Human Resources Manager, Landbay

Returns from traditional saving accounts have been cut significantly in the last decade due to record-low interest rates, so retail investors are chasing higher returns from alternative investments. Landbay overturns this pain point by matching the supply of retail investors with the demand for loans for buy-to-let properties.

They've managed to scale a lot in recent years, and have secured a huge £1bn debt facility, enabling them to provide more loans. Further, a recent partnership with Atom, a Durham-based neobank, will fund Landbay's prime residential buy-to-let mortgages, facilitating the growth of both companies.