Search any UK business, confirm it's the right legal entity, and we'll send you its Credpare grade — graded on live insurer decisions, not accounts filed a year ago.
One free check per company, and it's yours — no account needed. We confirm the legal entity before anything is sent.
The right legal entity, confirmed — registered name, number, address, status.
One letter for one question: how likely are they to stop paying?
What insurers will actually cover on them today. Real money, not an opinion.
Rising, flat or falling — and the date it started moving.
How that grade reads against the companies they compete with.
Cover withdrawn, overdue reports, claims on record, charges registered.
No forty-page PDF. One letter grade, benchmarked against the company's own sector — so you know how risky they are, and how unusual that is where they trade.
A to F, on one question: how likely is this company to stop paying in the next twelve months?
A C in construction and a C in pharmaceuticals are not the same fact. We show you where the company sits against the companies it competes with — here, the same buyer as the report on the right.
Mid-table for the sector on the face of it — but the direction of travel is down two grades in five months, and that is the part the filings won't show you.
Illustrative. On the public record this company still reads as satisfactory — and will until its next filing.
Pick the one that sounds like you. What you need to see is different in each case — so what we show you is different too.
A good order from a company you've never traded with. Extend terms and hope, or ask for cash up front and lose it to a competitor who didn't. The credit report you'd normally buy is built from whatever they chose to file, whenever they chose to file it.
Insurers see the same company from the other side of the ledger — how it actually pays, across every supplier already selling to it. That position is revised continuously, because real money sits behind it.
So rather than a grade to interpret, you get a number: the amount insurers are currently willing to cover on that buyer. Trade inside it with some confidence. Ask harder questions before you go past it.
A limit gets set the week you onboard someone, then sits there. Sales grow into it. Two years later your largest exposure is a number somebody typed in a hurry before a meeting.
The number isn't the problem — it's that the number is static while the customer isn't. What you want is the direction, and that shows up in insurer decisions long before anywhere public.
So we show each buyer's limit history as a line rather than a snapshot — and your own limits can follow where a company is heading instead of where it stood the month you signed them.
Companies rarely fail without warning. They fail without public warning. Cover trimmed here, a limit declined there, a supplier reporting sixty days. None of it is announced.
Most of the visible UK collapses followed that order exactly: insurers stepped back first, trading looked normal, the news came last — by which point the invoices were already written.
Monitoring turns those movements into something you can act on. A reduction on one of your buyers arrives as an alert with the date, the size of the change and the reason attached — while there's still time to shorten terms, ask for part payment, or simply stop shipping.
An aged debtor report tells you who's overdue and by how long. It can't tell you the one thing that matters on a Monday morning: which of these is habitually slow, and which is quietly running out of money.
On the ledger they look identical. One pays at seventy-five days, always has. The other pays at forty-five until the week it stops paying anybody — and only insurer behaviour tells them apart.
So we rank your overdue balances by the risk of never being paid rather than by days outstanding. The list you work down on Monday morning is ordered by what you actually stand to lose.
Long lead times, a handful of very large buyers
Thin margins, high volume, sixty-day terms
Contract chains, retentions, sudden insolvencies
Supermarket concentration, unforgiving terms
Unfamiliar buyers in distant jurisdictions
Unsecured fees and habitually slow payers
Weekly payroll out against monthly invoices in
Project work with little warning before a failure
Every week, insurers quietly raise and cut the cover they'll write on the companies you sell to. Those decisions are the earliest honest signal there is.
Public accounts are accurate, audited and describe a year that has already ended. A small UK company has nine months after its year end to file them — so the figures you read this morning can describe trading that finished the best part of two years ago.
The most recent accounts anyone can read are already a year old. Everything from here is invisible.
Their suppliers feel it first. Insurers hear about it. The public record says nothing at all.
A decision, not a prediction — somebody has just reduced what they're prepared to lose here.
The numbers now exist. Only the company and its accountant have seen them.
Well inside the deadline. Perfectly proper. Completely invisible to you.
You finally read what happened. The exposure has been sitting on your ledger for a year and a half.
Based on UK filing deadlines for small private companies — nine months after the accounting reference date.
You checked them, they looked respectable, you shipped. The report you were reading described a year that ended before your first invoice.
By the time the score moved you'd already grown the account. Pulling it back is now a difficult conversation with a customer, not a system change.
You worked the ledger by days overdue. The one company that was never going to pay was further down the page.
Your customers can see it. Your suppliers can see it. Your bank has almost certainly looked. You're the only one in the trade who can't — and it's your company.
Ask us and we'll show you your own file the way the insurers and financiers who actually put money behind the decision see it.
Your grade, as insurers see it. Not the public-record version built from your last filing — the one underwriters are working from this week.
The limits insurers are granting on you. What your suppliers are being told they can safely extend. It is usually the first thing to move, and nobody tells you when it does.
Which way it's going. Rising, flat, or falling — and since when. A falling line is worth knowing about while you can still do something about it.
We can only release a company's file to someone at that company, so it has to come from a work email on your own domain.
We check the request against the company's officers before anything is released. Nothing is shared with your customers or suppliers, ever.
Thanks —. We'll verify you against your company and send your file to your inbox within one working day.
Checking one company at a time tells you about one company. The bigger question is what happens to you if your largest customer stops paying next month — and most finance teams have never put a number on it.
Four minutes, four questions. You get a graded read on your concentration risk and, if it's useful, an indicative premium for covering it.
Most of what we do is help you see clearly. Sometimes seeing clearly tells you the exposure is simply too big to carry yourself — and at that point you don't want better information, you want somebody else holding the risk. Credit insurance has done that job for more than a century, and it does it well.
You get paid when they don't. If an insured customer fails, or just never pays, the insurer pays the insured balance. The year still works and nobody explains a write-off to the board.
Your funder lends more. Insured debtors are debtors your invoice finance provider will usually advance against — including ones they previously refused outright.
Someone else watches your buyers. The insurer monitors every company it covers, continuously, for the straightforward reason that it carries the loss.
You can say yes to bigger orders. Cover on an unfamiliar buyer turns an order you'd have declined into one you can take at full terms.
We're an introducer, and we'd rather be plain about what that means than have you work it out later.
You deal with the insurer's own people — the ones whose decisions the insight is built from. Nothing is relayed through a chain of intermediaries each protecting a margin.
If you take cover, the insurer pays us a commission. It doesn't add anything to your premium, and we'd sooner you knew it than wondered about it.
Plenty of businesses need the insight and not the policy. Telling you so is the only reason we're worth a second conversation.
"We'd been shipping to them for two years on sixty-day terms. The alert came through on a Tuesday and we'd stopped by the Thursday. Their accounts still haven't been filed."James Hartley · CFO, Hartley Wholesale
The complete beginner's guide to protecting your receivables against bad debt.
8 min read →The insured debtor book explained — and why lenders reward it.
6 min read →Side-by-side comparison of the three largest UK credit insurers.
10 min read →Which industries are most exposed to buyer insolvency — and by how much.
5 min read →Fifteen minutes, no pitch. We'll talk through your ledger, where the risk actually sits, and whether cover is worth it for you at all.
Whole-of-market view. We're not tied to one insurer, so the comparison is on your side of the table.
We come back within one working day. Usually the same afternoon.
Three details and we'll be in touch about credit insurance for your business.
We'll only use these details to contact you about credit insurance. No lists, no sharing.
Thanks —. A specialist will call you within one working day, and you'll get a confirmation at your inbox.
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