Three complementary businesses. One shared mission.
The Salad Group brings together three businesses, each playing a different role in creating fairer financial opportunities.
From responsible lending and credit building to the technology that powers them, our businesses share one ambition: to help more people access a fairer financial future.
Salad.
Salad (the trading name of Salad Finance Limited) is the UK’s largest consumer Community Development Finance Institution (CDFI), created to give people underserved by mainstream credit greater access to fair, affordable loans. Rather than relying on traditional credit scores, Salad uses Open Banking to understand real financial behaviour and assess affordability based on someone’s circumstances today.
Since 2018, Salad has provided more than £300m in affordable lending to over 200k people across the UK. With social impact at the heart of the business, Salad combines technology, data and responsible lending to widen access to affordable credit and help reduce financial exclusion.
Salad Stella, a teacher and mum of four, needed to travel to Zimbabwe urgently after losing her mother. Despite managing her household finances responsibly, an old credit mistake meant most lenders turned her down.
Salad looked at what Stella could afford today, enabling her to access a loan at a lower cost than the alternatives available to her and travel home to be with her family.
“I was really happy when I was able to borrow from Salad. I could afford the loan and go to Zimbabwe when I needed to. It was hassle free and I was able to tailor my payments to suit me.
“It empowered me to know that I was in control. It saved me a lot of money and boosted my confidence with finances. I just want to say thank you for the opportunity and for trusting in people. I’m sure there are other people in my situation.”
Salad Customer, interviewed May 2025
Salad Technologies.
Salad Technologies is the technology arm of Salad Group, providing the end-to-end infrastructure that powers our lending businesses - from the customer application journey and access to Open Banking data, through to credit decisioning, loan management, disbursements and collections. At its core is our proprietary affordability and decisioning technology, enabling fast, data-driven lending decisions and rapid access to funds - two of the things our customers value most.
Salad Technologies is a Registered Account Information Service Provider (RAISP), providing the regulated Open Banking capability for the Group. Our technology has been developed using eight years of real-world lending outcomes and billions of banking transactions, and has already powered millions of customer assessments. It underpins Salad’s award-winning approach to lending and provides the technology foundation from which Salad Group can develop and scale the next generation of fairer financial products.
Salad Technologies“Salad is a leader in technological innovation, not only among the UK’s CDFIs but in consumer lending to otherwise underserved people.
The impact of this innovation is clear in Salad’s lending figures, Trustpilot reviews and the stories from its customers, and the King’s Award is worthy recognition for this impact.”
Theodora Hadjimichael, CEO, Responsible Finance
Rokit.
Rokit (the trading name of Salad Affinity Limited) is a next-generation UK consumer fintech designed to help credit-invisible and thin-file consumers build their credit profile and access fairer credit.
Rokit is developing the UK’s first unsecured-to-secured credit card, using everyday spending and responsible financial behaviour to help people establish a stronger financial profile, build confidence and improve their access to mainstream credit over time.