A strong business credit score can help you secure loans, better supplier terms and financial deals. Check yours for free and find out how to improve it.
What Is a Business Credit Score?
Your business credit score is a 3 digit number that lenders, banks and suppliers use to assess how reliable your business is with money. A higher score means you’re seen as lower risk, making it easier to access funding and better financial terms.
When you apply for finance to fund a new business or expand an existing one lenders look at both your business and personal financial history. They use this information, alongside your business plan and cash flow projections, to decide whether to approve your application and on what terms.
Why Your Business Credit Score Matters
Better Access to Finance
A strong credit score improves your chances of getting loans, credit cards, and overdrafts.
Lower Cost of Business
Businesses with good credit scores get better interest rates and supplier terms.
Stronger Reputation
A high score builds trust with banks, lenders and suppliers.
Who’s It For?
Sole Traders & Freelancers
Your personal credit score affects your business finances—see how and take control.
Small Business Owners
Understand your company’s financial health and improve your chances of securing funding.
Growing Businesses
Need investment or supplier credit? Learn how to boost your score for better deals.
To sign up, you’ll need
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
How Menna Helps You Improve Your Business Credit Score
Check Your Score Instantly
See how lenders view your business.
Understand What’s Impacting It
We break down the key factors affecting your score.
Get Personalised Tips
Learn simple steps to boost your score and improve your financial options.
See Your Funding Options
Connect with lenders suited to your financial profile.
What Affects Your Business Credit Score?
Your business score is based on:
- Your Payment History – Late payments can lower your score.
- Your Company’s Age – Older businesses are seen as more stable.
- Your Credit Use – High credit usage can affect your rating.
- Your Personal Credit – As a small business owner, your personal credit score also plays a role.
Menna makes it easy to track these factors and take action to improve your score.
Check Your Business
Credit Score with Menna Today
Get real-time insights, clear advice, and the tools you need to strengthen your business finances.
Join Menna for free and start improving your business credit score today!
Frequently Asked Questions
What is a good business credit score?
A good business credit score on Menna is typically above 650. Higher scores mean lower risk to lenders, increasing your chances of getting finance with better terms.
Does my personal credit score affect my business credit?
Yes, especially for sole traders and small businesses. Lenders often check your personal credit history alongside your business credit score when assessing applications.
How can I improve my business credit score?
Pay invoices and loans on time, limit outstanding debt, keep business finances separate from personal and regularly check your credit report for errors.
Who checks my business credit score?
Lenders, banks, suppliers, insurers and even potential partners may check your score before offering finance, trade credit, or contracts.
How often should I check my business credit score?
It’s good practice to check your score monthly to spot issues early and take action if needed. Regular monitoring can help you maintain a strong financial profile.