Hear our Co-Founder Lucy explain in less than one minute how it works..

SET YOUR GOAL

Tell us your goal, and how much you can afford each month.

CIRCLE MATCHING

We’ll match you to a group of people with a similar financial goal. This will be your StepLadder Circle.

CONTRIBUTING THE SAME AMOUNT

Everyone contributes the same amount each month.

DRAW DAY

Members borrow from and lend to each other and every month, one person in the Circle is randomly allocated the total.

REPEAT

This repeats every month until everyone has received their total goal.