Understand your score, improve it and unlock better business and personal finance options
Your personal credit score is a three-digit number that lenders use to assess how well you manage credit. It determines whether you get approved for loans, credit cards and even business finance.
For small business owners and sole traders, your personal credit score often plays a big role in business loan applications -especially if your business is new or has a limited credit history.
With Menna, you can check your score for free, understand what affects it and get clear, practical steps to improve it.
A good score boosts your chances of getting accepted.
Higher scores mean better deals on loans and credit cards.
From car finance to phone contracts, your score is key.
Improve your score and get access to better financial opportunities.
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.
For sole traders and small business owners, your personal credit score can directly impact your ability to:
Menna makes it easy to track these factors and take action to improve your score.
Credit checks available for UK residents aged 18+
Anyone with at least one active credit account (e.g., credit card, loan, mortgage)
Small business owners and sole traders seeking to improve their financial stability
A UK-registered business (Sole Trader, Limited Company, or Partnership)
A connected bank account for real-time insights
A few minutes to check your score and start improving it
Your Menna Combined Credit Score gives you a complete view of your creditworthiness by assessing both your personal and business finances—just like lenders do when reviewing business loan applications.
Many small business lenders look at personal credit scores, especially if your business is new or has a limited credit history. That’s why Menna combines:
before applying for credit.
both personal and business.
with a stronger overall credit profile.
Get real-time insights, clear advice, and the tools you need to strengthen your finances.
Join Menna for free and start improving your credit score today!
Each credit agency has its own scoring system, but generally:
No, checking your own score is a soft search and won’t affect your credit rating.
Pay bills on time, reduce outstanding debt, avoid too many credit applications at once, and ensure your personal finances are in order.
At least once a month, so you can track changes, fix errors and improve before applying for finance.
Many lenders check your personal credit score, especially if your business is new or has limited credit history. A higher score improves approval chances and loan terms.
Yes, but it may be harder to secure and lenders may offer higher interest rates or require a personal guarantee for business loans.
5 Reasons Why Small Business Owners Should Run Credit Checks on Suppliers and Customers
© 2025 Menna.
