Financial Shield, a pioneering pilot embedding financial advice in GP surgeries in South London, has shown how easing financial pressures can improve health and free up vital resources for the NHS. The findings come as the Government’s 10-Year Health Plan promises to integrate debt support into new Neighbourhood Health Services. This means local health commissioners shifting resources to deliver a more holistic focus on health equity, and prevention.

Over the past decade, Fair for You has transformed the landscape of ethical lending, offering a dignified alternative to high-cost credit and supporting tens of thousands of families to access essential goods, improve their financial wellbeing, and enhance their quality of life. This report quantifies the breadth of social value created, reflects on lessons learned, and includes recommendations for social investors and wider financial inclusion policy.