Salad Money
Overview
Executive Summary
- Salad Money ("Salad") is creating a mid-cost credit market: an affordable, ethical alternative powered by Open Banking data, not credit scores.
What do we do?
- Salad is the UK's leading Community Development Finance Institution (CDFI) and a member of Responsible Finance, the affordable credit indsutry body. We lend up to £1,500 to key workers with thin/impaired credit scores using a proprietary credit model built using Open Banking and machine-learning technology.
- We maintain a laser focus on affordable, appropriate lending evidenced by market-leading loss rates and zero upheld FOS compliants.
- Our deep and deliberate commitment to social purpose is codified in Salad's Articles and provides a sustainable business foundation.
- We have raised >£60m of debt and equity from banks, asset managers, publicly-funded bodies and high new worth investors.
Vision
- To sustainably serve the £16bn sub-prime consumer market, including the 6 million "credit invisibles" unfairly excluded at present.
- Open up a previously toxic asset class to a new breed of ESG investors.
Problem and Solution
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Why we will succeed
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Corporate Structure
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Current Shareholders & Investors
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