Not enough scale
When commercial non-standard lenders left the market, the responsible sector didn't grow to meet the demand they left behind.
We're building a scalable inclusive lender whose success is measured by customers building real financial resilience and accessing mainstream-priced credit.
Why we exist
Fair, responsible alternatives to predatory lending have shown they can be commercially viable. But three big gaps remain.
When commercial non-standard lenders left the market, the responsible sector didn't grow to meet the demand they left behind.
Credit scores are sticky. People pay higher prices for credit for years because their score doesn't move.
With low financial resilience, each shock leads to the next loan. The cycle doesn't end on its own.
Our bet
We're building BuildUp Credit as a fintech so it can grow to the size of the challenge. We'll judge ourselves on three things.
Whether you invest in inclusive finance, see a way to partner, or want to help build a fairer society where credit lifts people up, we'd love to hear from you.