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.

16m+

UK adults now face barriers to mainstream borrowing
Fair4All Finance, including research by Ipsos

+30%

 rise in adults facing those barriers since 2018
Fair4All Finance, including research by Ipsos

£2bn

estimated unmet gap in affordable credit
Fair4All Finance, including research by Ipsos

3m+

people in Great Britain may have borrowed from an illegal money lender in the last three years
Fair4All Finance, including research by Ipsos

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 responsible next step

Signposting members to appropriate alternatives is increasingly expected under Consumer Duty. Done well, it protects the member and demonstrates your commitment to their financial wellbeing beyond the transaction.

Guidance first, lending if needed

For many members, the right answer is better information, about budgeting, debt options, or alternative products. Where a loan is genuinely the right fit, signposting to a trusted credit union gives them a safe, regulated route.

Your relationship, protected

Members who feel looked after, even when you can't help directly, come back. Structured signposting turns a difficult moment into evidence that you're on their side.

 

A simple signposting route

One route to a credit union that can lend, with nothing for you to build, run or carry.

A signposting link, no integration

Share the NestEgg link through your website, member communications or in branch. Nothing to integrate, nothing to build, and it can be live in hours.

 

Smart loan matching

A few quick questions, and NestEgg matches the member to the credit unions they qualify for, chances shown up front — all on a soft search that leaves their credit score untouched.

 

No liability, the member applies directly

The member applies directly to the credit union in their own name. NestEgg runs the journey end to end. You're offering a route, not lending or underwriting anything.

 

Members come back to you stronger

A credit union loan, repaid, can build the member's credit record. So when they're ready for a mortgage, they're more likely to qualify with you.

 

"“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."

— CM, Member of Central Liverpool Credit Union

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
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