How early do credit risk signals need to be for them to matter?

A company doesn't collapse overnight. It deteriorates. Slowly at first, then all at once. The cash reserves thin out. Supplier payments start slipping by a few days, then a few weeks. The overdraft gets used more frequently. The revenue line looks fine on paper, but the money coming

Why Filing Health matters: The hidden signal behind better credit decisions

Imagine you're buying a used car. It looks polished on the outside, the photos are clean, and the seller says it runs perfectly. But before handing over the money, you'd want to see the service history. And not just whether records exist — you'd want

How reliable is the data behind your credit decisions?

You pull a credit report. It shows a score, a risk band, maybe a recommended credit limit. It looks authoritative. It feels like enough. But here's a question most credit teams never think to ask: how reliable is the underlying data that score is built on? Not the

What the latest energy shock means for UK construction

The UK construction industry is facing a renewed wave of cost pressure. Not the slow, predictable kind that gets priced into next quarter's tenders. The kind that moves faster than most businesses can plan for. In March 2026, the monthly average for Brent crude rose from $70.89

Do credit scores tell the full story?

A credit score is one of the most relied-upon numbers in B2B trade. It sits at the top of every credit report, it shapes lending decisions, and it often determines whether a supplier says yes or no to a new trade account. For decades, it has been the starting point,

Grand raised $5M to build the trust network for the real-world economy

Today we're announcing that Grand has raised $5M in funding led by 20VC, with participation from NAP (formerly Cavalry Ventures) and Firedrop. This is a milestone for us, but this post isn't just about the raise. It's about the mission we set out to

Net terms aren't a cost centre. They're a growth lever.

If you ask most finance teams how they think about net terms, net 30, net 60, net 90, you'll hear words like "exposure," "risk," "working capital drag," and "cost of carry." Net terms are treated as a concession: something you

The 5 tools every credit team is stitching together

Ask a credit manager how they assess a new trade account and you won't hear about one system. You'll hear about five. Maybe six. A credit report from one provider, a Companies House check in another tab, an internal spreadsheet tracking payment history, an email thread

How AI is changing the way businesses make credit decisions

Credit decisioning hasn't changed in 20 years. Five tabs, stale data, and days of waiting. AI is about to change that, not by replacing credit teams, but by giving them continuous intelligence, forward-looking insight, and the ability to turn every decision into a growth opportunity.

The cost of outdated credit scores

A goalkeeper who saves every shot looks brilliant until you realise the team never scores. That's what's happening in trade credit. The entire system is built around preventing the worst outcome, and nobody's counting the goals that are never taken. When suppliers think about