Emma Steele

Happl (YC W22) Personalised benefits for employees to choose what’s right for them, and tools for managers to engage their teams, whilst we take care of all the compliance and admin. 💚🌍⚡

Traditional credit scores are outdated and offer a very limited picture of what people can actually afford right now and in the future. As a result, many of these people fall into the trap of short-term, high-cost credit or predatory lending that only provide stop-gaps, not solutions. It’s time for a better, more inclusive way to lend. Which is where we come in. Plend is an open-data lender that provides affordable and longer-term loans to our customers across the UK. Our bespoke technology, The PLEND Score® assess borrowers affordability rather than solely relying on the credit score - making our product more accessible, accurate and cheaper. The PLEND Score® uses open banking to assess a wider range of real customer data, accurately measuring affordability based on tangible figures and patterns. In this way, we are able to provide a more inclusive way to lend, offering a fair alternative to the existing loan landscape, not just for those with black marks against their credit reports, but for everyone. Backed by Nationwide Building Society, Active Partners, Fair By Design, Tomahawk.VC, DD Venture Capital and Haatch Ventures To find out more, visit us at www.plend.com or follow us on Instagram at @plend.uk Authorised and regulated by the Financial Conduct Authority: FRN 963328

Incuto is a socially profitable financial technology company, based in the north of the UK. We work with Credit Unions and the Community Banking sector, as a technology partner, to develop financial technology aimed at helping everyone access low cost, high quality financial services. We recognised that the credit union and community banks have a legacy debt of technology, requiring back-office efficiency, improved access to information and affordable access to the payment networks, to allow them to become real challengers, and better serve their communities.

Three million people now have access to the Stream platform through 2,000 brands - across the U.K., Europe and U.S. - making us the worlds most widely-used financial wellbeing provider. Offered through major employers like Bupa, Asda, New Balance, Hilton, Burger King and the NHS, our platform helps our members to build brighter financial futures. Stream Platforms, Ltd is a B corporation, built with a social charter to provide fair financial services.

Switchee improves the quality of life for people living in rented homes. Switchee delivers real-time data that gives social housing providers the insights and tools needed to support residents and proactively manage homes. These actionable insights enable our customers to optimise energy efficiency, reduce costs, and improve resident satisfaction. With a Switchee device installed, residents optimise energy use, lower heating bills by 17% and reduce energy consumption – future proofing homes and driving towards Net Zero. With more than 120 clients across the UK and abroad, our technology is tried and tested with social housing providers. Proudly B Corp™ Certified

Credit Kudos is an Open Banking credit reference agency. We help credit providers make better decisions using better data. Built on top of Open Banking data, our suite of innovative products enable commercial and consumer lenders to automate decisioning, responsibly increase acceptances, and reduce risk. Credit Kudos is authorised by the Financial Conduct Authority and integrated with leading lenders and brokers, including Curve, Admiral, Atom bank, LendInvest, and CarFinance 247.

Happl (YC W22) Personalised benefits for employees to choose what’s right for them, and tools for managers to engage their teams, whilst we take care of all the compliance and admin. 💚🌍⚡

Traditional credit scores are outdated and offer a very limited picture of what people can actually afford right now and in the future. As a result, many of these people fall into the trap of short-term, high-cost credit or predatory lending that only provide stop-gaps, not solutions. It’s time for a better, more inclusive way to lend. Which is where we come in. Plend is an open-data lender that provides affordable and longer-term loans to our customers across the UK. Our bespoke technology, The PLEND Score® assess borrowers affordability rather than solely relying on the credit score - making our product more accessible, accurate and cheaper. The PLEND Score® uses open banking to assess a wider range of real customer data, accurately measuring affordability based on tangible figures and patterns. In this way, we are able to provide a more inclusive way to lend, offering a fair alternative to the existing loan landscape, not just for those with black marks against their credit reports, but for everyone. Backed by Nationwide Building Society, Active Partners, Fair By Design, Tomahawk.VC, DD Venture Capital and Haatch Ventures To find out more, visit us at www.plend.com or follow us on Instagram at @plend.uk Authorised and regulated by the Financial Conduct Authority: FRN 963328

Onstage is a venture platform with reach across the ecosystem, designed to maximise distribution - connecting founders with the right investors, operators, customers, and partners to scale, while also linking GPs with LPs.

Good Food Fund is a new £1.8m Accelerator and Venture Fund which will back ambitious food and drink challenger brands ready to help tackle childhood obesity. Our aim is to deliver market-led solutions to one of the biggest challenges facing the nation’s health. The fund is a partnership between Ascension Ventures, Big Society Capital, Guys and St Thomas Charity and Mission Ventures.

Incuto is a socially profitable financial technology company, based in the north of the UK. We work with Credit Unions and the Community Banking sector, as a technology partner, to develop financial technology aimed at helping everyone access low cost, high quality financial services. We recognised that the credit union and community banks have a legacy debt of technology, requiring back-office efficiency, improved access to information and affordable access to the payment networks, to allow them to become real challengers, and better serve their communities.