Credit Scores

Understand, improve, and protect your business credit score to unlock better funding

What Is a Business Credit Score?

A business credit score is a measure of your company’s creditworthiness — showing lenders, suppliers, and insurers how financially reliable your business is. It’s based on your credit history, payment behaviour, financial records, and company structure.

Much like a personal credit score, your business credit score influences whether you’re approved for loans, credit cards, leases, or supplier terms — and at what rates.

At The Funding Group, we help UK businesses check, understand, and improve their credit profile to boost their chances of securing finance, partnerships, and better commercial terms.

What Affects Your Business Credit Score?

Several factors determine your company’s credit score, including:

  • Payment history – Consistently paying suppliers and creditors on time

  • Company financials – Filed accounts, revenue trends, and profit margins

  • Credit utilisation – How much of your credit limit is used

  • Public records – CCJs, bankruptcies, or insolvencies

  • Company age and structure – Newer businesses often start with a lower score

  • Industry risk level – Some sectors are viewed as higher risk by lenders

  • Director credit history – Particularly relevant for small or newly formed businesses

By understanding these elements, you can take strategic steps to strengthen your business credit profile.

Typical Business Credit Score Ranges

Different credit agencies use different scoring systems, but generally:

  • 0–50 = High risk

  • 51–80 = Medium risk

  • 81–100 = Low risk / excellent credit

The higher your score, the more likely you are to be approved for business finance and on better terms.

Who Needs to Monitor Their Business Credit Score?

Monitoring your business credit score is essential if you are:

  • A startup or SME applying for finance

  • Seeking trade credit or supplier agreements

  • Planning to lease vehicles or commercial premises

  • Looking to improve cash flow and interest rates

  • Working toward long-term growth or investment

  • Concerned about the financial health of partners or competitors

Even if you’re not actively applying for credit, maintaining a strong score helps you stay competitive and resilient.

Benefits of a Strong Business Credit Score

  • Improved access to funding and lower interest rates

  • Faster approvals for loans, credit cards, and overdrafts

  • Better terms from suppliers, landlords, and insurers

  • Stronger negotiation position with investors or partners

  • Enhanced company reputation and financial credibility

  • Reduced personal guarantee requirements for directors

A strong credit score isn’t just about borrowing — it’s about building long-term financial strength.

Need Help With Your Business Credit Score?

At The Funding Group, we offer practical support to:

  • Check and monitor your current business credit score

  • Identify issues or red flags in your credit report

  • Build and improve your score with targeted strategies

  • Prepare for funding applications or investor pitches

  • Establish a strong financial profile for future growth

Get in touch today to take control of your business credit profile.