Don’t be in the dark about your company’s credit profile
Improve your company credit rating in as little as 3 days
Do you know your company’s trade credit rating? Could your business benefit from access to better credit limits and increased working capital?
Lightbulb Credit is the UK’s first business credit repair service, dedicated to helping companies understand their credit ratings and limits, and gain access to the best terms they can get.
Our unique credit rating improvement service uses a tried and tested method that gets results quickly. We can help you review, repair and improve your company credit rating to really unlock the full potential of your business.
Unique approach
Our agreements with the five main credit rating agencies enables us to provide our clients with a more comprehensive and detailed review of their credit status.
Risk free solution
We want to add value to your business by offering a risk-free solution, if we can’t improve your company credit ratings you don’t pay a penny.
Proven track record
Lightbulb Credit has a proven track record with many satisfied clients and we’re extremely proud of our 100% success rate in company credit repair.
Trust the experts
Our knowledgeable team have over 25 years of trade credit rating, finance and treasury experience, so you can be sure your business is in good hands.
The Lightbulb Process
Don’t be in the dark about your company’s credit profile
Review
Our unique whole market summary provides an easy to understand overview of your company across all the 5 main rating agencies.
Recommendations
Using our knowledge we can make a series of recommendations to enhance and improve your trade credit profile.
Repair
We have unique, easy to complete templates that ensure we minimise the time and maximise the impact of our trade credit repair process.
Results
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.
Our Credit Services
Credit Review
Our business credit rating report reveals how your company is viewed by the 5 main trade credit rating agencies in the UK. This completely FREE service provides an invaluable insight for any business wanting to know more about their credit profile and future potential.
Credit Repair
Using your business credit report and key company information provided by you, we can improve your credit rating in as little as 3 days. We have a 100% success rate and if we can’t increase your credit rating then you won’t pay a penny!
Credit Monitor
We provide an active monitoring service on your company’s trade credit profile, ensuring you are the first to know about any changes and enabling you to spot and deal with any potential issues before they have an impact.
CCJ Removal
Removing a CCJ from your business credit profile can be difficult and time-consuming. Our unique CCJ removal service takes the stress out of the situation, speeding up the process considerably and restoring your credit ratings and limits quickly.
Our Credit Repair Results
Total Cases
Increase in trade credit for our clients
%
Success Rate
Client Feedback
Don't just take our word for it!
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.
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