Don’t be in the dark about your company’s credit profile
Do you know your company’s trade credit rating?
Don’t be the last to know about a change in your company’s credit ratings or limits. With our “whole market” pro-active monitoring service we can ensure that you are on the front foot when it comes to knowing your up to date credit profile.
From start-ups, SME’s, companies in turnaround, rapidly growing businesses, Plc’s, P/E back enterprises, asset hive downs, carve-outs to companies who just feel their credit ratings are suboptimal. We can help you all, and if we can’t then you don’t pay a penny.
So far we have added over £174m to our client’s trade credit terms…… We can help your company maximize its trade credit potential. Our risk-free solutions work from SME’s to Plc’s. Take a look at what our clients say about us…..
Improve Your Company Credit Rating
In as little as 3 days
Don’t be in the dark about your company’s credit profile.
Lightbulb Credit is a specialised consultancy, offering a “whole market” credit overview, we are uniquely placed to help you review, repair and monitor your company’s credit profile.
Unique “whole market” insight
Our ability and breadth of scope gives you oversight across the 5 main trade credit agencies in one place, with the option to improve your company’s ratings with all of them, individually or across them all – you decide.
100% success rate
We have a 100% success record for our clients and have added over £174m to their trade credit terms. With over 25 years of trade credit rating, finance, and treasury experience. We can help your company.
Proven track record of success for our clients
We have over 150 satisfied clients and we have added over £174m to their trade credit terms. Our client’s testimonials speak for themselves.
Our “whole market” monitoring service ensures that you are the first to know of any changes in your ratings and limits across the 5 main agencies.
The Lightbulb Process
Don’t be in the dark about your company’s credit profile
Our unique whole market summary provides an easy to understand overview of your company across all the 5 main rating agencies.
Using our knowledge we can make a series of recommendations to enhance and improve your trade credit profile.
We have unique, easy to complete templates that ensure we minimise the time and maximise the impact of our trade credit repair process.
Our 100% record, with over £174m added to our client trade credit terms means that we should be your first choice to help with your trade credit terms.
We are happy to provide you with a free insight on how your company is viewed by the main trade credit rating agencies in the UK.
Our unique approach ensures that your company’s credit ratings are optimised either across the whole market or targeted specific agencies.
We provide a pro-active monitoring service on your company’s trade credit profile. Ensuring you are the first to know about any changes.
Has a CCJ issued against your company impacted your credit rating? Our removal service will get you back trading on terms quickly.
Increase in trade credit for our clients
What Our Clients Say
Here are a sample of customer testimonials
I am the Interim CFO of a division carved-out from a quoted multinational group. Despite having made significant progress with the transparency of the accounting and steadily improving financial performance (including having good DBT ie paying suppliers quicker than average in our industry) we were not getting the recognition I thought we deserved from the credit reference agencies.
I, therefore, employed James Piper and Lightbulb Credit to see what could be done to ensure that our credit reputation truly reflected our creditworthiness. James very quickly got to work, requesting various pieces of key information and then building our case that he then provided to the independent credit assessment teams at two key agencies. Within a few days, we achieved a re-rating at a level commensurate with our true financial position.
I would have no hesitation in using Lightbulb Credit again in the future for similar work.
Having worked at a senior level within a large house building plc’s, my business partner and I decided to create our business. This was early in 2016. As our business evolved and grew it became clear that our credit profile within the industry was critical to our success. We engaged with Lightbulb, in James Piper, in October 2018 to review and create a strategy to improve our credit rating so that it reflected truly the way our business was being managed and the financial strength of our business. This is a real challenge for new business and is often underestimated in terms of importance.
James and his team delivered immediate improvement, almost overnight, but also created a strategy that over a few months resulted in significant improvements that led to business security and a clearer path for future success.
James and his team are a very proactive business that understands how business works. We would have no hesitation in recommending Lightbulb as a future business partner that will help create and maintain a platform for success.
James and the team have made a significant improvement in our ratings and credit limits across several of our group entities. This tangible result has delivered great value and I cannot recommend them highly enough. They know the credit market and their insight has been invaluable.
We have been working with Lightbulb Credit across the majority of our portfolio companies to ensure their credit ratings are fully reflective of the current financial and managerial position. Through a process of active engagement with each of the agencies, the credit ratings of many of these businesses have improved materially.
Lightbulb Credit's extensive experience in this process, strong relationships with credit rating agencies, and deep understanding of the drivers of credit ratings have been instrumental in enabling these improvements. We will continue to work closely with Lightbulb credit for future investments.
Lightbulb Credit’s ability to simplify the complex, provide insight and deliverable solutions across our group was very helpful. James provided excellent guidance and support throughout the review, analysis and solution process.
James approached us after our year end to see if we wanted to improve our company credit score. It had recently plummeted because we had recently divided the business into separate subsidiaries and the CRA weren’t looking at the consolidated business. The drop in our score was really hurting our business reputationally.
James made pretty bold claims, suggesting he could move us from very high risk to low risk in the space of a few weeks. I was slightly skeptical, but to my delight and surprise he moved our scores up to exactly where he said they would go.
They clearly have all the right contacts and know how to present evidence to the CRA’s to get fantastic results.
Thank you James and team.
Lightbulb Credit listened, offered us a solution and delivered. We will use them again in the near future, the value that can be unlocked from improving your trade credit ratings and limits should not be underestimated. A valuable, impactful and rapid service.
Request a Call Back
Our financial advisers always help you