fair financial services
that people love


Lending Works was born out of the belief that the
benefits of financial services should be available to everyone.

Welcome to fair financial services

Lending Works isn’t like old fashioned financial services companies. We seamlessly connect people that want to invest their money with sensible borrowers who want to get a better rate on their personal loan, so both can get a better deal. Rather than focusing exclusively on profits, we focus on being fair, transparent and honest. These values not only make us proud of the way we treat our customers, but also help us to set a new standard in financial services.

Our story

Our story

Having observed the impact of the 'fair trade' movement, and how connecting people directly via the internet had already transformed other industries, co-founders Nick and Matt set out to bring this change to financial services. They quickly realised that all people really want from financial services is a fair deal. And so the idea for Lending Works was born.

Through many months of hard work, the Lending Works idea grew from a basic concept on the back of an envelope into a dynamic business, which finally launched in January 2014 from a little office in Farringdon, London. Since mastering the art of office furniture assembly, Nick and Matt have taken on new responsibilities, namely the roles of CEO and CFO, and brought in a talented team to drive Lending Works forward. While the Lending Works team continues to grow rapidly, our focus has never shifted. We remain dedicated to 'pioneering fair financial services that people love'.

Retail Finance

As part of our promise to deliver world-class financial services which genuinely puts the customer first, we’ve expanded our business into the retail finance sector. What does this mean for you?

In short, we’ve partnered with many of the UK’s leading retailers to deliver fast, effective and competitive point-of-sale finance. So you can make your purchase now, and pay later – all at the click of a button, and safe in the knowledge that you won’t be paying a penny more in interest than you should.

You can find out by clicking here

Our mission

We will achieve our vision by putting fair first and continually innovating to offer the best possible user experience.

Our relentless focus on outstanding customer service, honesty and transparency will ensure our customers love using Lending Works and trust the services that we offer, while our focus on living our company values will ensure our employees and partners feel valued, enriched and rewarded.

Key Statistics

It’s important to know who you'll be lending your money to.

Average amount lent

Average loan size

Total arrears rate

More statistics

Our values

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Meet the team

Richard Priestman

Non-Executive Chairman

Prior to joining Lending Works as Chairman, Richard was Managing Director of Corporate Businesses at Lombard and held various Board director roles including at the Finance and Leasing Association (FLA).

Jason Mackay

Advisor to the Board

Jason was a Managing Director at Morgan Stanley and co-head of GLG's UK equity business, responsible for managing $3bn of assets, before becoming both an investor and Board member of Lending Works.

Rajiv Puri

Head of Compliance and General Counsel

Previously legal, regulatory and compliance counsel at American Express and Vanquis Bank, Rajiv helps ensure best practice policies and procedures are employed throughout the business.

Nick Harding

Co-founder, CEO and Executive Director

Having spent almost a decade in financial services, Nick was well placed to identify the frustrations experienced by consumers and decided to do something about it by founding Lending Works.

Matthew Powell

Co-founder, CFO and Executive Director

Qualifying as a Chartered Accountant at EY, Matt spent almost a decade working with clients including FTSE 100s and multinationals, before co-founding Lending Works.

Luis Felipe Farfan


With 14 years of international development experience across a range of industries, Felipe’s responsibilities at Lending Works are to develop pioneering solutions for our platform and to grow our first-class development team.

Richard Litchfield

Head of Credit Underwriting

Having gained significant experience in managing credit risk and underwriting teams over the past 15 years, Richard ensures that we maintain the highest standards of lending.

Charlie Pidgeon

Non-Executive Director

As an investor director, Charlie supports the management team and works with the Board to develop the strategic direction of the business, drawing from his experience working with a wide range of companies over the past 10 years.

Richard Priestman
Jason Mackay
Rajiv Puri
Nick Harding
Matthew Powell
Luis Felipe Farfan
Richard Litchfield
Charlie Pidgeon