Check your chances of approval before you apply

A declined finance application can leave an unnecessary footprint on your business profile. This service is a technical creditworthiness audit reviewed from a lender’s perspective. We assess your bank account activity and credit reference data (e.g., from agencies such as Experian) to help you understand whether you’re likely to meet the requirements for funding options like a Start Up Loan, working capital, or asset finance/leasing.

Outcome: a clear, written PDF report that tells you where you stand and what to improve before you speak to a lender.

What’s included (scope of work)

The base price covers an audit for one business entity and one bank account:

• Credit file review: we interpret key indicators from credit reference data (credit score, payment history signals, public records where applicable).
• Bank account audit: a detailed review of transactions against common lender checks (balances, cashflow consistency, high‑risk patterns, affordability signals).
• Eligibility & documentation check: a practical check of whether you meet typical funding criteria and what evidence you’ll need.
• Final PDF report: a structured summary with one of three outcomes: Ready / Improvements required / Not currently eligible, plus recommended next steps.

How we work

1. 100% online: secure remote delivery—no office visit required.
2. Documented result: you receive a written report by email (PDF).

Optional add-ons

The standard service includes analysis of one bank account.

• Each additional bank account: +£50 (requires separate transaction review).
• Additional company/entity analysis: +£100.

Security & confidentiality (NDA)

• NDA required: we sign a confidentiality agreement with every client before work begins.
• Data minimisation: your documents are used strictly for the audit and are permanently deleted after completion.

Important notice

This is a business advisory and preparation service. We are not a bank, not a regulated credit broker, and not an FCA‑authorised financial adviser. We do not issue loans and we do not perform an official “credit check” on your behalf. We help you interpret your financial position and prepare documentation to improve your readiness for lender discussions.