Check your business credit score - get started free

✅ Know your business credit score 

✅ Understand the factors impacting it

✅ Alerts on risks to your profile

✅ All features from as low as £19/month


Check your credit score Our instant business credit reports are powered by Experian. 

Your holistic credit profile, powered by Experian

Understand, track and improve your credit score

Better fit funding from over 100 lenders

How to check my business credit score?

Checking your credit score is easy with Capitalise for Business. Once you sign up, you can view your full business credit profile powered by Experian data, as well as the factors that are impacting it.

Why check your business credit score?

Your business credit score is a key indicator of your financial health and reliability. Here's why it's essential to keep tabs on it:

  • Assess your eligibility for a business loan 
  • Understand the amount of trade credit suppliers are likely to extend to your business, for better cash flow
  • Identify and quickly rectify errors or fraudulent activities 
  • Take fast action on legal notices or adverse information and minimise the damage to your credit profile
  • Know how creditworthy and reliable you appear to customers, suppliers and potential partners.

Understand the financial health of your business

Check out what features your business can use with Pro

Get ahead by tracking your business credit score

Negotiate better terms with suppliers

Win more contracts with bigger clients

Access affordable funding with ease

Get ahead of risks and opportunities

HOW capitalise for business WORKS

View your Experian-powered business credit score
check icon Get full access to information banks and lenders will look at about your business, including your commercial Delphi score and the risk bracket your business is seen as.
check icon Understand how likely your business is to get approved for funding.
See your business credit risk factors
check icon Understand everything that’s affecting your business credit score - positive and negative.
check icon Spot areas that need attention, and areas looking good, to learn how to improve your score.
check icon Get alerted as to changes to your credit score, including when a negative event has been registered.
Review your public records
check icon View a summary of information about your business as registered on Companies House. Including, your company’s registered address, list of business directors, accounts and filing history.
check icon See if there are any legal notices like CCJs registered. You normally have 30 days to resolve these before they cause significant damage to your credit profile, so you’ll need to act as soon as possible.
View payment performance data
check icon Get insight into how your business performs when making payments to suppliers.
See your cash and capital position
check icon See how you manage cash in the business and how it impacts your business credit score with all your business bank accounts and borrowing data, in one place.
Check a company’s credit score
check icon Company credit check up to 100 customers or suppliers.
check icon Spot risks early and find out if you’re likely to get paid on time.
check icon Improve your credit control by knowing which companies to chase and when.
Access a pool of 100+ UK business lenders
check icon Find funding that’s a better fit from the most suitable lenders.
check icon Apply to four lenders with one simple form and track all your applications.

How much does it cost to check my credit score?

You can check your business credit score from as little as £19/month. 
See our plans and compare features to choose which is right for your business.

Find funding for your business

Checking your business credit score should be the first step when you’re thinking about applying for a business loan. It will help you to understand if you will meet a lender’s criteria and whether you can access affordable interest rates. Once you’ve checked your business credit score, use your Capitalise for Business account to see how much you could be eligible to borrow. We’ll match your business’ information and needs with up to 4 lenders most likely to approve you for a loan. And when you’re ready, you can apply to multiple lenders in just one simple application.

Whether you’re looking for working capital, a loan to expand your operations, or you want to smooth your cash flow with a line of credit, there’s a range of products that could help fuel your business ambitions. 

Looking for a business loan with bad credit?

Explore your options and match with the right funding

See what else you can do with capitalise for business

Check out these other features

Frequently asked questions

A credit score is the measure of how creditworthy your business is. In other words, your score shows a bank or lender how much of a risk it would be to lend your business money.  The higher your score, the more likely it is that your business can pay back any debt, for example the repayments on a loan. Credit agencies each have their own scale for calculating your credit score. Our credit agency partner, Experian, uses the Commercial Delphi Score with scores that range from 0 (the highest risk) to 100 (the lowest risk). 

Your credit score is important because it’s a measure of the financial health of your business. Not only does it show your financial position today, but it can be the difference between a healthy and unhealthy position in the future. The higher your credit score, the more funding you can get to fuel everyday operations and ambitious next steps. Businesses with higher scores can negotiate better terms with suppliers and are more likely to win contracts with new clients.

Read more about credit scores and why they’re important here.

There are several factors that affect your credit score – both positively and negatively. These include how promptly you pay suppliers and whether or not you have any legal notices against your business. Your Companies House SIC code is also a factor and so is your filing history. Credit agencies will also consider the age, industry and location of your business as well as certain information about its directors.

The exact steps you need to take to improve your credit score will be specific to your business and the factors that are having a negative impact. But here are some general guidelines you can use to get started:

  • Pay your bills and suppliers on time
  • If you have several funding facilities with a few different lenders, try to consolidate them into one manageable loan from a single lender
  • Check whether your business is filed under the correct Companies House SIC code
  • File your full accounts with Companies House, on time and in the same month every year
  • Make sure your business and its directors stay solvent, avoid County Court Judgements and resolve any that are currently outstanding

Read more about improving your credit score here.

Your personal credit score measures how creditworthy you are as an individual. In other words, could you personally pay back a debt? If you wanted an overdraft on your personal bank account for example, your bank would look at your score to decide whether you’d be able to make the monthly payments. Your business credit score is a measure of how creditworthy your business is. If you applied for a business loan, the lender would look at your business credit score to decide whether your business would be able to keep up the repayments. 

You can check your credit score right now by signing up to Capitalise for Business. If you’re already signed up, you can check your score at any time by simply logging in.

With Capitalise for Business, you can access all your credit score insights starting at £19/month (plus VAT). Every time you log in, you’ll be able to see: 

  • Your credit score and how it compares to similar businesses
  • Factors having a positive, negative and neutral impact on your score
  • the credit information lenders will look at about your business
  • how many times third parties have searched for your credit profile
  • tips for improving your credit score