Take control of your finances

Discover how the financial system views you with your Credit Passport business credit score

Get your Credit Passport for
free in a few simple steps.

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A ++ A + A B C D E A ++

The most accurate view of your company

Credit Passport® uses your bank data to update your score - in real time.

It provides steps to build stability, access the lowest finance rates and share your score with your network.


What’s it all about?

Meet Joe and Tony and find out how Credit Passport® can make the difference between growth and frustration...

Powerful tools for SMEs:

  • Improve Centre*
    Discover the drivers behind your business credit score, how to improve and how to build the most healthy and financially resilient business. (*Plus Plan only)
  • Funding Portal
    Connect directly with over 100 lenders and business services, filtered to match your profile to find funding quickly and with minimum paperwork.
  • Credit Passport Web Badge & Certificate*
    Demonstrate financial health and build confidence with suppliers, customers and lenders. (*Plus Plan only)

Trusted by over 25,000 SME’s...

Our rating with Credit Passport has improved over the last 8 months reflecting the steady improvement in our financial position plus judicious use of Credit Passport's metric tools. We have recently started to add Credit Passport web badge to our local websites and email signatures.

We have accessed a CBIL's loan through Credit Passport's partners and recently enquired about multiple insurances with quick response times.

Peter Streathfield, CEO, Javelin Broadband

Business success depends on accurate, relevant, up to date credit scoring and that is why Credit Passport is the product every company should have.

David Salem, CEO, Karjoin Ltd.

Credit Passport is just what the industry needs – reliable credit risk information based on real time data that provides an accurate view of business performance - it’s priceless really

Paul Henderson, Founder & CEO, BARTR Group

We were looking to move business premises and told by the letting agent that another company was ahead of us to secure the contract.  I sent over our credentials, including our Credit Passport certificate showing our score of A+, and was told shortly after that the owner would be proceeding with us instead.

Jon Maine, MD, Jon Maine Ltd.

Credit Passport is extremely easy to access and uses real time data which produces the most accurate credit rating you can get. It’s a huge value-add as it gives SMEs insights normally available to larger organisations

Paul Richards, Founder, Cheery Services

Thank you for holding my hand during the registration process.

Your company has clearly captured the severely underserved SME market and I can see big help that companies will derive from it.

Jurga Zilinskiene, Director, Guildhawk
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0.12% PD

Probability of Default in 1 Year

The only credit score
designed for SMEs

Easy to understand - Instantly recognisable rating scale to communicate to your customers

Yet powerful - Contructed around international banking standards to give a true reflection of how the financial system calculates risk

Applying doesn't affect your credit score

You are in complete control of your data

No credit card required

Authorised and regulated by the FCA


We use Open Banking data from your bank to calculate your Credit Passport.

This is the new secure and regulated way for companies to provide read-only access to their banking data.

Open Banking for SMEs
Round 1 - 2017

Open Banking for SMEs
Round 2 - 2017

Open Banking for SMEs
Round 3 - 2018

Best use of Open Banking Data

#Power Of The Network

Best App Proposition Commercial

Open Banking Pioneer (Organisation)

Most Innovative Product of the Year

Best SME Open Banking Solution

SHORTLIST Customer Engagement Solution 2021

Credit Risk Solution

Open Banking in Credit & Collections

Innovation in Credit

CRIF: No 53.
9 Years in FinTech 100


Most innovate Product

Best SME Credit Scoring Solution

Take control of your financial profile

Improve your Credit Quality

Credit Passport® is the only credit score based on your real-time business banking data,

Understanding and nurturing it helps you build a stable and robust company - ready for growth or challenges ahead.

Get your score
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Differentiate in a crowded market

Share your Results

With a Credit Passport® badge, businesses can easily demonstrate to their network that they are a stable, financially sound and reliable partner.

This can lead to better supplier payment terms, standing out in new business pitches and faster procurement on-boarding.

Get your score
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Open the flow of credit
to your business

Match with lenders

By putting the credit score at the beginning of the process, it means we can introduce you to tailored offers specifically created for your profile.

Application is simple and cuts down lengthly form filling.

Get your score
A ++

What is a business credit score?

Your business credit score is a measure of the financial health of your company, as a separate entity to you as an individual. 

A good business credit score, of B or above, represents low risk and means you are more likely to be able to borrow at the lowest rates, secure deals with suppliers or extend your other financial facilities.

A score of C or below means you may have some work to do to build resilience in your company and place it in the best light for the financial market.

Either way Credit Passport® can help... 
Credit Passport shows you areas of focus to stay strong, or improve your score, and is fully aligned with how the largest banks view your risk.

We also match you to lenders and suppliers that can work with you, even if you have a lower business credit score. By putting the credit assessment at the beginning of the process we save your time by showing you finance options that have the best chance of proceeding.

Get business finance smart in our Learning Centre...

We've put together the best in SME business information, to give you a single trusted source for everything you need to know to keep your business financially strong.

Check our Business Learning Centre to find out more

Choose your plan

Discover your score in just a few minutes.
Choose the plan that suits you best.




discover your score

Live Credit Passport score
Analyse account
Tailored offers


/ month


share and learn

Live Credit Passport score
Analyse account
Tailored offers
Website Badge




connect and plan

Live Credit Passport score
Analyse account
Tailored offers
Website Badge
Detailed analysis
Score Network


What is special about the way Credit Passport creates credit scores?

Most credit scores are created by looking at the amount of debt you or your company has with the financial system. For companies, it is also common to look at your most recent filed company accounts. However, these accounts usually reflect finances from 12 or 18 months earlier, and the debt only tells one side of the story.

Credit Passport is different. It is the only credit score for business created in real-time, that reflects the fast changing nature of SMEs.

Credit Passport connects to your bank accounts using Open Banking and updates weekly. It has been designed from the ground up to reflect how your own bank views and makes lending decisions about you, giving you rare insight into what you need to do to be seen in the best light, how to be more financially resilient, and how to access the lowest lending rates.

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What is Open Banking?

Open Banking is the secure way to give providers like Credit Passport access to your financial information.

OpenBanking.org itself is the organisation in the UK set up by the CMA (Competition and Markets Authority) to oversee the implementation of the European PSD2 directive on behalf of the UK government.

Unlike in other countries, in the UK a decision was made to standardise the way all banks provide the access to their accounts. OpenBanking.org sets out these standards, generates the secure certificates that are used to make a connection, and keeps the directory of all the regulated companies with permission to access accounts. You can view our entry here.

Every time a request for data is initiated, a lookup is made against this directory and it is only processed if there is an active and valid entry.

There are lots of detailed FAQs on the OpenBanklng website here.

Sometimes you may also hear about Open Banking in the press as a concept. This is because it has become the term that refers to the principle of sharing data for a more fair and open financial world.

If you see 'Connect your account with Open Banking' it means that it is secure, regulated, and that you are in control of your data.

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What data do I need to provide to get a Credit Passport?

Just as any accountant or financial adviser would, we need to be granted a read-only view of your main business bank account.

You grant us this using our 'Connect your account with Open Banking' screen. 

We also look up some additional data from Companies House and other public information sources that list your filled company accounts.

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Is my data safe?

We take your privacy very seriously. We do not share any of your data for marketing purposes at all. We are regulated by the Financial Conduct Authority in the UK and the Central Bank of Ireland in the EU, who are responsible, amongst other things, for ensuring we have world class and robust technical and procedural infrastructure in place to provide financial services.

The way Open Banking works, is at no point do we ever see or have access to your banking passwords. After you have told us who you bank with, we redirect you to your banks own website where you log in as you would as usual on their website or app. You approve the request for your bank to send us your account data.

All of our sites and systems are fully encrypted using 256bit encryption, and triple checked by specialist security teams.

Once we have processed your transaction data, even our team cannot access it directly, and only an anonymised version of your account data is made available to our algorithm for continual improvement and data quality monitoring.

Finally, Credit Passport is made by CRIF SpA, one of the largest credit information companies in the world, serving tens of thousands of banks and millions of individuals and businesses globally every day.

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What is a Credit Passport badge?

If you have a Credit Passport score of B or above, you are eligible to get a Credit Passport badge. This simple embed code shows your live Credit Passport score to all of your web visitors, setting your company apart from the competition and demonstrating that you are a reliable and stable business partner for your clients and suppliers.

A Credit Passport badge is available on an active plus plan and above.

It can be inserted into any website by cutting and pasting one line of code, in the same way you would add a YouTube video to a blog. It should only take your web designer a few minutes to do, and you can contact us for any assistance that you need getting it set up.

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Is it really free?

Yes! - Discovering your Credit Passport business credit score is free, forever.  We don't even take payment details when you sign up.

We do offer an optional PLUS plan, with great additional features, such as access to our IMPROVE and SHARE sections, which is £20 + VAT per month - but if you join our free plan you're welcome to use the service to understand and monitor your score without any charges.

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