Menna brings together your personal and business credit scores, showing you how lenders see you. Get clear, actionable steps to improve your score and secure the right credit at the best rates.
Your credit score is a three-digit number that shows how well you manage credit. Lenders use it to decide whether to approve you for loans, credit cards, mortgages, and other financial products.
A higher score means lower risk, making it easier to borrow money and get better interest rates. A low score can limit your options or make borrowing more expensive.
Different credit agencies use different scoring ranges, but a higher score generally improves your chances of being approved for credit.
Menna Credit Score Bands
Menna’s Combined Credit Score shows you how banks and lenders see your business – and what they’re looking for. By analysing both your personal and business credit reports together, Menna gives you a more accurate picture of your financial health.
Unlike a standard business credit score, Menna identifies all the factors affecting your access to credit and shows you the changes that really matter—helping you secure the best funding options.
Your score is based on a combination of financial data that lenders consider together when making credit decisions:
How long you’ve been trading, where you’re based, what your business does.
Late or missed payments lower your score, while paying on time improves it.
Using too much of your available credit can negatively impact your rating.
A longer credit history can help build a stronger score.
Too many applications in a short time can lower your score.
CCJs, bankruptcies other formal debt arrangements can seriously damage your score.
Lenders look at a range of financial data together with your Credit Score. That’s why Menna also provides
Your income, expenses and existing borrowing. If your outgoings are too high, lenders may see you as a higher risk.
Can you cover your repayments. Consistent income is seen as lower risk.
Your likelihood of getting funding before you apply based on all these factors.
A UK-registered business (Sole Trader, Limited Company, or Partnership)
A connected business bank account for real-time insights
A few minutes to check your score and start improving it
Essential
Plus
Menna combines both business and personal credit scores, plus affordability insights, to give you a complete financial picture—something traditional credit scores don’t provide.
Most small business lenders check personal credit scores, especially if your business is new or has limited history. Strong personal credit can improve your chances of getting approved for business funding.
No. Menna provides a soft check, meaning it won’t impact your credit score or appear on your credit report.
Your score updates regularly as new financial data becomes available, so you can track improvements over time.
Simply click the “Sign up” button, enter your business details to start using Menna.
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