Free Business Credit Check

Credit Checking

Free Company Credit Report, Check your own business credit score.

Understanding the creditworthiness of potential clients is crucial in today’s business environment. By obtaining credit reports, businesses can assess the credit risk posed by new clients before offering credit terms. These reports provide valuable insights, allowing companies to make informed decisions on payment terms and exercise caution with credit control, thereby offsetting costs against potential bad debts.

We offer commercial credit reports that can help you credit-check other businesses to avoid financial risk.

  • See your own business credit score.
  • See what is impacting your score, so you can make improvements.
  • Credit Check your customers and suppliers

UK & Ireland Company Credit Reports

Buy a one-off Business Credit Report from £15 + VAT per report or choose from one of our packages below –

Bronze – 10 Commercial Credit Reports – £120 + VAT

  • 5 Debt Recovery Letters (Letter Before Action), Included.

Silver – 50 Commercial Credit Reports – £450 + VAT

  • 10 Debt Recovery Letters (Letter Before Action), Included.

Gold – 100 Commercial Credit Reports – £850 + VAT

  • 15 Debt Recovery Letters (Letter Before Action), Included.

Platinum – 500 Commercial Credit Reports – £3,750 + VAT

  • 30 Debt Recovery Letters (Letter Before Action), Included.

What’s Included:

Company Risk Score

The comprehensive assessment encompasses various sub-scores, including financial performance, growth potential, transparency, and product data accessibility, as well as a thorough evaluation of the company’s credit history. This evaluation is conducted on a scale of 0 to 100, reflecting the company’s financial standing and creditworthiness.

Credit Limit

A credit limit is the recommended maximum amount of credit that can be extended to a business, influenced by the company’s credit rating and taking into account other relevant credit management processes. It represents the highest level of credit exposure that is deemed appropriate for that business at any given time.

Business Verification

Verify the authenticity of the company, including its registered information, physical address, and legal standing.

Financial performance

A comprehensive financial analysis provides insights into a company’s growth trajectory and financial stability.

Directors and Shareholders

Confirm the identities of company directors and conduct further consumer verifications, including checking the personal details of directors and shareholders.

Company Ownership

Gain insight into the actual ownership structure of a company, identifying the ultimate beneficial owner.

Key Risk Indicators

Confirm if your customer or supplier has any County Court Judgments (CCJs) or a history of delayed or defaulted payments.

Enquire Today

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FAQs

A business credit score is a numerical representation of a company’s creditworthiness and financial stability. It is based on a variety of factors, including the company’s payment history, credit utilisation, and length of credit history. Like a personal credit score, a higher business credit score indicates that a company is a low-risk borrower and is more likely to be approved for loans and lines of credit.

A good business credit score can also help a company negotiate better terms with suppliers and vendors. It is essential for businesses to regularly monitor and maintain their credit score to establish credibility and ensure access to financing for future growth and expansion opportunities. Additionally, a strong business credit score can also attract potential investors and partners, giving the company more opportunities for success. Therefore, it is crucial for businesses to understand the factors that contribute to their credit score and take steps to improve or maintain it to ensure long-term financial stability.

Delinquencies on existing loans and credit facilities. Any County Court Judgments (CCJs) or bankruptcy/insolvency proceedings. Late filing of accounts with Companies House. High levels of indebtedness.

At no cost, you can review your business credit score Free using Corporate Credit Report. This complimentary service provides access to your business credit score, along with alerts when your score changes and guidance on how to improve it.

Payment history is a key factor influencing business credit scores. Failure to make on-time payments to lenders, credit card companies, or suppliers, can result in reporting to one or more of the credit bureaus and a lower score.

Where there is little or no history of borrowing, your company might find it difficult to get credit. That’s because commercial lenders use these records to see how your business will perform, and whether you’ll meet the terms of lending set out in the contract.

Checking your credit score won’t change it. Requesting a copy of your credit report or checking your credit score is called a “soft inquiry.” Soft inquiries are not visible to lenders when they pull your credit report, but they will be visible to you on your report for 12-24 months.