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Single mum-of-two Christine visits Lewisham Plus Bromley Credit Union with her toddler to ask for a 拢500 loan. The fridge freezer she relies on for her soul-food business has packed up, and as London is in the middle of a blistering heatwave, it's essential she gets help straight away.

For Jo and Rene from Sheffield, an ethical loan hasn't just changed their lives, it's enhanced the health and wellbeing of their community too. The Real Junk Food Project in Sheffield takes food destined for landfill and cooks it up into affordable meals, feeding over 80,000 people in the city.

Thirty-five-year-old sports-mad Paul has set up shop selling specialist cricket gear thanks to a 拢10,000 ethical loan, and there is a look at how husband and wife Raymond and Jenny from Derbyshire are almost out of debt after 25 years in arrears. Owing around 拢35,000, a religious charity helped them with a finance deal to pay back the money they owed.