Most of our best talent is wasted because 90% of it is born into a less wealthy
providers charge the disadvantaged more than they charge the wealthy, which means 10x higher
costs for a
qualification that leads to higher future incomes, entrenching poverty.
charged more because debt requires fixed repayments regardless of income, this results in early
defaults when income is lower.
Debt providers are exposed to the downside risk of those
default but do not share the upside of those who succeed, meaning exclusion of many and high
rates for the rest.
Angel investment in the labour market
For centuries, angel investment has driven innovation and productivity for high
organisations, providing the funds needed to drive growth and success.
Now it can enable human talent to fulfil its potential for all segments of society.
Investors provide the
funds for a qualification in return for a share of the borrower’s future income over a defined
Talented students from all backgrounds can fund the qualifications and training they
need to reach their potential. Repayments are linked to their income so that they are
Investors share in the income of tomorrow through an asset that provides the only
exposure to the labour market, a natural hedge to capital market assets.
When our best and brightest have the opportunity to reach their highest potential,
we all benefit from a more productive workforce.
Generate returns while funding the next generation of