When you can't lend, a fellow mutual can.
If a member needs a loan you don't offer, NestEgg connects them to a credit union that can help. No integration, no lending liability, no cost to you.
Your member gets signposted for a fair option, and stays within the mutual sector.
The Gap: When a member needs more than you can offer
Not every member request fits what you offer. But a need you can't meet doesn't have to mean a dead end or a door left open to high-cost lenders.
A simple signposting route
One route to a credit union that can lend, with nothing for you to build, run or carry.
"“I can improve my credit score, but one way to get it even higher was to pay back my credit union loan. Because of the new repayment record I was able to re-mortgage at a good rate."
Why now
The timing isn't incidental. Government and the mutual sector are actively backing referral routes between mainstream lenders and credit unions.
The commitment
Doubling the sector
The government has committed to doubling the size of the mutual and co-operative sector.
UK Government
The recommendation
Referral pathways
The Mutual and Co-operative Sector Business Council, endorsed by HM Treasury, has recommended referrals to credit unions from banks and building societies.
Sector Business Council, 2025
The investment
£30m
A Credit Union Transformation Fund in England, alongside common bond reform that widens who credit unions can serve.
UK Financial Inclusion Strategy, 2025
Government policy
"“The provision of affordable credit to financially excluded people is a challenge that the financial services sector as a whole must rise to meet."
“The government is encouraged to see greater partnerships developing between the community finance sector and mainstream lenders and wants to see these continue to make progress going forward.”
— UK Financial Inclusion Strategy, HM Treasury, 2025
FAQs
The questions building societies tend to ask first.
Nothing to build, nothing to run. A better option for members you can't lend to.
We'll walk you through how the signposting works and what it would look like in practice. No pitch deck, just a conversation.
NestEgg Limited is regulated by the Financial Conduct Authority as a Provider of Credit Information Services and for Credit Broking (Firm Reference Number: 920630, Company number: 10427741) NestEgg Limited is acting as an agent of TrueLayer, who is providing the regulated Account Information Service and is Authorised and Regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011 (Firm Reference Number: 901096). Copyright © 2026 · NestEgg Ltd