Employees’ money worries are causing them stress

You could improve your organisation by helping your workers with their money problems.

Money worries cause your workers stress, which has a knock-on effect on attendance and productivity at work.

Salad Money is here to help you solve the problem

Our solution costs nothing to the employer and is a very simple process to implement.

By implementing salary deduction through your payroll we can reduce risk and offer a better rate of 34.9% APR to your employees. This implementation costs nothing to you and is simple to set up.

Salad money

Salad Money is the antidote to toxic loans

We help people access financial education so they can make good decisions with money in the future. And we offer small, affordable loans to cover unexpected needs right now.

Salad Money is here to help you solve the problem

Small, affordable loans for those unexpected bills

Interest rates are comparable to mainstream credit.


Open banking to assess the affordability of loans.
Not outdated and unfair credit scoring, which excludes millions from access to mainstream credit. Our approach means more applications are approved.


The process is quick and anonymous, so employees don’t feel embarrassed.

Salad Money’s

Executive Directors

Salad Money’s day to day leadership is provided by the Executive Directors.
Their focus is to deliver fair lending helping people avoid toxic high cost lenders.

Tim Rooney

Tim has operated within the Consumer data sector for many years combining technology with consumer data sets and latterly open banking data knowledge. In his last role at Big Issue Invest he was responsible for creating the Big View debt tool. He was previously a Commercial Director at Experian dealing with Consumer Credit data.

Emmett Smith

Emmett has extensive experience of designing the lending policies for small affordable loans using the latest technology to provide excellent customer experience. He has an enviable track record of helping people, typically excluded from mainstream credit, to cover unexpected costs with affordable forms of credit.

Eytan Goldfinger

Eytan is responsible for the technology aspects within Salad Money. He has successfully created and deployed the complex process and journey for our borrowers. He is driven by the social impact of our work. He holds an MBA from University of Cambridge and has built products for Google and Travelport.

Phillip Hyett

Phillip is Finance Director at Salad and has over fifteen years’ experience in dynamic FCA-regulated businesses. He was previously Head of Funds at Funding Circle, a global small business loan platform, and Finance Director at Pemberton Asset Management, a European private debt manager.

Salad Money’s

Non-Executive Board

Salad Money is overseen by a board of non-executive directors (NEDs).
The NEDs job is to ensure Salad Money stays true to its mission of providing fair lending and an avenue away from toxic high cost loans for people who need it. The NEDs are not involved in day-to-day management, but they use their wide experience to guide Salad Money’s strategy and development.

Sir Tim Melville-Ross

Tim has many years’ experience running large organisations. His previous roles include CEO of Nationwide Building Society, director general of the Institute of Directors, and chairman of the Higher Education Funding Council for England. He was knighted in 2018.

John Montague

John has worked in the Social Enterprise and Housing Sector for the last 14 years. John established and grew TREES a £9 million multidisciplinary social enterprise based in the East midlands and in 2012 joined Big Issue Invest as Director of Early Stage Business. Prior to joining BII, John led the SPARK programme, the precursor programme to Corporate Social Venturing ‘CSV’.

Sarah Forster

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.

Salad Moneys public responsibility oversight body (PROB)

Salad Money has since its foundation, deliberately placed its oversight into the hands of an independent body of experts.

The PROB is chaired by Lord Iain McNicol a former Non-Executive Director on the Salad Money Board and is responsible for ensuring Salad Money does what it set out to do in a responsible way. The PROB report on Salad Money's progress to make sure its loans are affordable; its business practices are fair; and that 50% of its profit is invested in financial education and reducing the cost of loans. They will also report on Salad’s work with the results of the University of Edinburgh report into the financial health of NHS workers.

Lord Iain McNicol

Chair
Iain is a skilled organisational leader with expertise in politics and the labour movement. His experience includes working in the public sector as well as campaigning and strategic planning. 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.

"PROB will help Salad Money play a growing role in ensuring that real help is given to NHS and public sector workers through access to fairer and affordable borrowing, and other steps towards achieving financial sustainability."

Alan Campbell - Founder of Salad Money

Public responsibility

Oversight body reports

Salad Finance Ltd are authorised and regulated by the Financial Conduct Authority.