We scale ethical student finance to unlock employment.
Banyan is investing in Income Sharing Agreements (ISA) to create inclusive pathways to employment.
Food security, reliable energy, and good healthcare depend on a skilled, local, labour force.
Millions of youth cannot afford the education that moves them from poverty into employment pathways.
Income-sharing agreements make this attainable and sustainable - students pay only when employed, and crucially, education costs match local wages.
We unlock this - we give student finance providers money today for the payments their employed graduates will make over the next decade, enabling the education of more students today while providing long-term returns to investors.
How we work
Accessible
Access to education that leads to employment should not depend on wealth, gender, or geography. ISA’s remove financial barriers by requiring no upfront payments, no collateral, and no credit history - ensuring talented youth aren’t excluded by circumstances of birth.
Affordable
We invest in qualifications where education costs are proportional to expected earnings, making vocational, undergraduate, and graduate programmes accessible through income-based repayment.
Quality-driven
We invest in providers that demonstrate proven graduate outcomes. Our partners maintain high graduation and employment rates through industry partnerships that ensure curriculum meets real market demand.
Risk-aligned
Income Sharing Agreements align economic incentives around employment outcomes—no income, no payment. By investing only in mature, repaying ISAs from employed graduates, we reinforce this outcomes-based approach while reducing investment risk.
Locally-led
We work through established regional ISA providers with long track records, that bring deep local knowledge, operational excellence, and trusted relationships.
Responsible
We treat students as partners, not markets. Our approach prioritises community benefit, dignity, and sustainable development alongside financial returns.
Banyan offers a powerful and ethical solution — giving young people a pathway to higher education without the burden of crippling debt. Ethical income-sharing agreements, done right, are a tool for dignity.
—Tim Costello AO, Director of Ethical Voices
We are working with global partners
