ satisfied with its increase in funds during the year.
As part of their duties, the Trustees are constantly reviewing the level of services provided. and are
prepared lo introduce any improvements that are deemed necessary.
Finan¢lal revi¢w
Income from donations during the year has decreased lo £396,535 12023.. £540,092) and the charity
reports a decreased surplus for the year of £11,337 12023.. Surplus £38,157). The Iruslees are
determined lo keep within budget and continue lo examine ways to increase income as well as
savings in costs.
Reserv•s policy
The charity retains resgrves lo ensure il has sufficient funds to meet immediate and anticipated
adminislralive costs.
Small ¢omp*ny provlsions
This report has been prepared in accordance with the provisions applicable to companies entitled lo
the small companies exemption.

Lending Hope Limited
Company Limited by Guarantoe
Trustees. Annual Report (In¢orporating the Director's Report) (eonllnu&*
Year ended 31 January 2024
The trustees. annual report was approved on 17 September 2024 and signed on behalf of the board of
trustees by..
MrH.
Trustee
arminka

Lending Hope Limited
Company Limited by Guarantee
Independent Examinor's Report to the Trustees of Lgnding Hopo Limitsd
Year ended 31 January 2024
I report lo the trustees on my examination of the financial statements of Lending Hope Limited I the
charity'l for the year ended 31 January 2024.
Responslbllltl•s and basis of r•port
As the Iruslees of the company land also ils directors for the purposes of company lawl you are
responsible for the preparation of the financial statements in accordance with the requirements of the
Companies Act 2006 ('the 2006 Act'i.
Having satlsfied myself that the accounts of the company are not required lo be audited under Part 16
of the 2006 Act and are eligible for independent examination, I report in respect of my examination of
the charity's accounts as Car￿ed out under section 145 of the Charities Act 2011 I'lhe 2011 Acl'l. In
carrying out my examination I have followed the Directions given by the Charity Commission under
section 14515llbl of the 2011 Act.
Independent examinerfs stat•m•nt
Since the charity's gross income exceeded £250,000 your examiner must be a member of a body
listed in section 145 of the 2011 Act. I confirm that l am qualified to undertake the examination
because l am a member of the Inslilule of Chartered Accountants in England and Wales IICAEW),
which is one of the listed bodies.
I have completed my examination. I confimi that no matters have come lo my attention in connects'on
with the examination giving me cause to believe..
accounting records were not kept in respect of the charity as required by section 386 of the
2006 Act., or
the financial slalemenls do not accord with those records,. or
the financi81 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 examination,. or
the financial statements have not been prepared in accordance with the methods and
principles of the Slalemenl of Recommended Practice for accounting and reporting by
charities applicable to charities preparing their accounts in accordance with the Financial
Reporting Standard applicable in the UK and Republic ot Ireland IFRS 1021.

Lending Hope Limited
Company Limitsd by Guarantee
Independent Examiner's Report to the Trustses of Londing Hope Limitsd
[￿ntInU¢￿)
Year ended 31 January 2024
I have no concems and have come across no other matters in connection with the examination lo
which attention should be drawn in this report in order to enable a proper understanding of the
accounts to be reached.
Charfes Goldstein FCA
Independent Examiner
103 High Street
Wallham Cross
Herts
EN8 7AN
17 September 2024

Lending Hope Limited
Company Limited by Guarantse
Ststsment of Financial Activities
(including income and èxpenditure account
Year ènded 31 January 2024
2024
Reslricled
funds T¢)tal funds Total funds
2023
Unrestricted
funds
Inoom• and end•vmi•nts
Donations and legacies
Other income
391,327
20,884
5,207
396,535
20,884
540,092
Total In¢om•
412,211
5,207
417.419
540,092
Expenditur¢
Expenditure on charitable activities
Total exp?ndltur•
406,081
406,082
501,935
406,081
406,082
501,935
N•t in¢om• and n•t movom8nt in funds
6,130
5,207
11.337
38,157
R•¢on¢iliation of funds
Total funds brought forward
Totsl funds carri¢d forward
88,738
88,738
100,075
50.581
94,868
S,207
88.738
The statement of financial activities includes all gains and losses recognised in the year.
All income and expenditure derive from continuing activities.
The notes on pag•s 9 to 16 forni part oftheso financial ststsmènts.

Lending Hope Limited
Company Limited by Guarantee
Statement of Financial Position
31 January 2024
2024
2023
Fix•d •ss•ts
Tangible fixed assets
13
166.134
187,174
Current assets
Cash at bank and in hand
21,213
33,000
¢reditors- amounts falllng du• within one year
N•t ¢urr•nt liabilities
14
38,105
82,269
16,892
49,269
137,905
Total assets less current liabilitiès
149,242
Cr•dltors: amounts falllng duo aft•r more than one year
Net assets
16
49,167
49,167
88,738
100,075
Funds of the charlty
Reslricled funds
Unrestricted funds
5,207
94,868
100,075
88.738
Total ¢harity funds
16
88.738
For the year ending 31 January 2024 the charity was entitled to exemption frorn audit under section
477 of the Companies Act 2006 relating to small companies.
Directors, ￿SpOnsIbl11t1eS'.
The members have not required the company lo obtsin an audit of its financial statements for the
year in question in accordance with section 476.,
The directors acknowledge their responsibilities for complying with the requirements of the Act
with respect to accounting records and the preparation of financial statements.
These financial statements have been prepared in accordance with the provision5 applicable to
ompanies subject to the small companies, regime.
These financial statements were approved by the board of trustees and aLrthorised for issue on 17
September 2024
nd are signed on behalf of the board by..
Barm
lee
ka
The not•s on payts 9 to 18 forni part of thes• finanelal stst•m•nts.

Lending Hope Limited
Company Limited by Guarantse
Statsment of Cash Flows
Year ended 31 January 2024
2024
2023
Cash flows from operating activitl•s
Net income
11,337
38,157
Adjustments for..
Interest payable and similar charges
Lossllgainsl on disposal of tangible fixed assets
Accrued expenses
1,722
3,040
2,426
15,7011
1,200
Changes An..
Trade and other debtors
Trade and other creditors
73,591
144,1641 1123,8581
128,065)
114,1851
Cash generated from operations
Interest paid
Nel Gash used in operating activities
11,7221
129,7871
12,426}
116,8111
Cash flovts from investing activiti•s
Purchase of tangible assets
Proceeds from sale of tangible fixed assets
Proceeds from sale of tangible fixed assets
Net cash from investing activities
19,0001
18,435
5.701
21,040
13.0401
18,000
15,136
Net decr•as• in cash and cash •qulvAl•nts
Cash and cash •quiv#lents at b•ginning of y•ar
Cash and eash equivalents It •nd ol year
111,7871
33,000
11.4751
34,475
21,213
33,000
Thè notes on pages 9 to 18 forni part of these finan¢ial ststèmènts.

Lending Hope Llmited
Company Limitsd by Guarantee
Notes to the Financial Statements
Year ended 31 January 2024
G•n¢ral intormatlon
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 of compll*n¢•
These financial statements 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 accordance with the
Financial Reporting Standard applicable in the UK and Republic of Ireland IFRS 1021 (Charities
SORP IFRS 10211 and the Companies Act 2006.
A¢¢ounting polici•s
Basis of preparation
The financial slalemenls have been prepared on the historical cost basis, as modified by the
revaluation of certain financial assets and liabilities and investrnent properties measured al fair
value through income or expenditure.
The financial statements are prepared in sterling. which is the functional currency of the entity.
Going concem
There are no material uncertainties about the charity's ability lo continue.
Judgements and key sour¢•s of estimation uncertainty
The preparation of the financial statements requires management to make judgements,
estimates and assumptions that affed 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 to be reasonable under the circumstsnces.
Fund accounting
Unrestricted funds are available for use at the discretion of the twslees to further any of the
charity's purKX)ses.
Designated fund5 are unreslricled funds eam)arked by the trustees for particular future project or
commitment.
Reslricled funds are subjected to restrictions on their expenditure declared by the donor or
through the terms of an appeal, and fall into one of sub-classes.. reslricled income funds or
endowment funds.

Lending Hope Limited
Company Limitsd by Guarantee
Notes to the Financial Ststements (¢oniiftu•dJ
Year ended 31 January 2024
A¢¢ounting poli¢i•s i¢onllnued)
Incoming resources
All incoming resources are included in the statement of financial aclivits'es when enb'llement has
passed lo the charity., it is probable that the economic benefits associated with the transaction
will flow to the charity and the amount can be reliably measured. The following specific policies
are applied to particular categories of income..
income from donations or grants is recognised when there is eviden￿ of entitlement to the
gift. receipt is probable and ils amount can be measured reliably.
legaw income is recognised when receipt is probable and entitlement is established.
income from donated goods is measured al the fair value of the goods unless this is
impractical to Measure reliably, in which case the value is derived from the cost lo the donor
or the eslimaled resale value. Donated facilities and services are recognised in the
accounts when re￿iVed 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 recognised with the delivery of the
contracted seNice. This is classified as unrestricted funds unless there is a contractual
requirement for it to be spent on a particuLgr purpose and returned if unspent, in which case
il may be regarded as reslricled.
Resour¢•s •xpended
Expenditure is recognised on an accfuals basis as a liability 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 ils beneficiaries, including those
support costs and costs relating to the governance of the charity apportioned lo charitable
activities.
other expenditure includes all expenditure that is neither related to raising funds for the
charity nor part of ils expenditure on charitable activities.
All costs are allocated to expenditure categories reflecting the use of the resource. Direct costs
attributable to a sirigle activity are allocated directly to that activity. Shared costs are apportioned
be￿een the activities they contribute to on a reasonable, justifiable and consistent basis.
Tanglble assets
Tangible assets are initially recorded al cost, and subsequently staled al cost less any
accumulated depreciation and impairment losses. Any tangible assets carried at revalued
amounts are recorded al the fair value at the dale of revaluation less any subsequent
accumulated depreciation and subseqLJonl accumulated impairment losses.
10

Lending Hope Limited
Company Limitsd by Guarantee
Notes to the Finan¢ial Statements (eontlnu8d)
Year ended 31 January 2024
A¢counting policies (eontlnuedj
Tangibl• assets (¢Onllnu¢d)
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 previously been
recognised as expenditure within the statement of financial activities. A decrease in the carrying
amount of an asset as a resLJIt of revaluation, is recognised in other recognised gains and losses,
except to which il offsets any previous revaluation gain, in which case the loss is shown within
other recognised gains and losses on the slalement of financial activities.
D¢pr¢¢iati•n
Depreciation is calculated so as lo write off the cost or valuation of an asset, less its residual
value, over the useful economic life of that asset as follows..
Motor Vehicles
20% slraighl line
Impairni•nt of flx•d iss•ts
A review for indKalors of impairment is carried out al each reporting dale, with the recoverable
amount being estimated where such indicators exist. Where the carrying value exceeds the
coverable amount. the asset is impaired accordingly. Prior impairments are also reviewed for
possible reversal al each reporbng dale.
For the purposes of impairment testing, when it is not possible to estimate the recoverable
amount of an individual asset, an estimate is made of the recoverable amount of the
cash-generating unit lo which the 8SS&t 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 assets or groups of assets.
For impairment testing of goodwill, the goodwill acquired in a business combination is. from the
acquisition date, allocated lo each of the cash-generating units that are expected to benefit from
the synergies of the combination, irrespective of whether other assets or liabilities of the charity
are assigned to those Ltnits.
Financial instruments
A financial asset or a financial liability is recx)gnised only when the charity becomes a paty to the
contractual provisions of the instrument.
Basic financial instruments are in((ially recognised al the amount receivable or payable including
any related transaction costs.
Current assets and current liabilities are subsequently measured al the cash or other
consideration expected to be paid or received and not diswunled.
Debt instruments are subsequently measured at amortised cost.
11

Lending Hope Limited
Company Limited by Guarantee
Notes to the Financial Statements (eontlnu
Year ended 31 January 2024
Ac¢ounting poli¢i•s fc¢)ntinuedJ
Financial instrum•nts (conllnu8dJ
Vvhere investments in shares are publicly traded or their fair value can otherwise be measured
reliably, the investment is subsequently measured al fair value with changes in fair value
recognised in incorne and expenditure. All other such investments are subsequentty measured at
cost less impairment.
Other financial instruments, including derwalives. are initially recognised at fair value, unless
payment for an asset is deferred beyond normal business terms or fInan￿d al a rate of inlefesl
that is not a market rate. in which case the asset is measured at the present value of the fvture
payments discounted al a market rale 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
designated hedging relationship.
Financial assets that are measured at cost or amortised cost are reviewed for objective evidence
of impairment at the end of each reporbng dale. If there is objective evidence of impairment, an
impairment loss is recognis8d under the appropriat8 heading in the statement of financial
activities in which the initial gain was rocognised.
For all equity instruments regardless of significance, and other financial assets that are
indNiidually signif cant, these are assessed individually for impairment. Other financial assets are
either assessed individually or grouped on the basis of similar credit risk characteristics.
Any r8versals 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 the impairment not previously been recognised.
Limit•d by gu*r*nte•
Lending Hope Limited is a company limited by guarantee and accordingly does not have a share
capital.
Every member of the company undertakes lo contribute such amount as may be required, not
ex￿edIng £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.
Donations and legacies
Unrestricted
Funds
Restricted Totsl Funds
Funds
2024
Donatlons
Donations
391.327
5,207
396,535
12

Lending Hope Limited
Company Limited by Guarantse
Notes to th• Financial Statements (eontlnu8d)
Year gndgd 31 January 2024
Donations and l•gaci•s (contlnu8d)
Unrestricted
Funds
Restricted Total Funds
Funds
2023
Donations
Donations
540,092
540,092
oth•r in¢om•
Unrestricted Total Funds Unrestricted Total Funds
Funds
2024
Funds
2023
other income
20,884
20,884
Expenditure on ¢haritabl• activities by fund type
Unrestricted Tol•l Funds Unreslricled Total Funds
Funds
2024
Funds
2023
Charitable activities
Support costs
402,572
3,510
402,572
3,510
497,814
4,121
497,814
4,121
406,082
406,082
501,935
501,935
Exp•nditur• on ¢harftabl• activities by activity type
Activities
undertaken
directly Support costs
Total funds
2024
Total fund
2023
Ch8rilable activities
Governance costs
402,572
402,572
3,510
497,814
4,121
3,510
3,510
402,572
406,082
501,935
Net incom•
Nel income is slated after chargingllcreditingl..
2024
2023
Lossl{gainsl on disposal of tsnglble fixed assets
3,040
15.7011
10. Indèp¢nd•nt •xamlnation fees
2024
2023
Fees payable to the independent examiner for..
Independent examination of the financial statements
1,800
1,800
13

Lending Hope Limited
Company Limited by Guarante•
Notgs to the Financial Statsments l¢onllnu¢dJ
Year endod 31 January 2024
11. Staff costs
The total staff costs and employee benefits fof the reporting period are analysed as follows..
2024
2023
Wages and salaries
36,886
42,036
The average head count of employees during the year was g {2023.' 91. The average number of
full-lime equivalent employees during the year is analysed as follows..
2024
2023
Administrative staff
No employee received employee benefits of more than £60,000 during the year12023'. Nill-
12. Trust•• r•mun•ration and ¢xyns•s
There were no Iruslees. remuneratson or other benefits for the year ended 31 January 2024.
There were no Iruslees, expenses paid for the year ended 31 January 2024.
13. Tangibl• fix•d ass•ts
Motor
v•hl¢l•s
Cosl
Al 1 February 2023
Disposals
At 31 January 2024
Depreciation
At 1 F•bruary 2023 and 31 January 2024
Carrying •mount
At 31 January 2024
At 31 January 2023
194,440
121,0401
173,400
7,266
166.134
187.174
14. Creditors: amounts lalllng due within one year
2024
2023
Accruals and deferred incoffle
Other creditors
3,600
34,505
3,600
78,669
38.105
82,269
14

Lending Hope Limited
Company Limitod by Guarantse
Notes to the Financial Statements (eontlnu•d)
Year ended 31 January 2024
16. Credltots: #mounts falling du• after mor• than one year
2024
2023
Bank loans and overdrafts
49,167
49.167
16. Analysls of charitable funds
Unr•strl¢t•d funds
At
1 February 20
23
At
31 January 2
024
Income Expenditure
General funds
88,738
412,211
1406,0811
94,868
Al
1 February 20
22
At
11 January 20
23
Income Expenditure
General funds
SO,581
540,092
1501,9351
88,738
Restricted funds
At
1 February 20
23
At
31 January 2
024
Income Expenditure
Restricted Fund
5,207
5,207
At
1 February 20
22
At
31 January 20
23
Income Expendttule
Reslricled Fund
15

Lending Hope Limited
Company Limited by Guarantso
Notes to the Financial Statements (eontlnu8dJ
Year ended 31 January 2024
17. Analysis of nét assets between funds
Unrestricted
Funds
Restricted Tot*1 Funds
Funds
2024
Tangible fixed assets
Current assets
Creditors less than 1 year
Creditors greater than 1 year
Net assets
166,134
16,006
138,1 OSI
149,1671
94,868
166,134
21,213
138,1051
149,1671
100,075
5.207
S,207
Unrestricted
Funds
Reslricled Total Funds
Funds
2023
Tangible fixed assets
Current assets
Creditors less than 1 year
Creditors greater than 1 year
Net assets
187,174
33,000
182,2691
149,1671
88.738
187,174
33,000
182,2691
149,1671
88,738
18. Anatysis of ¢hanges in n•t debt
At
At 1 Feb 2023 Cash flows 31 Jan 2024
Cash al bank and in hand
Debt due after one year
33,000
149,1671
116,1671
111,7871
21,213
149, 1671
127,9541
111,7871
16