01
Speed vs. thoroughness
Scores, director history and connected entities sit in separate systems, forcing a choice between a fast decision and a complete one.
Who It's For / Alternative Lenders & Invoice Finance
Alternative Lenders & Invoice Finance
Faster credit decisions that protect your book.
ClearSignal brings company financials, director history and connected entities into one view, applies your lending criteria as enforceable rules, and surfaces repeat-director and group exposure before you advance funds.
One credit view · Policy-led decisions · Continuous monitoring
Underwriting liveAPPLICATION · ALF-3471
▲ Review before advance
Harbour Plant Ltd
Facility request · £250k
Financials · directors · connected entities
Underwriting signals
Repeat director · 2 prior defaults
Same controller, new entity
Pattern
just now
Group exposure building
3 borrowing entities linked
Group
1m ago
Score within appetite
Policy threshold met
Credit
3m ago
Connected entities: 9--:--:-- UTC
One view of the borrower and its network
Company financialsDirector historyConnected entitiesCCJs & winding-up petitionsSanctions · PEPAdverse media
Why credit risk slips through
The default was predictable. The connection wasn’t visible.
02
Repeat-director risk is missed
The same directors behind multiple defaults slip through. The connection only becomes obvious after the second loss.
03
Group exposure builds quietly
Concentration risk accumulates across related entities because exposure isn’t tracked at the group level.
Point-in-time vs. monitored
A score at advance isn’t a managed book.
Same borrower, same 90 days. Switch between a one-off credit decision and ClearSignal monitoring to see the deterioration a snapshot would never have flagged.
⏸ Scored once · at advance
Advanced on a clean score.
The borrower scored within appetite and you advanced. Everything since, the connected winding-up petition and the new CCJ, happened off your radar.
Day 0Facility advanced — CLEARScore within appetite
Day 24Connected winding-up petitionLinked entity
Day 41CCJ registeredRegister of Judgments
Day 58Credit score deteriorationThreshold breached
NowTerms tightened · evidencedAction recorded
What changes with ClearSignal
Decide faster. Protect the book. Defend every call.
01
Faster, complete decisions
Credit, director history and entity relationships in one policy-driven view: speed without losing thoroughness.
02
Catch repeat-director & group risk
Connected parties and repeat-director patterns surface before you advance, and exposure is tracked across the group.
03
Audit-ready by default
Data sources, the rules applied, reviewer decisions and timestamps are captured automatically.
Capabilities
Built for lenders who manage a book.
Policy-to-Rules engine
Turn lending criteria into enforceable limits: scores, LTV, debt ratios and escalation triggers.
Decision Assistant
Clear approve/decline recommendations with cited reasoning, not an opaque number.
Company relationships
A full entity graph linking directors, UBOs and connected companies in one view.
Group exposure
See concentration risk across multiple borrowing entities, not just the single applicant.
Ongoing monitoring
Track credit changes, CCJs, winding-up petitions and adverse media after you advance.
Audit trail by default
Sources, rules applied, decisions and timestamps preserved for every case.
Group exposure
The default was predictable from the group.
ClearSignal brings the borrower and its connected entities into one view: directors, guarantors, group companies and SPVs. Concentration and phoenix patterns surface before you advance.
Clear
Watch
Risk
Borrower Co
Director · dissolved
Group parent
Connected co
Guarantor
UBO
Linked SPV
Frequently asked
Questions lenders ask first.
Yes. Your criteria become enforceable rules (scores, LTV, debt ratios and escalation triggers) applied consistently across every application.
The company-relationships graph links directors, UBOs and connected companies, so repeat-director patterns and group exposure surface before you advance.
Yes. Ongoing monitoring flags credit-score changes, CCJs, winding-up petitions and adverse media so you can act before a loss.
Yes. Data sources, the rules applied, reviewer decisions and timestamps are captured automatically for every case.
Book a 15-minute demo
Lend faster — and protect your book.
See how ClearSignal brings the borrower and its network into one view, applies your criteria, and keeps watching after you advance.
Policy-to-RulesDecision AssistantGroup exposureOngoing monitoring