Don’t invest unless you’re prepared to lose all the money you invest. This is a high - risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more

Don’t invest unless you’re prepared to lose all the money you invest. This is a high - risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more

Read our full Risk Warning

Ethex uses some cookies which are essential for the site to work. We also use cookies to gather analytics and personalisation of ads. All data collected is anonymised. You can read full details in our Privacy Policy.

Cookie Settings

Fair for You

Ethical Finance - Bonds

2% raised
8%

Forecast
return

Investors
10
Days left
94
Raised so far
£9,365

Fair for You provides vulnerable families, who can’t access mainstream credit, with flexible and affordable loans to enable them to buy essential household items.

IFISA
Min investment: £50
Target
£500,000
Min raise
£350,000
Offer opened
08/09/2025
Closing date
12/12/2025
cycling race illustration
  • Where your money goes
  • Team
  • Documents
  • Updates
Load more

To see the rest, join now. It's free, quick and easy.

Due to financial regulations, you need to register to view the full investment opportunity.

Register now

already registered?

Login.

Updates

No updates.

Success! You've been added to the audience.

Something went wrong. Please try again.

Fair for You Enterprise CIC
Company number: Number 09798014
Coventry 
Incorporation date: 28 September 2015

Your money will…

  • Support vulnerable and low-income households in Scotland with fair and affordable lending that they can’t access from mainstream lenders.

  • Enable families to purchase essential items such as cookers, beds and washing machines without falling into a spiral of debt.

  • Improve financial well-being by helping people rebuild their credit rating when they make repayments.

  • Earn a potential return Investments in the bond offer a target return of 8%. payable free of tax if held within an IFISA.

The bigger picture

Accessing affordable finance is a major challenge for many low-income families in the UK, particularly in Scotland, where 36% of adults are financially vulnerable and one in four cannot cover a £500 emergency expense without borrowing. When turned away by mainstream lenders, nearly 10% of people resort to loan sharks, risking spiralling debt and exploitation. Since 2015, Fair for You has provided flexible, affordable, and ethical credit to financially vulnerable families across the UK for the purchase of household goods and essential services. In this time, they have: 

  • Provided over 250,000 loans (totalling £92m) to 100,000+ customers across the UK.
  • Created £16 of social impact for every £1 loaned to customers.
  • Helped an estimated 71% of customers move away from high-cost credit, realising almost £9 million in financial savings.
  • Launched their 0% Food Club, tackling food poverty and helping 71% of users improve their diets.
  • Had a direct positive impact on the health and well-being of over 65% of their customers.

    • *IFISA eligibility depends on investors' individual tax status and current legislation.

What your money will do

Your investment in Fair for You will:

  • It will play a vital role in launching Fair for You’s expansion into Scotland, where demand for affordable and ethical credit is especially high.
  • It will enable them to launch their expansion plan to reach 50,000 more families, unlock £17million in lending, creating £272 million in social impact over 3 years.
  • It will support Fair for You's vision of helping over 100,000 customers to access affordable credit by 2030.
  • It will fund the development of pioneering initiatives designed to help more families find a fair and sustainable alternative to illegal lending.

Team

Fair for You is determined to build on this successful model and this share offer will help them fund the next phase of their work: https://www.fairforyou.co.uk/

Howard Bell

Chair

Howard’s operational career has involved scaling and accelerating commercial growth for a number of now market-leading digital brands. Howard was a co-founder of PayPal Europe, CPO at Content Technologies, CCO at JustGiving and CCO at FutureLearn. He has also led transformation strategies at Dow
Jones and Barclaycard.

Uma Cresswell

NED

HR adviser to a number of FTSE businesses as well as Board Member of the English Football League Trust.

Ali Chaudhry

NED

 CEO of Blue Motor Finance and former CCO at Sainsbury Bank, who brings significant credit risk and sector expertise.

Kumaran Adithyan

NED and Chair of the Fair Credit Charity

Kumaran has over 20 years of experience in the e-commerce sector. In his current leadership role at eBay, he brings valuable expertise in developing strategic partnership and international finance and governance specialist.

Mark Trenavin-Body

NED

Mark brings significant expertience on audit, risk, and business grown in social impact businesses.

Simon Dukes

CEO

Simon is an ex-senior civil servant who has over 12 years’ experience running and scaling social enterprises and not-for-profits including Community Pharmacy England and the UK’s Fraud Prevention Service, Cifas.

Emma Goodwin

Deputy CEO

Emma is a former Deloitte Chartered Accountant with management experience in a number of FTSE businesses.

Chris Bennett

Chief Commercial Officer

Chris is Chief Commercial Officer and was instrumental in setting-up the business in 2015.
He is also our Company Secretary.

Adedoyin Adesina

Head of Compliance

she is a qualified lawyer and compliance professional. 

Isolyn Donaldon- Ellison

Head of External Affairs

a former compliance and operations professional with over 14 years’ experience across global financial institutions, start-ups and not-for-profits.

Dr Steve Merry

Head of Digital and Technology

Steve joined Fair for You in August 2020, to head up our technology team. Steve has previously worked in the energy sector for around 20 years - this included leading large operational teams and outsource partners and management of smart meter roll out in different energy suppliers. He is now leading a technological change programme throughout Fair for You supported by our technology partners, the global tech consultancy CGI.

Team Member Name 12

Team Member Position 12

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud. 12

Interest accrual and payment

Bond interest payments will start on the anniversary of the issue date in each calendar year with the first payment falling in 2026


Getting your money out

Fair For You may at its absolute discretion, at any time following the death, critical illness or other exceptional circumstances of any Bondholder, redeem the whole or part of the Bonds held by such Bondholder. 

Investing on behalf of children

Applicants must be 18 years old or older and investments cannot be made on behalf of children.

Interested in Affordable Finance investments?

Get notified via email when new investments go live

Ethex is proud to be an Ethical Consumer best buy

best buy logo

Investments offered on the Ethex platform are not readily realisable, which means that they may be difficult to sell and you may get back less than you originally invested. Investments are not covered by the Financial Services Compensation Scheme (FSCS) and returns are not guaranteed. If you are in any doubt, you should contact an Independent Financial Adviser.

Risk Warning

Investments offered on the Ethex platform are not readily realisable, which means that they may be difficult to sell and you may get back less than you originally invested. Investments are not covered by the Financial Services Compensation Scheme (FSCS) and returns are not guaranteed. If you are in any doubt, you should contact an Independent Financial Adviser.