01
Slow credit decisions cost cash
Delayed approvals slow revenue and frustrate good customers, pushing them to competitors.
Solutions / Business credit reports
Business credit reports
Know who to extend credit to. Stop surprise defaults before they happen.
Fast, explainable business reports that combine credit data, payment behaviour and adverse events, so your credit team can approve, decline or proactively manage accounts with confidence.
Live data · Portfolio alerts · Full audit trail
Report liveCASE · BCR-1023
CREDIT HEALTH
LIMIT GUIDANCE
£85,000
Payment behaviour
Signals
CleanNo recent CCJs
MonitorLate payment trend detected
ChargeNew charge registered
CleanDirector check clear
Sources queried: 8credit · charges · CCJs
Combined credit data and public records
Companies HouseCredit reference dataCommercial credit dataTrade referencesCCJs & court recordsInsolvency registerDirector disqualificationsUBO registersFinancial statementsPayment performance
The cost of poor visibility
Extend credit confidently — not blindly. Missed signals cost money.
02
Missed defaults blow margins
Without timely signals you under-price risk and inflate write-offs.
03
Blind portfolio risk
Without continuous monitoring, emerging exposures go unnoticed until they crystallise.
One-off report vs. continuous
A report ages the moment you run it.
Same customer, same 90 days. Flip between a one-off report and ClearSignal monitoring, and watch the deterioration a snapshot would never have shown you.
⏸ Pulled once · 94 days ago
A snapshot of company health.
A point-in-time report used for onboarding or a one-off check. Useful until the company changes and you don’t hear about it.
Day 0Initial report — healthy tradingSteady revenues · on-time payments
12 JunLate payments spikeSupplier reports show changing behaviour
20 JunCCJ filedCounty Court Judgment registered
05 JulInsolvency noticeCreditor engagement process begins
NowDecision refreshedCredit limit reduced · monitoring escalated
What changes with ClearSignal
Faster, more confident credit decisions.
01
Approve trusted customers faster
Shorter onboarding and quicker credit decisions keep revenue moving and good business in.
02
Reduce write-offs and exposure
Catch deteriorating counterparties earlier and act before the loss crystallises.
03
Continuous portfolio visibility
Rolling signals and alerts mean you never miss a material change across the book.
How it works
From report to action in five steps.
Explainable data, your policy and continuous monitoring in one workflow.
1
Set your credit policy
Define limits, thresholds and watch triggers. Your policy governs every decision, consistently and automatically.
2
Pull the company report
Aggregated financials, CCJs, ownership and payment history from multiple trusted sources in seconds.
3
AI risk triage
ClearSignal ranks risk with explainers: why a company is flagged and which evidence matters most.
4
Review and decide
Reviewers get concise context and evidence to approve, decline or set terms quickly.
5
Ongoing monitoring
Continuous checks catch new CCJs, insolvency filings and adverse events and re-evaluate automatically.
Capabilities
Designed for credit teams.
Score, monitor and act, with the evidence behind every decision.
Trade credit scoring
Customisable scores calibrated to your portfolio and risk appetite, not a generic one-size number.
Payment behaviour timelines
Visualise supplier and customer payment trends to spot deterioration before it becomes a default.
CCJ & court filing alerts
Immediate flags when a legal filing or judgment appears against a monitored company.
Ultimate beneficial owner mapping
See who really controls a business across complex group and ownership structures.
Company group & link analysis
Detect hidden exposures through ownership and shared-director links across the portfolio.
Automated alerting
Policies trigger notifications and re-evaluations automatically as new signals land.
Audit trail
A record of checks, evidence and decisions.
Every query, match and reviewer action is recorded with timestamps and supporting evidence, for compliance, credit committees and dispute resolution.
Book a demo →Case BCR-1023 · audit log
✓
Sources queried
8 sources · Companies House · credit reference & public records
⚠
Late payment trend detected
Supplier reports & trade references
!
CCJ filed
County Court Judgment · court filing flagged
✓
Limit adjusted · monitoring escalated
Action recorded with rationale
Continuous monitoring
A report ages the moment you run it.
A point-in-time report is useful until the company changes and you don’t hear about it. Continuous monitoring surfaces each event the moment it lands, so the limit moves before the loss does.
Monitoring · liveStartNow
Initial reportHealthy trading
Late payments spikeRising DPD
CCJ filedCounty Court Judgment
Insolvency noticeCreditor process
Limit reducedMonitoring escalated
StartNow →
Frequently asked
Questions credit teams ask first.
Aggregated financials, payment history, CCJs, insolvency markers, director and ownership data, and trade-reference summaries, combined into one explainable view with the evidence behind each signal.
Individual reports are available in seconds. API or Salesforce integrations typically take a few hours to configure for programmatic access.
Yes. Scores and thresholds are configurable so they match your risk appetite and portfolio behaviour, and they run consistently across onboarding and monitoring.
Yes. Continuous monitoring catches events that occur after onboarding (new CCJs, insolvency filings, adverse media) and triggers re-evaluation against your policy.
We aggregate multiple sources and present confidence levels, so your team can weigh the evidence quickly rather than relying on a single data point.
Yes. We offer API and Salesforce connectors for programmatic access and workflow integration with your existing onboarding and credit-control tools.
Start free
See the credit picture before you commit.
Reduce exposure with data-driven limits, continuous alerts and explainable risk signals tailored to your business.
Live credit scoresPortfolio alertsUBO mappingAudit trail