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.
Get the Lender’s Eye View of your business!
How it works …
01
Submit your Information
Send us your basic business information and we will contact you to confirm what other documents we may need.
02
We analyse your profile
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 and apply in confidence
Follow our recommendations to strengthen your position, then apply for funding with confidence - or we will secure you the right facility.
Your Report will include …
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Business credit score and history
Director personal status (soft search - no impact)
Outstanding CCJs, defaults, or adverse credit
Recent credit applications and their impact
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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
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Overall fundability rating (1-10 scale)
Likelihood of approval for different finance types
Expected interest rate ranges
Maximum borrowing capacity estimates
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Issues that will trigger automatic rejections
Weaknesses that will result in higher rates
Missing documentation or information gaps
HMRC status and compliance concerns
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Prioritized steps to strengthen your profile
Timeline for implementing changes
Expected impact on your fundability
Quick wins vs. longer-term improvements
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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?
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
Frequently Asked Questions
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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.
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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.
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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.
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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.
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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.
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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!
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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!
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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!