Fair By Design

SuperFi Finance is a London-based financial application company founded in 2021, focused on providing personalized debt support to users. The application is designed to assist bill providers in helping their customers manage their bills and avoid problem debt, particularly during challenging economic times such as the Cost-of-Living crisis. By consolidating various sources of debt and bills into one easy-to-use platform, SuperFi empowers users to maximize their incomes, reduce their expenses, and manage their payments effectively. This approach not only aids users in paying their bills on time but also enables bill providers to enhance customer outcomes while lowering 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 operates a real estate services platform that helps first-time homebuyers transition from renting to ownership. Through a rent-to-own program, the platform bridges the gap between renting and owning by connecting users with vetted advisors and managing home-buying transactions, offering personalized guidance and a transparent, simple, fast purchasing experience. The company aims to enable the next generation of homeowners in the UK by simplifying decision-making and facilitating access to property ownership.

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 company that provides online services aimed at simplifying the process of planning for and managing end-of-life matters. The platform enables users to create and manage wills, covering all necessary legal aspects with expert reviews to ensure accuracy and compliance. Additionally, Octopus Legacy offers funeral management services designed to alleviate stress during bereavement. Their services include coordinated support, a private communication space, a to-do list, and a secure online hub for sharing funeral information, allowing families to navigate the challenges that follow the loss of a loved one more easily. Through its focus on accessibility and support, Octopus Legacy seeks to streamline end-of-life planning and provide essential resources for those facing grief.

Incuto Limited, established in 2016 and headquartered in Ilkley, UK, is a financial technology company specialising in SaaS-based banking software for credit unions, community banks, and CDFIs. The company's flagship product, incuto Hive, is a comprehensive platform supporting back-office processes, financial education, communication, performance management, and service provision for these institutions. Notably, the platform enables credit unions to offer digital banking services, including on-balance-sheet debit cards and sort codes, allowing them to compete with traditional banks and high-cost lenders while serving rural communities and those without physical bank access.

Homeppl, Ltd. is a London-based company that offers an innovative internet platform designed to streamline the rental process for both renters and landlords. Founded in 2016, Homeppl enables renters to create a digital rental resume known as the Homeppl Smart Profile, which assists landlords in assessing potential tenants more effectively. The platform features a risk assessment tool that helps landlords avoid unsuitable candidates and approve more applicants by integrating instant fraud analysis and affordability assessments into their decision-making processes. Homeppl serves a diverse clientele, including prominent global corporations and fintech companies, ultimately aiming to facilitate fair rental agreements while minimizing the risks of fraud and defaults.

Organise is a company dedicated to empowering individuals in the workplace by providing a platform that facilitates collective action. Its mission is to equip employees with the necessary tools, support network, and confidence to implement meaningful changes in their work environment. The platform allows users to share ideas for workplace improvements and enables colleagues to collaborate on campaigns aimed at enhancing their collective experience. By fostering a sense of community and encouraging participation, Organise aims to help workers secure better conditions and outcomes in their professional lives.

Credit Kudos Limited is a London-based credit bureau that operates an online credit scoring platform in the United Kingdom. The company enables borrowers to securely share their creditworthiness with lenders and brokers by connecting directly to their online banking data. This innovative approach allows lenders to quickly assess an individual's suitability for credit through a transparent scoring system based on consumer transaction data. Credit Kudos employs machine learning to enhance its credit assessment processes, promoting financial inclusion and improving credit availability. Its services include an online dashboard for affordability requests and tools like Atlas, an underwriting platform that leverages Open Banking data, as well as the Reports API, which facilitates automation in lending decisions. Founded in 2015, Credit Kudos aims to provide a fairer representation of creditworthiness and assist lenders in making informed decisions.

SteadyPay Limited, founded in 2017 and based in London, United Kingdom, is a financial technology company focused on improving the financial wellness of gig economy workers. The company has developed a mobile application that allows users to securely link their bank accounts and calculate their average income. By monitoring income fluctuations, SteadyPay provides a top-up service to ensure that workers receive a consistent income even during periods of reduced earnings, such as fewer bookings or sick days. This top-up is offered without interest, functioning as a subscription credit service aimed at helping users budget confidently for everyday expenses. By smoothing out income volatility, SteadyPay reduces the reliance on high-cost credit solutions, thereby helping gig workers maintain financial stability and avoid debt spirals.

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, established in 2016 and headquartered in Ilkley, UK, is a financial technology company specialising in SaaS-based banking software for credit unions, community banks, and CDFIs. The company's flagship product, incuto Hive, is a comprehensive platform supporting back-office processes, financial education, communication, performance management, and service provision for these institutions. Notably, the platform enables credit unions to offer digital banking services, including on-balance-sheet debit cards and sort codes, allowing them to compete with traditional banks and high-cost lenders while serving rural communities and those without physical bank access.

Switchee Limited is a technology company based in London, United Kingdom, specializing in connected devices and analytics for landlords and residents in the social housing sector. Founded in 2014, Switchee has established itself as a market leader by providing an Internet-connected smart thermostat that enables effective management of heating and hot water in homes. The company's solution empowers large residential landlords to optimize their property portfolios by identifying maintenance issues, reducing fuel costs, and enhancing communication with residents. Switchee's thermostat not only helps landlords save money—yielding a return of £2 for every £1 invested—but also fosters improved living conditions by addressing issues like fuel poverty and dampness. The device serves as a two-way communication platform with residents while collecting environmental data that informs a comprehensive insights engine and landlord dashboard. Through its innovative approach, Switchee has transformed the interaction between landlords and residents, making property management more efficient and responsive to the needs of tenants.

JobSkilla Ltd, established in 2016 and headquartered in Oldham, UK, operates an online platform that connects unemployed individuals with funded training programs and support providers. The platform aims to simplify skill development and job search processes by facilitating communication between these parties, enabling users to find suitable courses and enhancing employability prospects.