Our vision at Speckle is to build a financially resilient Australia where people experiencing financial stress can access the right products and support, at the right time and the right price. Speckle offers a brighter alternative when you need a small loan for life's expenses (without the hidden costs). We're an Australian not-for-profit small lender which means all fees and charges go back into keeping costs as low as possible so more people can borrow better. Speckle was created and incubated by not-for-profit Good Shepherd Microfinance and supported by National Australia Bank (NAB) to better serve a large section of the Australian population experiencing financialstress. Speckle has been created to provide a more affordable option. Speckle loans are issued by Good Shepherd Microfinance (GSM). Speckle is about bringing back control for our customers and helping reduce financial stress. In addition to our current cash loan product, we are looking to expand our offering in 2020. We work collaboratively with the corporate, government and community sectors to create customer-centric programs that enable customers to realise their own economic wellbeing.