Get your business credit score in minutes

Run a quick credit check on your company and see what lenders see. Our tool shows your score band, risk flags, and a clean summary you can share with your team. It is built by brokers and devs who know how lenders make decisions.

What you will see in your credit snapshot

Score band

See your band at a glance, excellent, good, fair, or poor. Learn how it affects approval odds and pricing.

CCJs and filings

Spot recent court actions and filing status. Follow simple steps to fix errors and update records.

Payment behaviour

Review days beyond terms and the share paid within terms. Track progress over time.

Credit utilisation

See balances versus limits on revolving lines. Aim to keep utilisation low to improve your score.

Readiness rating

Get a traffic light view. Green means ready. Amber means fix a few items. Red means take action first.

Export summary

Download a one page report for your records. Share it with a lender or a broker if you want support.

Why your score affects loan approval and rates

Your score signals risk to a lender. It shapes five decisions, approval, limit, price, security, and covenants. A strong band improves the odds. A weaker band still works for some products, such as invoice finance or asset finance. If your file is thin, check unsecured business loans and secured options before you apply.

How our tool works, simple three step flow

  1. Search your company, use your name or Companies House number.
  2. View your snapshot, see band, CCJs, filing status, utilisation, and readiness.
  3. Save and act, download the one pager, then follow the steps to improve.

For deeper research, you can still use Companies House for filings or TrustOnline for CCJ checks.

Improve your score, 30, 60, and 90 day plan

Days 0 to 30

  • Fix clear data errors.
  • Reduce utilisation on cards and overdrafts.
  • Bring small overdue bills up to date.

Days 31 to 60

  • File any overdue accounts.
  • Set payment runs and reminders.
  • Consolidate costly lines where it helps.

Days 61 to 90

  • Add positive trade lines with key suppliers.
  • Update records for satisfied CCJs.
  • Prepare a short funding pack for lenders.

Need support today, explore bad credit business loan options or speak to our team.

FAQs

What is a business credit score

It is a forecast of risk. It predicts how likely a company is to pay on time over the next year. Lenders use it to set approval odds and pricing.

Does checking my score affect my file

No. Pulling your own snapshot does not harm your score. Many hard searches by lenders in a short time can reduce approval odds.

Can I check a supplier or customer

Yes. Business credit data is public in the UK. You can run checks on other limited companies to manage risk.

How often should I check my score

Check quarterly, or before you plan to apply for finance. Turn on alerts so you know when your file changes.

Trust and compliance

We follow UK data rules. Read more at the Information Commissioner’s Office. If you spot an error in your file, contact the relevant bureau and raise a dispute.