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Understand and improve your business credit score
- Your business credit score out of 100, powered by Experian
- See what is holding it back, written in plain English
- Better access to credit, and better terms with your suppliers
Why your business credit score matters
Every time you apply for a loan, a credit card, a lease or a trade account, someone runs a check on your company. Most owners never see that number until an application is declined. Binq Business Score puts it in front of you, explains what is driving it, and tells you what to do next.
Get approved more often
A stronger score opens up lenders that would decline you today, and means fewer wasted applications.
Borrow on better terms
Risk pricing is real. The same £50,000 costs less when your file says you pay on time.
Win better supplier terms
Suppliers check you too. A good score is what turns pay-on-delivery into 30 days to pay.
What your score means
Experian scores UK businesses from 0 to 100. The higher the number, the lower the risk you represent, and the more of the market will lend to you.
- 0–20Maximum riskMost lenders will decline. Suppliers will want payment up front.
- 21–40Above average riskCredit is available but limited, and it is priced accordingly.
- 41–60Below average riskLittle reason to doubt credit transactions to the limit assigned.
- 61–80Low riskComfortable ground. Most of the lender panel is open to you.
- 81–100Very low riskThe best terms on the market, from lenders and suppliers alike.
Check your company credit rating whenever you want
Your Experian-powered score sits on the home screen, out of 100, with the risk band written in plain English.
- Tracked over time, so you can see improvement rather than guess at it
- Account cash, cash runway and available funding on the same screen
- Looking at your own score is a soft check: it leaves no footprint
See what is dragging your score down, and how to fix it
Binq breaks your file into the things lenders actually weigh: how close to terms you pay, how many days beyond terms you run, whether the pattern is improving. Each one is written out in plain English, with your industry average next to it so you know whether you are behind or ahead.
- Payment behaviour benchmarked against your industry
- Every factor colour-coded, so you know what to deal with first
- Practical actions, not a list of ratios you have to decode
Also included
Cash position and runway
Connect your accounts and see how much cash you hold and how many months it buys you.
Funding matched to your score
Business credit comparison across the binq marketplace, filtered to lenders likely to say yes.
Talk to a Binq advisor
Chat with a UK-based advisor when you want a second opinion before applying.
One price. Everything included.
£24.99 a month
Your Experian-powered score, payment behaviour, cash runway, improvement actions and advisor chat. No tie-in: cancel any time from your account.
FAQs
A number between 0 and 100 that credit reference agencies give your limited company, based on your filed accounts, how you pay your suppliers and lenders, county court judgments and other public records. Lenders and suppliers use it to decide whether to give you credit, how much, and on what terms.
£24.99 a month. It is a paid subscription, not a free trial that turns into one. Everything described on this page is included, and you can cancel any time from inside the app or your web account.
Scoring is powered by Experian, one of the UK's credit reference agencies. It is the same score a lender or supplier sees when they run a check on your business. We do not invent our own number.
No. Looking at your own business credit report is a soft check and leaves no footprint, however often you do it. Only a formal credit application leaves a hard search on your file.
It depends on what is driving it. Paying to terms and filing on time show up over months, not days, which is why Binq tracks the trend rather than promising a jump. Fixing an error on your file, or getting a defaulted account settled and marked, can move things faster.
No. Sign up on the web and you are straight into your score, on a laptop or on your phone, in the same account.