Unlocking change

Fair4All Finance

Fair4All Finance supports the financial wellbeing of people in vulnerable circumstances by increasing access to fair, affordable and appropriate financial products and services.

Fair4All Finance was established in 2019, following a cross-sector consultation process by DCMS on tackling the issue of financial inclusion. They work in collaboration with a range of partners across different sectors to transform affordable credit in the UK.

Esmée made a £23,000 grant to help fund work to develop Fair4All Finance's Theory of Change, which was undertaken by Aleron, in consultation with the affordable credit and financial inclusion sectors. In addition, we incubated Fair4All Finance, providing office space before their subsequent move to Toynbee Hall.



Mainstream financial services can be difficult to access for many people who are on low incomes and have low financial resilience.

Impact goal

In line with our approach to social investment, this work meets our objective to influence the social investment market by enabling a broader, more accessible social investment market.

It will also help us to achieve our impact goals in A Fairer Future:

  • Injustice and structural inequality is challenged and changed
Ben Smith, Head of Social Investment, Esmée Fairbairn Foundation:

As an early, and longstanding, investor in the affordable credit sector we were delighted to be an initial supporter of Fair4All Finance as they seek to scale up the provision of an important component of the UK’s social sector.