Financial wellbeing for SME businesses

You focus on growth. We focus on your people.

ARI delivers practical financial wellbeing workshops for small businesses.

Working with teams intech startups·care & social care·professional services·green & climate businesses

Who we focus on

Built for fast-growing startups, B2B SaaS, HR Tech & ClimaTech

We work with emerging, well-funded teams building culture from scratch — where wellbeing spend lands early and one champion can open a whole network.

£2.4bn

raised by emerging UK startups in Q1 2025

These teams are growing fast and building culture from scratch — the perfect moment to embed wellbeing.

80%

of employees worry about money at work

Even mid-to-high earners carry debt, student loans, and London living costs. Financial stress is real despite salary.

1

decision-maker, not a procurement committee

Usually the founder, COO, or Head of People. One conversation is all it takes to get started.

A diverse startup team collaborating in a modern office

The teams we serve are ready for this

  • Founders are actively building people-first culture and are receptive to wellbeing spend early.
  • Staff are mid-to-high earners who still carry debt, student loans, and London living costs — financial stress is real despite salary.
  • The decision-maker is usually the founder, COO, or Head of People — one conversation, not a procurement committee.
  • They're well-networked — one happy client in a VC-backed startup can refer you into their entire accelerator cohort.

Startups & B2B SaaS

Fast-scaling teams hiring hard and building people-first culture from day one. Founders are receptive to wellbeing spend early.

HR Tech companies

People-focused businesses who understand the value of wellbeing — and want to model it for their own teams.

ClimaTech startups

Mission-driven, VC-backed teams building for the long term. Well-networked founders who refer across their accelerator cohort.

Business continuity

Keep your business running when disruption hits

Most SMEs have a plan on paper. Few have tested it with real people, real systems, and real scenarios. ARI helps you build a business continuity management system that actually works.

BCMS design and implementation

We develop, implement, and continuously improve Business Continuity Management Systems aligned with ISO 22301 and industry best practice.

  • ·Full BCMS design, documentation, and implementation
  • ·BC policy, standards, and procedure development across internal operations and client environments
  • ·Governance framework with clear roles, accountability, and escalation paths
  • ·ARI as primary point of contact for continuity-related incidents
  • ·Ongoing maintenance and continuous improvement of the BCMS

Testing that proves readiness

We design and deliver structured testing programmes that go far beyond a paper exercise.

  • ·Structured testing framework with detailed documentation, progress tracking, and evaluation against acceptance criteria
  • ·Scenario-based BC exercises including cyber incident response simulations
  • ·System outage scenarios
  • ·Data breach tabletop exercises
  • ·Physical incident simulations: fire evacuation drills and flood response scenarios

Managed environments and reporting

Continuity across your client and supplier ecosystem

When your business supports other organisations, BC is a shared responsibility. We manage readiness across the chain and give leadership the data they need.

Client and supplier environment oversight

For organisations with managed client environments or supplier relationships, we oversee BC and disaster recovery readiness across the chain.

  • ·Client BC requirements definition, documentation, and testing
  • ·Recovery solution review against contractual obligations and SLAs
  • ·Support for client audits, due diligence requests, and third-party assurance questionnaires

Structured leadership reporting

Regular reporting that gives leadership genuine visibility — not just a status update.

  • ·Monthly BC preparedness reports covering maturity and readiness status
  • ·Audit findings and remediation progress
  • ·Exercise outcomes and lessons learned
  • ·Emerging risks including AI-related and regulatory changes
  • ·KPI and KRI definition and tracking for business continuity

How it works

Simple to book, easy to measure

Step 1

Book a session

Choose in-person or virtual for up to 20 people. Pick a date that works for your team.

Step 2

We deliver

We deliver a focused 60-minute expert-led session — in person or virtually — covering budgeting, debt types, DC pensions, and financial resilience, tailored to your team's specific pressure points.

Step 3

You get results

We conduct a Pre or post survey, an anonymised wellbeing report, and 30-day follow-up data.

What's covered

Six practical modules in every session

Real-world content your team can use the same day — no jargon, no sales pitch.

Understanding your money

Get clear on where money goes and why. We build simple, judgement-free habits people can actually keep.

Debt and savings

Practical strategies for managing debt and building a buffer. Small steps that compound over time.

Workplace benefits and pensions

Make sense of the benefits already on offer. We help teams understand pensions without the jargon.

Financial resilience mindset

Reduce the anxiety around money decisions. We focus on confidence, not perfection.

Action planning

Everyone leaves with one concrete next step. Clear actions beat good intentions every time.

Post-session support

Support doesn't stop at the door. A resource pack and 30-day follow-up keep momentum going.

Testimonials

What small business leaders say

"I was sceptical — we're a 12-person team and I didn't think a workshop could move the needle. But the session was genuinely eye-opening. Three people came to me afterwards saying they'd never understood their pension before. Worth every penny."

Schola O.

CEO of Crystal Services Ltd

Care home services

"We've tried wellbeing initiatives before that felt like box-ticking. This was completely different. The facilitator made it feel safe to talk about money, the content was practical, and the report we got afterwards was actually useful data. We're booking a second session."

James T.

Operations Manager, B2B SaaS firm

28 employees

"As a small business owner I worry about my team's stress levels but I don't always know what to do about it. ARI gave me something concrete. The 30-day follow-up showed that 70% of attendees had taken at least one financial action. That's a result."

Priya K.

Founder, healthcare recruitment agency

19 employees

A facilitator leading a financial wellbeing workshop for a startup team

About ARI

Financial wellbeing that meets people where they are

ARI is a financial wellbeing agency built for fast-growing teams. We combine human-led delivery with AI-powered insights to give your people real, everyday support — and give you the data to prove it worked.

Get in touch

Book a Consultation

Tell us about your team and we'll get back to you within one working day with dates and next steps.

Email: info@onari.uk

 · In-person or virtual

Once you submit, we'll arrange a free 15-minute call to understand your team and confirm the right session format for you. We respond within one working day.