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Fair for You
Ethical Finance - Bonds
Forecast
return
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.
- Where your money goes
- Team
- Documents
- Updates
Updates
Watch a recording of our Cuppa Club chat with Fair for You
18th September 2025
We recently spoke to Simon and Emma from Fair for You to learn more about what they do and what the bond will fund. You can watch a recording here.
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
- 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
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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.
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