Turn Your Shift Income Into Proof You Deserve to Borrow
If you’re working in health or care and keep getting declined for credit, Faciit helps you build a simple savings streak that shows lenders your real affordability — not just your credit file. Join the waitlist to be first in when we launch.
No fees. No credit score impact.
(Joining the waitlist doesn’t affect your credit score. We’re not a lender; we match you to lenders who may consider your application based on your affordability evidence.)
You Care for Others Every Day. It’s Time Finance Cared for You.
You look after people for a living. Yet when you need fair finance for everyday life — a car to reach shifts, life’s big moments, or help with family costs — the system still says “no.” Not because you’re unreliable, but because your credit file is thin, patchy, or your hours vary.
You’re doing everything right — working, earning, saving where you can — but the old rules keep shutting you out.
Faciit gives you a clear, practical way to show what matters most to lenders: how you manage money going forward.
Why Responsible People Still Get Declined — and Faciit’s Changing That
Traditional lenders rely on long credit histories and fixed-hour contracts. Agency shifts, new-to-UK status, and pay patterns outside the 9-to-5 don’t fit that box. So even steady earners get declined.
It’s not your income that’s the problem — it’s the way the system reads it.
Faciit helps you set a simple save-to-borrow plan aligned to your pay cycle. With your consent, Open Banking securely reads your incoming pay and essential outgoings. Over a short, structured streak, you build a track record of affordability that lenders can actually use. When you hit the agreed milestone, we introduce you to lenders who will consider your application—and you don’t pay any fees to us.
What You Get With Faciit
- A clear roadmap from “declined” to “considered.” We translate your shift income into a savings plan that builds persuasive evidence of affordability.
- Affordability evidence lenders recognise. Your savings streak, combined with Open Banking data, makes your case legible, even with variable hours.
- Zero fees. If a loan goes ahead, the lender pays Faciit — not you.
You’ve earned financial trust. Now let’s make it visible.
Who’s Eligible for Faciit
You’re likely a good fit if you:
- Are 21+ and working in the UK (e.g., agency nurse, care worker, NHS/independent provider).
- Hold a right-to-work permit/visa (including those with permitted work hours).
- Have been in the UK 6+ months and hold a UK bank account with a FCA-authorised bank for 3+ months.
- Want a clear, forward-looking way to demonstrate affordability — without paying monthly or borrower fees.
If you meet these basics, you can start building your streak as soon as we launch.
(Final lending decisions rest with lenders. Faciit doesn’t guarantee approval.)
How Faciit Works (Simple, Step-By-Step)
- Join the waitlist: Tell us you’re interested. No impact on your credit score.
- Get your draft savings plan: When we launch, we’ll help you set a realistic savings streak that fits your pay rhythm and essential costs.
- Build your streak: Make small, regular contributions. With consent, Open Banking securely tracks your income and essentials to evidence affordability.
- We introduce you to lenders: Hit the milestone? We securely share your affordability record with our pre-vetted lenders who may consider your application. You pay £0 to Faciit.
- Choose what’s right for you: If a lender offers terms, you review them and decide. If not, you keep the savings you’ve built.
Designed Around Your Financial Needs
Transport For Your Shifts
Build towards a car repair, deposit, or upgrade so you can get to early/late rotas reliably.
Family Set-Up Costs
Nursery or housing deposits that help your household work.
Essential Tools and Fees
Uniforms, registrations, or training that help you progress at work.
Trust, Privacy, and Fairness
- You’re in control. Open Banking is by consent only; you can revoke access at any time.
- No fees from us. If you proceed with a lender, they pay us—not you.
- Straight talk. We’ll explain checks clearly before you proceed. No hard credit search to join the waitlist; if a lender needs one later, you’ll see it first.
(We follow UK financial promotion rules. We don’t promise outcomes. Our role is to help you present clear affordability evidence to lenders. Individual outcomes vary. Lenders make lending decisions.)
Frequently Asked Questions
Why should I join the waitlist now?
Joining early gives you priority access when we open, plus early guidance on setting your savings streak. There’s no commitment or cost. It simply means you’ll have priority.
Will joining the waitlist affect my credit score?
No. Joining the waitlist does not affect your credit score.
Is Faciit a lender?
No. We’re not a lender. We help you build affordability evidence and introduce you to lenders who may consider your application.
What if my shifts drop or I miss a contribution?
Real life happens. Your plan includes sensible flexibility (e.g., pause/skip rules). We’ll explain how that affects your timeline before you start.
What does Faciit cost me?
We don’t charge any platform or borrower fees. If you proceed with a lender, they pay us—not you.
Is my data safe?
Yes. Open Banking access is read-only and consent-based. We use it to evidence income and essential outgoings. You can revoke access anytime.
Can you guarantee I’ll get a loan?
No. Lenders make final decisions. Our role is to help you present strong, forward-looking affordability evidence.
Turn Recognition Into Action
You’ve done the hard work — caring for others, holding families together, keeping the system running. It’s time the financial system recognised that too.
Join the waitlist and, when we launch, we’ll help you turn your shift income into the kind of affordability proof lenders understand.
No fees. No credit score impact. Stay in control.