Our first focus area

Improving access to affordable credit

Our work aims to improve the financial resilience of individuals and communities. Our initial focus is on addressing the problem of access to affordable credit by providing support and funding for the affordable credit market. 

We are currently running a pilot ‘Scale Up Programme’ of capability development for five organisations in the affordable credit sector; Enterprise Credit Union, Fair for You, Five Lamps / Conduit, Leeds City Credit Union and Moneyline.

The aim of this pilot programme is to improve the access, availability and affordability of credit with an emphasis on enabling smaller lenders to scale up or to disrupt the sector more broadly.

As part of this work, we are also:

  • Understanding our target market and the economics of intervention
  • Exploring the possibility of employers providing low costs employee loans
  • Developing a fair and affordable credit standard
  • Convening investors in financial inclusion
  • Improving the fairness of credit scoring

Future projects

We plan to expand our portfolio of projects over the coming year to potentially include:

Supporting alternatives to credit such as the provision of furniture rental through Housing Associations.

Supporting insurance initiatives, that protect against income shocks or increase the scale of home contents cover.

Developing programmes and interventions that encourage savings behaviour.


We are keen that our work adds to other great work that is already happening in this space and are committed to working collaboratively. We are currently in the process of meeting with a wide range of stakeholders across the public, private and third sectors as outlined below:

  • Government and financial inclusion regulators
    Government and financial inclusion regulators
  • Financial inclusion advocates & researchers
    Financial inclusion advocates & researchers
  • Financial guidance and debt advice providers
    Financial guidance and debt advice providers
  • Affordable credit providers
    Affordable credit providers
  • Credit reference agencies
    Credit reference agencies
  • Commercial lenders
    Commercial lenders
  • Housing associations
    Housing associations
  • Employers
  • Technology for good providers
    Technology for good providers
  • Insurance industry
    Insurance industry

Get involved

If you operate in the financial inclusion space and would like to help us in our mission to end financial exclusion, please get in touch.