Greater Change is a charity that is kind of bringing the microlending model to bear on homelessness in the UK. It identifies financial precariousness and resilience as the issue it wants to focus on (while acknowledging the need for changes in housing availability and other issues that feed into the wider problem).
They make a claim that their targeted and individualised approach results in significant cost savings to government, which is what you'd expect of centralised versus localised support. If it is true then it is an argument that there needs to be much more thought into what support programmes are centralised.