Fair By Design

SuperFi Finance is a London-based financial application founded in 2021 that offers personalized debt support to users. The app is designed to assist individuals in managing their bills and debts, particularly during the ongoing Cost-of-Living crisis. By consolidating various sources of debt and bills into a single platform, SuperFi empowers users to maximize their incomes and minimize their expenses. This approach not only helps customers stay on top of their payments and avoid problem debt but also enables bill providers to enhance customer outcomes while reducing their operational costs.

Plend is building a better way to borrow where consumers are no longer held back by credit history. Built on the belief that one size doesn’t fit all when it comes to credit, Plend was created to enable wider access to truly affordable loans, underpinned by new and innovative advances in open-banking powered credit scoring in order to create a fairer future for borrowers. The company was founded in 2020 and is based in London, England.

Kettel Homes is a real estate services platform designed to assist first-time homebuyers in transitioning from renting to owning. In response to the challenges posed by rising rental costs and declining availability of rental properties, the company provides a rent-to-own program that aims to make homeownership more accessible in the UK. Through its technology platform, Kettel connects buyers with vetted advisors, offering personalized guidance throughout the home-buying process. This approach not only streamlines transactions but also ensures a more transparent and efficient experience for buyers, ultimately fostering a new generation of homeowners.

Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

Tembo Money is a mortgage platform focused on assisting first-time homebuyers in securing home financing. The company offers innovative services that enhance affordability, including options for remortgaging and strategies for increasing deposits by sharing mortgages across two properties. By connecting users with multiple lenders, Tembo Money aims to maximize borrowing potential and simplify the mortgage process. Additionally, the platform serves as a comparison tool for residential mortgage brokers, further supporting homebuyers in navigating their mortgage options efficiently.

Octopus Legacy is a UK-based company that simplifies end-of-life planning and bereavement processes. It offers an online platform where users can create and manage wills, ensuring all legal aspects are covered and reviewed by experts. Additionally, the company provides support hubs and funeral management services to assist those dealing with loss, aiming to make these processes more manageable and accessible.

Incuto Limited is a financial technology company based in Ilkley, United Kingdom, that specializes in developing SaaS-based banking software tailored for credit unions, community banks, and Community Development Financial Institutions (CDFIs). Established in 2016, Incuto provides the incuto Hive platform, which streamlines back-office processes, enhances financial education, and facilitates communication and performance management. This technology enables credit unions to offer a range of banking services, including debit cards and bank accounts, while competing effectively with high-cost lenders. The platform is accessible 24/7 on various devices, allowing for quick loan processing and providing crucial support to underserved populations, including those in rural areas. Incuto aims to empower credit unions to operate more efficiently and digitally, ultimately enhancing their service offerings and reducing operational costs.

Homeppl, Ltd. is a London-based company that has developed an internet platform to facilitate the rental process for both tenants and landlords. The platform provides a digital rental resume, known as the Homeppl Smart Profile, which assists landlords in assessing potential tenants and making informed decisions. This risk assessment tool helps landlords avoid unsuitable candidates and approve more applications, thereby increasing rental opportunities. Homeppl also focuses on preventing application fraud by automating credit underwriting and integrating instant fraud analysis and affordability capabilities into its decision-making process. The company serves a diverse range of clients, including leading global corporations and fintech firms, enhancing their operational efficiency and risk management in the rental market.

Organise operates a platform designed to empower individuals in the workplace by providing tools, networking opportunities, and support for enacting change. The platform facilitates the collection of ideas aimed at improving workplace conditions, allowing employees to collaborate with colleagues on campaigns that advocate for better working environments. By fostering a community focused on collective action, Organise enables workers to address issues and negotiate for improvements that benefit all employees, ultimately enhancing their overall work experience.

Credit Kudos Limited operates an online credit scoring platform in the United Kingdom, focusing on enhancing financial inclusion and credit availability. The company allows borrowers to temporarily share their creditworthiness with lenders and brokers by connecting their online banking data. This process enables lenders to quickly assess an applicant's suitability through real-time access to consumer transaction data. Credit Kudos employs machine learning to create precise and transparent credit scorecards and affordability metrics, aiming for a fairer representation of creditworthiness. Its offerings include an online dashboard for issuing affordability requests and the Atlas underwriting platform, which provides insights based on Open Banking data. Additionally, the Reports API facilitates the automation of lending decisions and integration of Credit Kudos data into existing risk models. Founded in 2015 and headquartered in London, Credit Kudos strives to improve the lending process while prioritizing consumer consent and data privacy.

SteadyPay Limited, founded in 2017 and based in London, United Kingdom, focuses on enhancing the financial wellness of gig economy workers. The company provides a mobile application that allows users to securely link their bank accounts, enabling SteadyPay to calculate their average income. When a worker's income falls below this average, SteadyPay offers a top-up to bring their income back to the average level, without charging interest. This subscription-based service helps gig workers manage their finances more effectively, allowing them to budget confidently for everyday expenses and reducing their reliance on high-cost credit options that can lead to debt. By smoothing out income volatility, SteadyPay aims to support the financial stability of those in the gig economy.

Wagestream Ltd., founded in 2018 and headquartered in London, United Kingdom, develops a financial services application designed to enhance employee benefits and financial well-being. The platform allows employees to access their earned wages instantly, providing them with greater control over their pay schedules. This innovation aims to alleviate financial stress related to unexpected expenses by eliminating the need for advances, loans, and the burdens of high-interest credit or payday loans. Additionally, Wagestream offers various financial tools that help businesses support their employees in managing expenses, setting savings goals, and developing financial plans. By addressing these financial challenges, Wagestream seeks to reduce the poverty premium and prevent employees from falling into cycles of debt.

Incuto Limited is a financial technology company based in Ilkley, United Kingdom, that specializes in developing SaaS-based banking software tailored for credit unions, community banks, and Community Development Financial Institutions (CDFIs). Established in 2016, Incuto provides the incuto Hive platform, which streamlines back-office processes, enhances financial education, and facilitates communication and performance management. This technology enables credit unions to offer a range of banking services, including debit cards and bank accounts, while competing effectively with high-cost lenders. The platform is accessible 24/7 on various devices, allowing for quick loan processing and providing crucial support to underserved populations, including those in rural areas. Incuto aims to empower credit unions to operate more efficiently and digitally, ultimately enhancing their service offerings and reducing operational costs.

Switchee Limited, founded in 2014 and based in London, specializes in developing connected devices and analytics aimed at landlords and their residents. The company is recognized as a leader in the Internet of Things (IoT) for social housing in the UK, offering an innovative smart thermostat that optimizes the management of heating and hot water in homes. This device not only reduces energy bills but also acts as a two-way communication platform with residents, enabling landlords to address maintenance issues and improve communication effectively. By leveraging real-time data, Switchee helps landlords manage their property portfolios more efficiently, ensuring better living conditions while also contributing to cost savings for both landlords and residents. The company’s solutions play a crucial role in combating fuel poverty and addressing issues related to damp and mould, enhancing the overall quality of housing management.

JobSkilla LTD is an online platform established in 2016 and based in Oldham, United Kingdom. It aims to connect unemployed individuals with funded training providers and advisers, facilitating access to free, locally funded training opportunities. The platform allows users to search and book relevant courses in their area, while also providing a comprehensive management system for training providers. By assisting unemployed skill seekers in acquiring essential skills for work and life, JobSkilla helps them maximize their potential and enhance their chances of securing employment.