Faciit

Save First. Borrow Better. Faciit is an FCA-authorised fintech platform helping people with little or no credit history access funding through a savings-first approach. Instead of relying solely on traditional credit scores, we use your saving behaviour and affordability to build a fuller picture of your creditworthiness. Set a financial goal, save one-third of the amount over time, and demonstrate financial discipline through consistent saving. When you reach your target, you'll be matched with lenders offering the remaining two-thirds needed to achieve your goal. Whether you're planning home improvements, education costs, a major purchase or another important life goal, Faciit provides a simple, structured path from saving to funding. How It Works - Set your financial goal between £3,000 and £15,000. - Complete a quick eligibility check and securely connect your bank account through Open Banking - Save one-third of your target amount over a minimum of three months - Track your progress and build a record of affordability through consistent saving - Demonstrate creditworthiness through your financial behaviour, not just your credit score - Get matched with lenders offering the remaining two-thirds needed to achieve your goal - Review and accept your offer to unlock your funding Key Features - Goal-based savings plans - Secure Open Banking integration - Eligibility and affordability assessments - Behaviour-based credit assessment - Savings progress tracking - Secure identity verification - Personalised lender matching - Mobile-first experience Why Choose Faciit? - Built for people with limited, thin or non-traditional credit histories - Goes beyond conventional credit scoring to assess affordability - Rewards financial discipline and consistent saving - Uses real financial behaviour to build a fairer picture of creditworthiness - Supports responsible borrowing and long-term financial resilience - Access multiple lenders through one simple journey - Clear, transparent experience from saving to funding By combining structured saving with smarter affordability assessment, Faciit helps more people access the funding they need while building stronger financial habits for the future. Important Information Faciit Technologies Limited is a credit broker, not a lender. We do not provide loans ourselves. Where appropriate, we introduce customers to a panel of lenders offering suitable finance products. We may receive a fee and/or commission from lenders when we make an introduction.