File on time
Late accounts and confirmation statements at Companies House are visible to every lender and credit agency. Filing on time is the simplest improvement you can make.
Pay suppliers promptly
Business credit agencies collect payment behaviour data from trade suppliers. Consistently paying on or before terms helps your score over time.
Keep the bank account clean
- Avoid exceeding your overdraft limit
- Minimise returned direct debits
- Keep business and personal spending separate
- Maintain a buffer at month end
Check your reports
Obtain your business credit report from the main agencies and check registered address, directors and any county court judgments. Correct errors promptly.
Directors matter too
For smaller companies, lenders often check directors' personal credit files. Keep yours tidy and make sure you are on the electoral roll.
Related service: How our funding process works
This guide is general information and not financial advice. B2B Loans UK acts as an introducer only. All finance is subject to status, affordability and lender criteria.