Our first focus area

Improving access to affordable credit

All of our work will aim to improve the financial resilience of individuals and communities. We will initially focus on addressing the problem of access to affordable credit by providing support and funding for the affordable credit market.

We are taking an analytical and evidence-based approach to determine what activities our funding goes to and the way this funding is structured.

We are currently designing a programme of funding and capability development for organisations in the affordable credit sector and are seeking partners for this project.

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.