Change Lives with Collaborative Finance

Offer Saving Circles to your Customers

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Circles powered by StepLadder

A revolutionary new savings product which you can white-label to engage and retain your customers, increase your market share and generate revenue

Provide a better service for your customers with a real commercial benefit

Digital savings circles offer your business a capital-light model to generate additional fee and referral income without balance sheet risk.
Community is the antidote to churn in personal finance. Our savings circles are naturally social and the power of the community can help increase customer engagement and decrease churn.
Many of your potential customers are using an offline version of these savings circles. Capture a larger market share by offering these easy-to-use, innovative digital Savings Circles.
Offer your customers these innovative digital Savings Circles to save money to reach their WOW moments - whether that’s buying their first home, paying for a wedding, starting a family or funding education. They’ll never forget you.
Offer a social savings product to enhance financial wellbeing and help your customers reach their financial goals. When you help somebody reach an important goal they are 3x as likely to be loyal and a positive promoter of your company
A healthy and sustainable alternative to Buy Now Pay Later schemes. With Savings Circles your customers can Buy Now Pay Responsibly.

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Your customers are already using this…

Savings Circles have been used around the world for hundreds of years. But until now they have been offline, informal and not scalable. This model of saving in groups goes by over 100 different names depending on where you are in the world. Offering digital Savings Circles is a great way to attract new customers who are already familiar with the product but want something digital, safe and affordable.

Seize the opportunity

Why work with us?

Digital Savings Experts

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Plug + Play API Delivery

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Designed for Customers.

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Structured for Scale

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Capitalise on Megatrends

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Adaptable for your market

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Some other business we’re helping…

How does a Savings Circle work?

Step 1 - Match

People get matched to a group of people with a similar financial goal and everyone contributes the same amount each month, for example £25 a month for 10 months to raise £250.

Step 2 - Draw

Each month one person gets drawn and is awarded the total, in this example £250.

Step 3 - Repeat

This process repeats every month until everybody has received their £250.

Why do savings Circles matter?

1. SPEED

By working together 9/10 people reach their savings goals faster
2. COMMUNITY

Stay discplined and get motivated with a community of other home buyers.
3. SUPPORT

Access expertise and knowledge that has helped 100s of people buy their first home.

Read Customer Reviews

About Us

The Team

Lucy Mullins

All about the People
Lucy has 20 years experience working in education and finance at the University of Oxford and HSBC. Lucy was named Fintech Champion of the Year in the Women in Finance Awards 2020 and Innovator of the Year at the Women in IT Awards 2020.
Matthew Addison

All about the Product
Matthew started StepLadder to make a lasting positive social impact through collaborative finance, which he studied at Wharton. Matthew has spent nearly 20 years in finance and investments at firms including Goldman Sachs and Cheyne Capital.
Dmitriy Portnyagin

All about the Technology
Dmitriy is a seasoned product manager, having helped grow multiple B2C and B2B startup customer journeys. He began his career at PWC and Intuit. Dmitriy heads up the development team, ensuring the smooth transition of the software for new clients.
Bella Percy-Hughes

All about the Marketing
Bella is a brand strategist, marketer and designer who led the launch of a variety of high-growth consumer businesses into UK markets. Bella has extensive experience in paving the way for emerging products and trends to break into new sectors.
Sarah Garrett

All about the Community
Sarah refined her operational and organisational expertise at Adare International and Royal Mail. Sarah heads up the Membership team in the UK, creating a slick community-based ecosystem to delight our customers, and for us to learn from and experiment in.