Are you confident your business is Credit Ready?

Most businesses apply for funding without knowing how lenders will actually see them.

The result?

Rejections that damage your credit profile, wasted time, and missed opportunities.

Our Credit Readiness Assessment shows you exactly where you stand - and what to fix - before you approach any lender.

The Problem with Flying Blind

You Don't Know What Lenders See

When you apply for funding, lenders run credit checks, analyse your accounts, and assess your business against criteria you've never seen.

Many lenders apply criteria that are specific to them and can result in a rejection for the simplest of reasons. Most businesses have no idea how they'll be judged until it's too late.

Rejections Damage Your Profile

Every rejected application leaves a footprint. Multiple rejections signal desperation to other lenders, making it harder to secure funding - even if you fix the underlying issues.

You're Leaving Money on the Table

Without knowing your true credit position, you might accept expensive funding when cheaper options are available - or miss opportunities entirely because you assume you won't qualify.

You Risk Over-Extending Yourself

Without robust financial modelling you can quickly find yourself running to stand-still. Every penny you make is being churned back into servicing a debt that you weren’t ready to take on.

Get the Lender’s Eye View of your business!

How it works …

01
Let’s schedule a call

We can schedule an online call to discuss what your goals are, and to determine what information you will need to share with us.

02
We analyse your business

Our team runs comprehensive checks using the same tools lenders use - credit checks, financial analysis, and industry benchmarking.

03
Receive your Report

Within 48 hours, you'll receive a detailed report showing your credit readiness score, strengths, weaknesses, and a clear action plan.

04
Implement - Apply - Grow

Follow our recommendations to strengthen your position, then apply for funding with confidence - or we will secure you the right facility from our panel of lenders.

Get Your Journey Started

Your Report will include …


    • Business credit score and history

    • Director personal status (soft search - no impact)

    • Outstanding CCJs, defaults, or adverse credit

    • Recent credit applications and their impact

    • Profitability trends and consistency

    • Cash flow analysis and seasonality patterns

    • Balance sheet strength and working capital position

    • Debt service coverage ratio (DSCR)

    • Key financial ratios benchmarked against industry standards

    • Overall fundability rating (1-10 scale)

    • Likelihood of approval for different finance types

    • Expected interest rate ranges

    • Maximum borrowing capacity estimates

    • Issues that will trigger automatic rejections

    • Weaknesses that will result in higher rates

    • Missing documentation or information gaps

    • HMRC status and compliance concerns

    • Prioritized steps to strengthen your profile

    • Timeline for implementing changes

    • Expected impact on your fundability

    • Quick wins vs. longer-term improvements

    • Which lenders are best suited to your profile

    • Which finance products you should target

    • Which lenders to avoid (and why)

    • Optimal application strategy

Who is this for?

  • 1. You're Planning to Apply for Funding

    Don't waste time applying to lenders who'll reject you. Find out where you stand first, fix any issues, and apply with confidence.

  • 2: You've Been Rejected Before

    Understand why you were turned down and what needs to change. We'll show you the specific issues lenders flagged and how to address them.

  • 3: You Want the Best Possible Terms

    Even if you can get funding, are you getting the best rates? Our CRA identifies ways to strengthen your profile and access cheaper finance.

  • 4: You're Not Sure If You Qualify

    Stop guessing. Find out definitively whether you're ready for funding, which types you qualify for, and what your realistic options are.

  • 5. You're Too Busy!

    This is where our flexible approach takes the win! We can give you the confidence to apply at your leisure, or take the project on for you.

  • 6. You Want to Grow Your Business

    So many businesses have growth ambitions but lack the financial firepower to keep their current business stable while the new seeds grow roots! Growth funding needs strong financial modelling and forecasting, all of which form part of our extended CRA.

Pricing

Starting from £495 + VAT*

What You Get:

  • Comprehensive credit and financial analysis of your business.

  • Detailed written report (15-20 pages)

  • 60-minute consultation with our Senior M.A. to review findings

  • Actionable improvement plan with timelines and regular follow ups

  • Lender and funding product matching guidance

  • Full or partial refund of your fee should we proceed to match you to one of our panel of lenders.**

  • 48-hour turnaround

    • *Subject to terms and conditions - calculated on annual turnover

    • ** Based on funding type and level provided

GET YOUR BUSINESS INSIGHTS

Frequently Asked Questions

  • A: No. We use soft credit searches that don't leave a footprint on your credit file. Lenders won't see that you've had checks run.

  • A: We need your company registration number, latest management accounts (P&L and Balance Sheet), and basic business information. If you don't have formal management accounts, we can work with what you have.

  • A: You'll receive your full report within two business days of submitting your information. The initial information gathering takes about 10 - 15 minutes to complete.

  • A: That's exactly why you need it - better to know now than after you've been rejected by multiple lenders. Our report includes a clear action plan to improve your position.

  • A: Absolutely not. The CRA is a standalone service. You're free to use the insights however you wish. That said, if you do want our help securing funding, we'll already have a deep understanding of your business. We also have a partial fee reimbursement policy in the event that our funders provide your financing.

  • A: We'll tell you honestly if you're not ready for traditional funding and suggest alternative paths. That's valuable information in itself. In the event that we can’t help you for one reason or another we will not charge you a penny. We’re in this for the long haul!

  • A: We can't guarantee any lender's decision, but we can dramatically improve your chances. Our recommendations are based on actual lender criteria, not guesswork.

    Remember, lenders have their own criteria which can change. One lender won’t even review your application if you haven’t a score of 60 or above and have shown six months consistent profits in your management accounts, while another will listen to your plans and make an assessment based on your demonstrated overall financial management capability. We will make sure you don’t rush headlong and waste time uploading your documents, going through all the process of applying and waiting only to hear a NO at the end - and having to do it all over again!

  • A: We will stand over the value and insights we can provide for your business. If we don’t identify at least two actionable improvements for your business we will reimburse you. We’re building long-term relationships and our goal is to save you time, money and reputational risk. If we cannot do this then you don’t pay!