Last updated: 26 May 2026

Check your business credit score

Check your business credit score in seconds

Your business credit score is a number that tells lenders, suppliers and clients how financially reliable your business is. With Capitalise, you can check yours for free in seconds.

  • See your Experian business credit score instantly

  • Understand exactly what is impacting your credit score

  • Get instant alerts on risks to your profile

  • All features from as low as £19.95/month, free to cancel at any time

Check your credit score

Our instant business credit reports are powered by Experian.

  • View your full Experian business credit profile

  • See and understand the factors impacting your score

  • Get insights on how to improve your credit score

  • Access affordable finance to grow your business

How to check my business credit score?

You can check your business credit score for free in seconds by signing up to Capitalise. Once signed up, your Experian powered credit profile is available immediately, showing your basic credit score and rating. For a full detailed breakdown of your score, every factor affecting it, and alerts when things change, you can upgrade to one of our paid plans. Pricing starts from £19.95/month and you can cancel at any time.

Check your credit score

OUR PLANS

Track your business credit score, spot areas to boost it and access more affordable funding

  • Free

    A good place to start understanding your company credit profile.

    FREE

    • View your basic business credit score

    Sign up free

  • Startup

    Great for new businesses looking to understand and build their Experian company credit profile.

    £19.95monthly (plus VAT)

    • View your full business credit score

    • See all the factors impacting it

    • Get 3 company credit checks per month

    Select Startup
  • Recommended

    PRO

    A must have for all UK companies. See your full Experian credit profile and credit check key partners.

    £24.95monthly (plus VAT)

    • View your full business credit score

    • See all the factors impacting it

    • Get 10 company credit checks per month

    Select Pro

  • Enterprise

    Ideal for finance and compliance teams looking for a risk management tool.

    £59.95monthly (plus VAT)

    • View your full business credit score

    • See all the factors impacting it

    • Get 100 company credit checks per month

    Select Enterprise

No credit card required or annoying sales calls. Free to signup and try.

Why check your business credit score?

Checking your business credit score tells you how lenders, suppliers and clients assess your business's financial reliability, and where you stand before they make a decision about you. According to Capitalise data from 123,083 companies (January 2026) 48% of UK businesses have an A- D credit score, meaning nearly half are at a disadvantage when applying for funding, negotiating with suppliers or winning new contracts. Knowing your score puts you in control of that picture.

  • Find out your business loan eligibility, before you apply

  • Negotiate better payment terms with suppliers

  • Catch errors or fraud on your profile early

  • Stay ahead of CCJs and legal notices before they cause damage

  • See exactly how your business looks to clients, partners and lenders

Check your credit score

Sign up to check your business credit score

Sign up for free

Do more with an improved credit score

  • Negotiate better terms with suppliers

    A stronger business credit score gives you more leverage when payment terms are on the table, because it signals to suppliers that you're a reliable business to work with.

  • Win more contracts with bigger clients

    A healthy business credit score keeps you in the running for larger contracts, as bigger clients increasingly credit check partners before signing.

  • Access affordable funding with ease

    A better business credit score means lower interest rates, because lenders use your score to set the cost of borrowing, the higher it is, the more you save.

  • Get ahead of risks and opportunities

    Monitoring your credit score means you're never caught off guard, because you'll be alerted the moment something on your profile changes.

What can you do with your Capitalise credit profile?

  • 1
    An illustration of a business credit profile.

    Check your full business credit score and credit limit

    • View the same information that banks and lenders see about your business. This includes your credit score (0–100), a credit rating (A–G), and your risk level.

    • Understand how likely your business is to be approved for funding.

    • See how reliable your business looks to customers and suppliers.

  • 2
    A phone screen showing the factors impacting a business credit profile.

    Understand what affects your credit score

    • See all the factors that impact your score, both good and bad.

    • Identify areas to improve and see what’s working well.

    • Get alerts whenever your credit score changes or an event is registered.

  • 3
    A phone screen showing legal notices registered on a business' credit profile.

    Review your public business records

    • See a summary of information about your business as registered on Companies House. This includes your company’s registered address, a list of business directors and filing history.

    • Check for any legal notices such as County Court Judgments that may harm your credit profile.

  • 4
    A phone screens showing a business' payment performance on their business credit profile.

    Track your historical payment performance

    • View how your business pays suppliers, whether payments are made on time, late, or very late.

    • Understand how these payment habits affect your credit score and how others view your reliability.

  • 5
    An illustration showing the cash and capital position in a business' credit profile.

    See your cash and capital position

    • Get a clear picture of how you manage your cash flow and borrowing.

    • View all your business bank accounts and credit data in one place.

    • Understand how your financial management impacts your credit rating.

  • 6
    An illustration of 3 different company credit profiles

    Check another company’s credit score

    • Credit check up to 100 companies, such as your customers, partners, suppliers and competitors

    • Identify who might be a payment risk or who’s safe to trade with, so you can get paid on time.

    • Improve your credit control by knowing who to chase and when.

  • 7
    A picture of a woman smiling, surrounded by illustrations of different business lender logos.

    Access a marketplace of 130+ UK business lenders

    • Explore a marketplace of trusted UK lenders to find the best funding options for your business.

    • Apply to multiple lenders and track all your applications in one place.

    • Receive support from our dedicated funding specialists every step of the way.

Sign up to see your business credit score
UK Limited Companies only. No credit card required.

Sign up for free

How much does it cost to check my credit score?

You can check your business credit score for free with a Capitalise account. Your free account gives you access to your basic Experian credit information straight away. Paid plans start from £19.95/month and unlock your full credit score, every factor affecting it, alerts when things change, and credit checks on other companies. You can see our plans and compare their features to choose which is right for your business.

Check your credit score

What can I see in my business credit report?

Your Capitalise business credit report shows your full Experian credit score and rating, suggested credit limit, the factors impacting your score, payment history and any legal notices. If you connect your cloud accounting, your report also includes your cash and capital position, giving you an even more complete picture of your financial health and how lenders will assess you.

Check your credit score

Check your credit score, then apply for affordable finance

Checking your business credit score is the first step to finding the right funding, it tells you whether you'll meet a lender's criteria and what interest rates you're likely to qualify for. Once you've checked your score on Capitalise, you can search and compare offers from 130+ UK lenders and apply directly through the platform.

See what else you can do with capitalise for business

Check out these other features

  • Boost your credit score

    Get your business credit score professionally reviewed by Experian and see if you can boost it.

    Review credit score

  • Credit Check Your Customers

    Reduce risk to your business by running company credit checks on customers, suppliers and competitors

    Credit check your customers

  • FIND AFFORDABLE BUSINESS FINANCE

    Get matched with the right lenders for your business with a single search.

    Find funding

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