REVIEW YOUR COMPANY CREDIT RATINGS

Check your company credit ratings for FREE

The first step in our process is a FREE and comprehensive credit insight report. This provides a snapshot of your current ratings and any movement over the last 12 months, giving a valuable insight into how the all 5 of the main UK credit rating agencies view your company.

Our detailed report will show your current credit ratings and recommended credit limits with each agency, plus useful data on other key factors like your payment performance history and the risk level you present.

Why our credit review is different

Our credit insight report takes data from the 5 main credit rating agencies in the UK, giving businesses a unique whole market view of their trade credit profile that isn’t available anywhere else. With this complete picture of your trade credit status our team of experts can easily point out any issues and make recommendations for improving your scores.

Who is our credit review for?

We can work across all sectors and with any business who feel their company credit ratings are suboptimal. This can range from start-ups and SMEs, right through to large PLCs and private equity-backed enterprises. Our credit review is also highly beneficial for companies in turnaround or those going through re-organisations and restructures.

Our promise remains the same whatever your business type or size – if we can’t help improve your business credit rating, you won’t pay a penny.

The business credit rating improvement process

Review

Our FREE credit insight report provides a snapshot of how your business is viewed by the 5 main UK credit rating agencies.

Recommend

With our insider knowledge, we identify actions needed to improve your credit ratings.

Improve

You add your company information into our templates and we’ll work directly with the agencies to get scores re-evaluated.

Results

We can improve your ratings in as little as 2 days, with scores updated by the agencies instantly.

Why choose our business credit improvement service?

Our friendly team of experts all have in-depth knowledge of the business credit rating system. They will explain everything in simple terms and guide you through the process. We handle all cases with total confidentiality and data submitted to the agencies is covered under our NDA ensuring that your sensitive company information is not made publicly available. Because you only pay if we get results, our service is completely risk-free.

GET YOUR FREE COMPANY CREDIT INSIGHT REPORT NOW

CLICK HERE

Client Feedback

Don’t just take our word for it! 

Ecomaster Commercial decided to utilise the expert services of Lightbulb recently as good data matters. As a business, we knew that the challenge of ensuring correct and updated information was essential for customer management purposes, and organisations who wanted to engage with us. We had an initial discovery call with Lightbulb's MD (James Piper) and COO (Olek Smith) who both expertly explained the validation process with Experian and elaborated on how their business could help. We collated the information required which Lightbulb submitted on our behalf. We were kept updated regularly and always informed. In less than 5 days Lightbulb had achieved an amazing increase in our score. We chose Lightbulb because they mirror our ethos by putting their clients and staff at the heart of the business and focusing on high client satisfaction.
Paul GrestyMD, Ecomaster Commercial Ltd
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.
John FCFO, Interim
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.
Stuart HCFO, AIM Listed PLC
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.
Alex BManaging Director, Private Equity Group
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.
Gerry SCFO, P/E Backed Group T/O £190m
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.
James JacksonCFO, ASF
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.
Mark SMD, Licensed Goods Supplier
Having worked at a senior level within a large house building plc, my business partner and I decided to create our own business 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, and James Piper in October 2018 to review and create a strategy to improve our credit rating so that it truly reflected the way our business was being managed and its financial strength. This is a real challenge for new business and is often underestimated in terms of importance.

James and his team not only 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 very proactive and understand how business works. We would have no hesitation in recommending Lightbulb as a future business partner to help create and maintain a platform for success.
Ian WDirector, Housebuilding Limited Company
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Our Services

Company Credit Review

Our business credit rating report reveals how the top 5 credit rating agencies in the UK view your company. This completely FREE service provides invaluable insight for any business wanting to know more about their credit profile and future potential.

Credit Rating Improvement

Using your business credit report and key company information provided by you, we can improve your credit rating in as little as 2 days. We have a 100% success rate and if we can’t increase your credit rating then you won’t pay a penny!

Credit Rating Monitoring

A proactive monitoring service on your company’s trade credit profile. This ensures you are the first to know about any changes, 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. We speed up the process considerably, restoring your credit ratings and limits quickly.

Request a Call Back

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MAIL

enquiries@lightbulbcredit.com

CONTACT

0115 6970825

ADDRESS

Bramley House, Bramley Road, Long Eaton, Nottingham, NG10 3SX