SMEs are an essential element of the UK economy and access to credit is imperative to their growth.

However, the sector is the least well served by the financial sector restricting vital access for credit.

The lack of an effective standardised and transparent credit scoring system means the sector is underfunded and competition is stifled.

We have responded by creating Credit Passport®, a real time credit report used by Banks, Alternative Lenders and Comparison Platforms to provide the most accurate and current view of an SME’s credit quality.

Because of Credit Passport’s industry recognised standard, and its clear and concise output, it facilitates accurate pricing of credit - speeding up decision making and improving the flow of credit to SMEs across the board.


Credit Passport®, is proudly made by CRIF Realtime Ltd., a London based Fintech regulated by the Financial Conduct Authority.

CRIF Realtime Ltd. is part of CRIF, a global company specialising in the development of credit bureau services, business information systems and credit solutions, which operates in more than 35 countries in four continents (Europe, America, Africa and Asia). With over 10,500 banks, 600 insurance companies and 82,000 business clients in 50 countries, CRIF constantly innovates to harness the power of data and solutions, enabling its clients to streamline decision making and accelerate digital innovation.

Together with our partners we are changing the way SMEs and the financial system do business together.



CDR Ltd. formed


First Credit Passport sold in Italy


Moody’s Analytics became CDR shareholders

Introduced Credit Passport Badge


Reached sales of 2000 Credit Passports in Italy


Nesta Challenge 1st round award winner


Acquisition of EuroCons, now CDR Italia, taking staff to 120


Creation of CDR Realtime Ltd.


Sales of 4000 Credit Passports in Italy, with 15 partner banks


Launch Credit Passport in France, Spain and Germany


Nesta Challenge 2nd round award winner


One of the first six companies to be authorised by the FCA as an AISP


Nesta Challenge 3rd round award winner


CRIF S.p.A. became CDR shareholders, CRIF Realtime Ltd. is born


Successfully connected to the CMA9 banks using Open Banking


Launch of creditpassport.com beta site


Launch of creditpassport.com to SMEs


Free COVID-19 SME support tools launched


Credit Passport PLUS Plan goes live


We are officially recognised by the FCA in the UK, and the Central Bank of Ireland in the EU as an Account Information Service Provider (AISP). This certification means we are able to offer a full range of safe credit scoring products in the UK and throughout Europe.

In 2017, the Competition & Markets Authority and the 9 biggest banks in the UK tasked Nesta to create a global challenge prize to bring innovation and disruption to the banking world. We are very proud to have been selected as a winner of the prize in May 2017, December 2017 and again in May 2018, giving us insight, access and data to become one of the major players in the OpenBanking environment. Since then we’ve been consistently shortlisted or won a host of industry awards, recognising our impact to SMEs and credit decision making.