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Investing in a fairer finance system
At its heart, Equality is about fairness. Diversity is about representation. Inclusion is about belonging. When we invest in solutions like Salad Money, we support all three of these by helping provide fair loans based on actual need and affordability, not outdated systems.
At Ethex, we believe that everyone deserves access to fair, affordable financial services, regardless of their income, credit history, or background. That’s why we’re proud to host Salad Money’s third bond offer, helping transform the way underserved workers access credit.The system is broken for those who keep it going
Many of the people who hold our society together—nurses, teaching assistants, care workers, and public service staff—are often denied access to fair and affordable credit. Despite having stable jobs, they are often excluded from mainstream lending due to traditional credit scoring systems that don’t take their real-life circumstances into account.
This leaves them vulnerable to high-cost payday lenders, unregulated loans, or going without essentials entirely. It's an issue that disproportionately affects people in lower-paid but essential roles, many of whom come from minority or deprived backgrounds.
A fairer approach
Salad Money is tackling this challenge head-on. By offering small, affordable loans to NHS and other public sector workers, they’re helping people avoid predatory borrowing and the spiral of debt while promoting overall financial wellbeing.
What sets Salad apart is their use of Open Banking technology to assess affordability based on real income and spending patterns, not outdated credit scores. This enables them to reach people who are typically underserved, offering a vital safety net with dignity and respect.
Since launching, Salad has lent over £150 million to more than 100,000 customers who would otherwise be locked out of the financial system, providing not just financial support but also empowering individuals to build more secure futures. While they can’t provide loans to everyone who applies, they offer help in identifying the benefits people are entitled to, and to date, they’ve helped people identify millions of pounds in unclaimed benefits they are entitled to.
How investments make a difference
When you invest in Salad Money through Ethex, you’re doing more than just seeking a financial return. You’re contributing to a fairer, more inclusive financial system. Your investment helps Salad grow their loan book, reach more underserved people, and deepen their social impact.
This approach is consistent with the values of equality, diversity and inclusion (EDI). Financial inclusion is a product and producer of systemic inequality. By supporting an organisation that puts an underserved and overlooked customer first, you are helping level the playing field to make sure that someone’s past spending, ethnicity or income no longer dictates whether they have access to basic financial services.
Financial inclusion is an EDI issue
At its heart, equality is about fairness. Diversity is about representation. Inclusion is about belonging. When we invest in solutions like Salad Money, we support all three of these by helping provide fair loans based on actual need and affordability, not outdated systems, while reaching people from a broad range of ethnic, socio-economic, and geographic backgrounds, making sure no one is left behind when it comes to financial wellbeing.
Support a fairer financial future for all
For its customers, Salad is more than a lender—it’s a lifeline. By investing, you can help to build a future where everyone, regardless of income, has the opportunity to thrive. Their latest bond offer is open on Ethex now, targeting a 9% annual return for investors that is paid tax-free if held within an IFISA – find out more:
https://www.ethex.org.uk/invest/salad-money-iii
Ethex is proud to be an Ethical Consumer best buy
