Why ethecalTM

By connecting ethecalTM credit providers with pre-approved low-income workers in need of safe, fair and manageable credit we believe we can help eradicate the crippling downward spiral of debt in the UK

But the real power and reach of ethecalTM is greater than the sum of it’s parts with real and lasting impacts on society as a whole through the elimination of the downward spiral of debt

ethecalTM for all

With the ethecal risk assessment more are eligible to credit than identified through traditional credit scores alone

Vetted ethecalTM Providers

We only work with ethecalTM credit providers that share our ethos to help eliminate the downward spiral of debt

True peer-to-peer lending

Credit and repayments are exchanged directly between the lender and the consumer via smart contracts – no need for intermediaries.

The different ways credit ratings affect the vulnerable


Poor credit scores obtained from traditional credit checks create a vicious circle of debt that benefits no-one. Mobile phone operators, loan companies, HP providers etc. don’t want to turn potential contract customers away, but their policies prevent them from bringing on these customers when their credit scores are low.

The ethecalTM option is based on affordability not credit scores allowing credit providers to server a wider section of consumers. The proprietary payments system also ensures loans are automatically repaid out of the consumer’s salary. All in all a system that makes it fairer and easier to deliver services and receive payments.

Poverty in the UK

In the UK, 17% of people, at any one time, are concerned about running out of food. (The Guardian 31.03.17)

56% of 18-24 year olds go without hygiene and grooming products such as toothpaste, razors and tampons in order to buy food instead. (The Independent 27.07.17)

According to the Mental Health Foundation, 4 out of 9 risk factors for suicide are related to poverty and suicide is the leading cause of death for the 20-34 year old age group.

ethecal™ provides access to safe, fair and predictable credit for low-income workers and those otherwise denied access other than from questionable sources. In doing so both the direct and indirect negative impacts of debt and poverty are reduced.