In Manchester, a £20,000 ethical loan is bringing the taste of the local countryside to the heart of the city centre. The Veg Box People grow and sell fresh local produce directly from local farms and deliver it to their city customers within hours of picking. Foster mum Judy is hoping to get a loan for a pram and carpet, but with outstanding credit - including a doorstep loan - the credit union needs to assess whether she can afford any more debt. A small £1,500 start-up loan helps a couple from south Wales with a poor credit rating launch a toy business that has transformed their fortunes.Ethical borrowing helps Lancashire mum Gemma turn a childhood dream into a profitable business by opening her own bridal boutique. All she needed was a responsible lender to say yes to her £5,000 proposal.