Age UK is waiting to hear if it will be able to recover any of the £120,000 it loaned to Age UK Newcastle, which closed this month.
Age UK awarded the sum to its brand partner four years ago to help develop its home care service.
But Age UK Newcastle, one of the largest charities in north-east England, entered administration this month.
It was due to begin making monthly repayments this month to repay the loan at an interest rate of 2.5 per cent.
An Age UK spokeswoman said it had provided a one-off development loan. "Age UK is now an unsecured creditor of Age UK Newcastle," she added. "We made the loan to Age UK Newcastle four years ago to support the scaling-up of its home care service.
"Age UK Newcastle’s plans said that a deferred repayment term would allow time for the service to develop and would put them in a position to repay the loan."
The national charity had also, in 2016, awarded Age UK Newcastle various grants for programme work worth more than £80,000. "These are not repayable," the spokeswoman said.
Newcastle City Council, which had loaned Age UK Newcastle £290,000 over two years, is also awaiting news from the administrator, RSM Restructuring LLP.
Age UK Newcastle's website has been replaced by a message directing visitors to the administrator.
Nobody at RSM Restructuring LLP was available for comment.