Three things, essentially: who the company is, how its money moves, and its credit picture. Each has a clear purpose, and most of it we can gather ourselves once you point us at the right sources.
The three inputs
- Who the company is. Its registered name, number and status at Companies House — which is why we check Companies House and why your filing status matters.
- How its money moves. Its business-account activity, connected read-only by Open Banking, so we can assess affordability. See which business bank accounts you can connect.
- Its credit picture. A business credit check on the company. See whether we check the company or you personally.
Companies House data we pull ourselves; the bank feed you authorise in a couple of minutes; the credit check we run. You are mainly confirming details and consenting, not compiling a dossier.
Anything extra
If a particular detail needs clarifying we ask for it in the flow — see what documents we might ask you to provide. For the complete pre-start list, read what information you need before you start.
Have it to hand? Apply.
We lend only to UK limited companies and LLPs, the loan is to the company with no director personal guarantee, and this is business finance outside the consumer-credit regime — as an exempt lender under Article 60B of the Regulated Activities Order we sit outside FCA consumer-credit regulation, so the Financial Ombudsman Service and FSCS do not apply.
See also: What information you need before you start?, Why we check Companies House?, Which business bank accounts you can connect?.