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Our Mission

We’re providing borrowers with alternative type of lending. How are we doing this? By using a completely new method of affordability assessment removing the need for a strong credit score. We assess our applicants on the here and the now, because when it comes to lending money….. You’re more than your score!

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Business handshake

Our Mission… Fair Lending.

We’re providing borrowers with an alternative to toxic high-cost lending. How are we doing this? By using a completely new method of affordability assessments and doing away with out-dated credit score. We judge our applicants on the here and the now….that’s Fair Lending.

Measuring our success

Salad Money use the UN framework of social impact assessment to measure how we are performing in our social goals. There are 5 million+ public sector workers and we look at the following impacts we can have on them:


The credit market re-imagined

For many credit score is not a fair way to be assessed for a loan. Excluding these applicants from affordable credit only drives them to toxic lenders. We’re changing things…using our Open Banking application process, we can lend money to those in the public sector harshly excluded by the mainstream lenders.

Where it all began

Salad Money was established in 2018 after the identification of a severe lack of affordable credit for individuals with impaired credit score. Open Banking was identified as the technological solution and carried forward by CEO Tim Rooney. Salad Money to date has lent over £11m to people working in the public sector.

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Why we are different

The social goals of the business come at the heart of everything we do, our employees are driven by helping people and the pleasure we get is through hearing about the support we have provided.

Benefits checking: Find out what you could claim

Did you know £16bn in benefit entitlement goes unclaimed each year in the UK? Ensure you are claiming what you are entitled to, using our free benefit checker below.

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"Working at Salad has been an amazing opportunity and experience. Helping people and putting a stop to toxic lending is a great cause to be a part of!"

Alex Mackenzie - Data Team Lead

University of Edinburgh report

Salad Money is committed to creating a fairer and more inclusive financial market for all. Understanding the current financial situation of consumers in the UK is key to this. As such we commissioned the UNIVERSITY OF EDINBURGH to review our anonymised data to produce an independent report on the current financial state of key workers in the UK.

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Salad Money is ultimately owned by Alan and Agnes Campbell. Alan founded the business as an ethical alternative to payday lending. He also owns Salad Money Mind, a free benefits checker, and previously ran a not for profit campaigning service, Debt Hacker.

Our Leadership

Salad Money’s Board are an experienced group who are driven by the social aspects of the business.

Tim Rooney

Tim is a seasoned entrepreneur with a track record of building technology businesses. Following an early career in property management, Tim created an online tenant and candidate verification platform which eventually captured 5% of the UK tenant referencing market. Subsequently Tim developed innovative software utilising consumer datasets for Experian, Big Issue Invest and Barbon Insurance, a Carlyle-backed investee company. Tim continues to be a passionate proponent for appropriate and affordable lending, and serves as a non-executive director of Responsible Finance, the national membership body for providers of responsible finance.

Emmett Smith
Risk Director

Emmett has over twenty years’ experience working in consumer credit principally serving the credit excluded within a start-up or innovation environment. He has risk management, commercial and regulatory knowledge encompassing loans, credit cards and retail finance. Previous roles include Senior Credit Risk Manager at Vanquis, Head of Credit Risk at Close Brothers Retail Finance (acquired by Klarna in 2017) and Head of Personal Loans at NewDay. He holds a MSc from Lancaster University and a BSc from Southampton University.

Phillip Hyett
Finance Director

Phillip has sixteen years’ experience working in FCA-regulated start-ups and boutiques. He has broad financial services knowledge encompassing asset management, wealth management, fintech and lending. Previous roles include Head of Finance at Inflexion Private Equity, Head of Funds at Funding Circle and Finance Director at Pemberton Asset Management. He is a Fellow of the Institute of Chartered Accountants in England & Wales and holds a MA from Oxford University.

Sir Tim Melville-Ross

Tim worked for Nationwide Building Society for 20 years, the last 10 as CEO. During this period he initiated and oversaw a whole range of initiatives aimed at making both personal financial services and house purchase easier for members on low incomes. Subsequently he was Director General of the Institute of Directors, and then Chair of several organisations including public companies, Royal London Insurance (the largest mutual insurer), Investors in People, the Higher Education Funding Council for England, and Homerton University Hospital NHS Trust. As well as chairing Salad Finance, he is currently involved in a range of activities with a social purpose.

John Montague
Non-Executive Director

John is the Managing Director of Social Business Development. Social Business Development works across the public/private and social economy sectors to establish value-led partnerships that can deliver scale, sustainability, and improved social impact in the UK. John has worked in the Social Business sector for over twenty years creating and growing social businesses. He was for seven years a director at The Big Issue Group, a member of Big issue Invest’s investment committees and led on the development of The Rental Exchange initiative with Experian. John is a non-executive director of several social businesses and charities across the UK and holds advisory roles on several FinTech organisations. John is passionate about providing opportunities and support to areas of society that are being under-served by current and appropriate public services.

Sarah Forster
Non-Executive Director

Sarah is CEO and Co-Founder of The Good Economy Partnership. Sarah has worked at the forefront of finance for positive impact for more than 25 years, working in the fields of sustainable economic development, development finance and impact measurement and management. In 2017, she was recognised as one of the UK's leading Women in Social Enterprise.

Paul Scales
Non-Executive Director

Paul is an Executive Vice President with the Capgemini Group where he has undertaken various leadership roles including Business Unit CEO, Board General Secretary, Global Programme Leadership, Corporate Development and Head of Commercial & Risk. He also represents Capgemini on a number of industry bodies, including the Confederation of British Industry and the French Chamber of Commerce in the UK.

Paul has also held Non-Executive Director positions with Working Links ltd, helping people into employment to change their lives and create new futures and with The Big Issue, aiming to eradicate poverty.


The Public Responsibility and Oversight Board was established by Salad Money with the purpose of ensuring that everything Salad Money does is based around its social impact. By creating this independent board Salad Money can ensure social impact is at the forefront of everything we do.

Lord Iain McNicol

Lord Iain McNicol of West Kilbride is a British Labour politician and trade unionist . He is a Labour member of the House of Lords having being introduced in July 2018. He is a life Baron. Iain served as the General Secretary of the Labour Party from 2011-18, moving from the position as National Political Officer of the GMB Union. He has a long history of organising in both the Labour and trade union movement. He is also on the board of the National Citizen Service (NCS).

Farzana Hakim
Board Member

Farzana Hakim is a government and political relations expert, currently heading up Public Affairs for Govia Thameslink Railway. She has been the Director of her own company, International Securities Services and Head of Trading, working with the financial services sector, as well as a consultant on political and equality matters. She previously worked as Political adviser to the Chair and Chief Executive at the Equality and Human Rights Commission and served as Director of corporate and government relations at the Commission for Racial Equality.

Tracey O’Keefe
Board Member

Following a marketing and business development career in the public and private sectors, Tracey now works with voluntary, community and social enterprise organisations to increase their sustainability and social value delivery. Tracey is a firm believer in business as an agent of social change and believes in building partnerships between the private, public and social sectors to deliver support to those who most need it.