Nick co-founded and is CEO of Fluro, an innovative embedded-lending platform with a track record of delivering positive change for customers. Pioneering real rates, which is now used by 10% of working-age people in the UK every year, Fluro is available to over 15 million British consumers via 20+ industry partners, including Direct Line and Churchill. Focusing on transparency, speed, and fair access, applying for a Fluro loan takes minutes and approved loans are often paid out instantly, with over £350m in loans disbursed to date. Find out more at Fluro.co.uk.