Our purpose is clear

We exist to ensure that every business can access the finance and support they need to grow, regardless of any differences they may have.

We focus on the one thing that you need - diverse healthy clients, with the best potential for growth!

Fair, Inclusive, Authentic - our values drive who we are and what we do.

With 20 years of experience in supporting global companies to provide tailored business support and funding for diverse SMEs, our founder felt that there was an ongoing problem, primarily within the financial services sector.

Finance providers face global market disruptions, capital constraints, and regulatory pressures, making them cautious about engaging businesses that fall outside their traditional criteria. Conversely, numerous businesses with substantial growth potential don't fit these criteria's, leading to reduced access to finance and widening inclusion gaps for already underserved enterprises.

The result? Lower growth opportunities for all.

Our focus to tackle this issue underpins our cloud-based client risk platform-as-a-service solution, that we provide to the fintechs, finance providers and companies who choose to partner with us.

Additionally, our unique A.I.R Consulting, our data-led strategic advisory service compliments the insight we provide for our partners, helping them to deliver the solutions we help them to create. This combination enables them to adapt to the shift towards more alternative and inclusive business options, so they can increase mitigate risk, maximise their ROI and accelerate sustainable impact.

Why partner with us?

Our inclusive fintech solution and service was designed and developed in partnership with banks, fintechs, and corporate firms, built around a shared focus to accelerate positive change for underserved businesses.

Our unique and inclusive data network effect enables more cost-efficient identification of high-growth potential clients from a wider pool, and unlocks insights to help you understand what they need to do to grow faster.

Key benefits of partnering with us include:

Increased Cost Efficiency: We drive cost efficiency for you by complimenting your own internal processes, so you can make more informed decisions that foster inclusive client practices, without the heavy expensive of replacing existing legacy technologies or systems.

Risk Mitigation: Benefit from a streamlined evaluation process that reduces current and future risk through the use of actionable data, whilst reducing your operational costs.

Tailored Insights: Our private dashboard can be customised to your specific needs, offering new equitable intelligence on your own clients, based on key performance indicators developed with you.

We strongly believe in inclusivity. It’s not a wishy washy value that we preach for brand or PR. It's not a greenwashing buzzword for us.

It is the very core of who we are, and what we do.

We invite you to get in touch to learn more about how our services can support your organisation.

Contact us today to speak to a member of our team - we look forward to helping you achieve your goals.




Our team

With over 80 years of core experience across Finance, Business Growth Support and Global Technology and Software Design, our award-winning team understand the practical and real-life challenges, of responding to industry and business disruption.

Joel Blake OBE
Joel Blake OBE
founder & Ceo
Joel has over 20 years' experience of inclusive business growth support. From providing consul to No.10 Downing Street advisers, to public speaking on international stages, Joel is passionate about inclusive finance and SME growth.

Previously, he co-founded a financial lending firm, is the former President of the Commonwealth Chamber of Commerce, and was awarded an OBE in 2016 for Services to Business Support and Enterprise.
Stuart Muckley
Milan Miskov
PRODUCT LEAD
 With 20+ years of technology and product experience in Belgrade, US and the UK, Milan has a proven track record of managing complex projects, utilising the latest tools and advanced technologies to help drive SME growth. 

He has previously worked with Google, Visa-Mastercard, Coca-Cola, and Virgin Media among many others, helping to drive innovation to support the
growth of businesses.
Joanna Hill
John Macpherson
STRATEGY ADVISOR
John is a business leader with over 20+ years of extensive B2B commercial experience in FinTech, financial services and data management with global firms, across global markets and geographies.

Having previously worked for JP Morgan, Goldman Sachs, CitiGroup and Nomura, John also supports the wealth and asset management market as Chair of the Investment Association (Engine).
Samuel Roberts
Theodora Hadjmichael
INDUSTRY SUPPORTER
Theodora is Chief Executive of Responsible Finance, the UK's leading body for the development and support of the responsible finance industry.

Theodora spent 6 years building the robust evidence base of data on member performance and industry trends. She previously worked in economic development consulting and community finance in the US.
Theodora Hadjmichael
Mark Body
ADVISORY BOARD MEMBER
Mark is the former Global CFO for HSBC ServCo, a £18 billion business unit with the global HBSC Group. He has also held several executive and finance positions within Standard Chartered, Aviva and KPMG. 

Mark is a Fellow of the CMI and the Association of Taxation Technicians, alongside advisory board member of Norwich Business School the Metropolitan University in Hong Kong.
Marcus Scott
Marcus Scott
ADVISORY BOARD MEMBER
Marcus is the former COO of The CityUK, the UK’s leading lobby group for the financial services sector. He was instrumental in the work of the ReCapitalisation Group recommendations to UK government on the £100bn COVID finance debt.

Prior to The CityUK, Marcus built up over 10 years' experience as a CFO for a number of technology companies, developing start-ups and high growth businesses.
Marcus Scott
Sam Roberts
ADVISORY BOARD MEMBER
Sam is a Demand Generation expert who helps B2B SaaS companies increase qualified revenue through marketing.

Sam has over 8 years of experience working across early to mid-stage B2B tech companies (from securing series A investment through to supporting the £65 million acquisition of a global CX vendor).

Our Awards

We are grateful, with a few reasons for you to be excited! 

Best Credit Risk Management Platform - Fintech 2023  
Top 20 of UK Fintech50 2023 - Most Innovative Financial Technologies
Awarded one of Midlands Top 50 Tech Disruptors 2023  
Awarded
Fintech of the Year 2022  
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UK’s Top 10% most innovative start-ups to help financial services tackle COVID impact

UK Top 40 Emerging FinTech (NatWest Accelerator)
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IA Engine
Innovator Alumni



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One of the 50 most inspiring, prominent, and influential black voices in UK tech (Joel Blake OBE)
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UK Top 100 Fintech Startups 2019
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Rising Stars Regional Award Winner 2018


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Book your FREE client
audit today!

Speak to a member of our team to learn more about how you can identify best fit clients, with less risk, less cost and more inclusively!