{"id":21274,"date":"2025-09-15T14:31:30","date_gmt":"2025-09-15T13:31:30","guid":{"rendered":"https:\/\/knowledgehub.cymru\/?post_type=resource&#038;p=21274"},"modified":"2025-09-15T14:44:45","modified_gmt":"2025-09-15T13:44:45","slug":"benthyciadau","status":"publish","type":"resource","link":"https:\/\/knowledgehub.cymru\/cy\/resources\/benthyciadau\/","title":{"rendered":"Benthyciadau"},"content":{"rendered":"<div class=\"wp-bootstrap-blocks-container container mb-2\">\n\t\n<div class=\"wp-bootstrap-blocks-row row\">\n\t\n\n<div class=\"col-12 col-md-9\">\n\t\t\t\n\n\n\n<h2 class=\"wp-block-heading\">Trosolwg<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"#loan\">Beth yw benthyciad?<\/a><\/li>\n\n\n\n<li><a href=\"#finance\">A yw cyllid drwy fenthyciadau\u2019n briodol i\u2019ch mudiad chi?<\/a><\/li>\n\n\n\n<li><a href=\"#Advantages\">Manteision ac anfanteision<\/a><\/li>\n\n\n\n<li><a href=\"#Providers\">Darparwyr cyllid drwy fenthyciadau<\/a><\/li>\n<\/ul>\n\n\n\n<p>Mae gallu\u2019r sector gwirfoddol i gael cyllid drwy fenthyciadau, a hygyrchedd y cyllid hwnnw i\u2019r sector wedi cynyddu\u2019n sylweddol dros y blynyddoedd diwethaf. Gall benthyciadau fod yn fuddiol i fudiadau\u2019r sector gwirfoddol mewn sawl ffordd, ond nid ydynt yn briodol i bob mudiad.  Nod y daflen wybodaeth hon yw cynnig trosolwg byr ar gyllid benthyciadau er mwyn helpu mudiadau i benderfynu a yw\u2019n briodol iddynt.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"loan\">Beth yw benthyciad?<\/h2>\n\n\n\n<p>Trafodiad ariannol yw benthyciad lle mae un parti (y rhoddwr) yn cytuno i roi swm o arian i barti arall (y benthyciwr) gyda\u2019r disgwyliad y bydd yn cael ei ad-dalu\u2019n llawn. Gall rhoddwr ofyn am daliadau llog ar ben swm y benthyciad gwreiddiol. <\/p>\n\n\n\n<p>Fel arfer, caiff telerau ac amodau trafodiad benthyciad eu nodi ar ffurf contract. Bydd y contract fel arfer yn nodi\u2019r telerau ar gyfer ad-dalu, gan gynnwys unrhyw ffioedd trefnu, y swm sy\u2019n ddyledus, y cyfraddau llog y cytunwyd arnynt a\u2019r dyddiadau y mae ad-daliad yn ddyledus. <\/p>\n\n\n\n<p><strong>Yn syml, ffordd arall o gyllido mudiad yw benthyciadau, ac ni ddylid eu hystyried yn rhywbeth i gymryd lle grantiau.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"finance\">A yw cyllid drwy fenthyciadau\u2019n briodol i\u2019ch mudiad chi?<\/h2>\n\n\n\n<p>Yn yr un modd \u00e2 phob math o ddulliau creu incwm, dylai mudiadau feddwl yn strategol am ymgymryd \u00e2 gweithgaredd newydd e.e. cael benthyciad.<\/p>\n\n\n\n<p>Cyn ystyried gwneud cais am fenthyciad, dylai mudiadau fod mewn sefyllfa lle mae cynlluniau busnes ac ariannol trwyadl wedi dangos gallu\u2019r mudiad i greu digon o incwm i dalu unrhyw ad-daliadau posibl ar fenthyciad.<\/p>\n\n\n\n<p>Gellir defnyddio\u2019r tri phwynt trafod isod i gynorthwyo mudiad i benderfynu a yw cyllid drwy fenthyciad yn opsiwn:<\/p>\n\n\n\n<p><strong>1.<\/strong><strong> Ar gyfer beth fydd y benthyciad yn cael ei ddefnyddio?<\/strong><\/p>\n\n\n\n<p>Gall cyllid drwy fenthyciad gael ei ddefnyddio at amryw o ddibenion, gan gynnwys:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prynu eiddo, tir, peiriannau neu gyfarpar<\/li>\n\n\n\n<li>Adnewyddu eiddo sy\u2019n bodoli eisoes<\/li>\n\n\n\n<li>Rheoli problemau llif arian a chylchoedd incwm o grantiau<\/li>\n\n\n\n<li>Sefydlu prosiectau neu fentrau newydd<\/li>\n\n\n\n<li>Buddsoddi yn nhwf y mudiad<\/li>\n<\/ul>\n\n\n\n<p><strong>2. Pa fudd a gaiff y mudiad o\u2019r benthyciad?<\/strong><\/p>\n\n\n\n<p>Dylai mudiad sy\u2019n ystyried cyllid drwy fenthyciad fod yn glir ynghylch diben y benthyciad:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A fydd y benthyciad yn galluogi\u2019r mudiad i gyflawni ei nodau a\u2019i amcanion yn well?<\/li>\n\n\n\n<li>A fydd y benthyciad yn helpu i wella\u2019r gwasanaethau a ddarperir neu i gyrraedd mwy o fuddiolwyr?<\/li>\n\n\n\n<li>A fydd y benthyciad yn cyfrannu at gynaliadwyedd y mudiad yn y dyfodol drwy roi cyfleoedd i gynhyrchu mwy o incwm?<\/li>\n<\/ul>\n\n\n\n<p><strong>3. A yw\u2019r mudiad wedi rhoi strwythurau a systemau priodol ar waith?<\/strong><\/p>\n\n\n\n<p>Dylai mudiad allu profi bod ganddo\u2019r gallu i gael benthyciad a\u2019i ad-dalu:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A yw dogfen lywodraethu\u2019r mudiad yn ei alluogi i fenthyg arian ac i gynnig asedau fel sicrwydd o bosibl?<\/li>\n\n\n\n<li>A oes gan y mudiad systemau ariannol cadarn ar waith i reoli buddsoddiad o\u2019r fath?<\/li>\n\n\n\n<li>A yw\u2019r mudiad wedi\u2019i gorffori er mwyn diogelu\u2019r ymddiriedolwyr neu\u2019r cyfarwyddwyr rhag unrhyw atebolrwydd personol a allai fod yn gysylltiedig \u00e2\u2019r benthyciad?<\/li>\n\n\n\n<li>Bydd yn rhaid i chi dalu&#8217;r benthyciad gydag incwm anghyfyngedig y byddwch yn ei gynhyrchu, fwy na thebyg. Mae dod o hyd i gyllidwr a fydd yn caniat\u00e1u grant i ad-dalu benthyciad yn brin iawn <\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Advantages\">Manteision ac anfanteision<\/h2>\n\n\n\n<p>Mae manteision ac anfanteision ynghlwm wrth ddefnyddio benthyciadau fel modd o gyllido mudiad. Dylid ystyried y rhain hefyd cyn cymryd unrhyw gamau: <\/p>\n\n\n\n<p><strong>Manteision<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gellir eu trefnu\u2019n gyflymach na grantiau<\/strong> &#8211; mae\u2019r prosesau ymgeisio a phenderfynu\u2019n llawer cyflymach fel arfer<\/li>\n\n\n\n<li><strong>Nid ydynt mor gystadleuol \u00e2 chyllid grant<\/strong> &#8211; gellir cymeradwyo ceisiadau am fenthyciad yn \u00f4l eu teilyngdod yn hytrach nag yn \u00f4l pa mor agos y maen nhw\u2019n bodloni meini prawf cyllidwr<\/li>\n\n\n\n<li><strong>Maen nhw\u2019n fwy hyblyg na chyllid grant<\/strong> &#8211; gellir teilwra ceisiadau am fenthyciad i\u2019r hyn sy\u2019n diwallu anghenion y mudiad orau, yn hytrach na meini prawf cyllidwr grant<\/li>\n\n\n\n<li><strong>Llai o fonitro ac adrodd sy\u2019n ymwneud ag allbynnau na chyllid grant<\/strong> &#8211; fodd bynnag, gallai darparu gwybodaeth ariannol amserol fod yn un o amodau\u2019r benthyciad<\/li>\n\n\n\n<li>Fel arfer, caiff benthyciadau eu talu ymlaen llaw, nid ar ffurf rhandaliadau neu \u00f4l-daliadau fel cyllid grant<\/li>\n<\/ul>\n\n\n\n<p><strong>Anfanteision<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mae\u2019n rhaid i chi ei ad-dalu<\/li>\n\n\n\n<li>Cyfraddau llog amrywiol<\/li>\n\n\n\n<li>Gall fod angen talu ffioedd trefnu uchel weithiau<\/li>\n\n\n\n<li>Ysgwyddo\u2019r cyfrifoldeb am gytundeb wedi\u2019i rwymo\u2019n gyfreithiol<\/li>\n\n\n\n<li>Cynnig ased fel sicrwydd<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Providers\">Darparwyr cyllid drwy fenthyciadau<\/h2>\n\n\n\n<p>Ar wah\u00e2n i fenthycwyr masnachol y stryd fawr, mae nifer mawr o fudiadau\u2019n cynnig benthyciadau sydd wedi\u2019u teilwra ar gyfer mudiadau\u2019r sector gwirfoddol. Mae llawer o ymddiriedolaethau elusennol mawr hefyd wedi dechrau arbrofi gyda chynnig cyllid drwy fenthyciadau yn ddiweddar. <\/p>\n\n\n\n<p>Efallai y byddwch hefyd am ystyried moeseg eich mudiad a&#8217;r math o fenthyciwr rydych yn mynd iddo. Er enghraifft, os ydych yn elusen amgylcheddol, a fyddwch yn cael benthyciad gan fanc sy&#8217;n buddsoddi mewn ecsbloetio olew a nwy? <\/p>\n\n\n\n<p>Isod rhestrir rhai darparwyr sy\u2019n cynnig cyllid drwy fenthyciad yn benodol ar gyfer y sector gwirfoddol. Gellir cael rhagor o wybodaeth am bob mudiad drwy ddefnyddio\u2019r manylion cyswllt isod:<\/p>\n\n\n\n<p><strong><a href=\"http:\/\/www.bigissueinvest.com\">Big Issue Invest<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n: <\/strong>020 7526 3434<\/p>\n\n\n\n<p><a href=\"mailto:enquiries@bigissueinvest.com\">enquiries@bigissueinvest.com<\/a><\/p>\n\n\n\n<p><strong><a href=\"http:\/\/www.cafonline.org\/venturesome\">Charities Aid Foundation &#8211; Venturesome<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n: <\/strong>0207 832 3026<\/p>\n\n\n\n<p><strong><a href=\"http:\/\/www.charitybank.org\">Charity Bank<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n:<\/strong> 01732 774 050<\/p>\n\n\n\n<p><a href=\"mailto:loanenquiries@charitybank.org\">loanenquiries@charitybank.org<\/a><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/coopfinance.coop\/\">Co-operative &amp; Community Finance<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n:<\/strong> 01179 166 750<\/p>\n\n\n\n<p><a href=\"mailto:info@coopfinance.coop\">info@coopfinance.coop<\/a><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/developmentbank.wales\">Banc Datblygu Cymru<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n: <\/strong>0800 587 4140<\/p>\n\n\n\n<p><a href=\"mailto:info@developmentbank.wales\">info@developmentbank.wales<\/a><\/p>\n\n\n\n<p><strong><a href=\"https:\/\/wcva.cymru\">Buddsoddiad Cymdeithasol Cymru &#8211; CGGC<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n: <\/strong>0300 111 0124<\/p>\n\n\n\n<p><a href=\"mailto:sic@wcva.cymru\">sic@wcva.cymru<\/a><\/p>\n\n\n\n<p><strong><a href=\"http:\/\/www.triodos.co.uk\">Triodos Bank<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n:<\/strong> 0800 328 2181<\/p>\n\n\n\n<p><a href=\"mailto:businessbanking@triodos.co.uk\">businessbanking@triodos.co.uk<\/a><\/p>\n\n\n\n<p><strong><a href=\"http:\/\/www.unity.co.uk\">Unity Trust Bank<\/a><\/strong><\/p>\n\n\n\n<p><strong>Ff\u00f4n: <\/strong>0845 140 1000<\/p>\n\n\n\n<p><a href=\"mailto:us@unity.co.uk\">us@unity.co.uk<\/a> <\/p>\n\n\t<\/div>\n\n\n\n<div class=\"col-12 col-md-3\">\n\t\t\t\n\n\t<\/div>\n\n<\/div>\n\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nod y daflen wybodaeth hon yw cynnig trosolwg byr ar gyllid benthyciadau er mwyn helpu mudiadau i benderfynu a yw\u2019n briodol iddynt.<\/p>\n","protected":false},"author":6451,"featured_media":3329,"template":"","format":"standard","meta":{"_acf_changed":false,"ep_exclude_from_search":false,"footnotes":""},"categories":[761],"tags":[1240,1204,725],"class_list":["post-21274","resource","type-resource","status-publish","format-standard","has-post-thumbnail","hentry","category-cyllid-cynaliadwy","tag-benthyciadau","tag-cyllid-cynaliadwy","tag-sustainable-funding","pillar-cyllid-cynaliadwy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Benthyciadau | Adnoddau | Hwb 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