Founder of Grand. Building business credit intelligence for the AI era.
Thoughts
Two suppliers extend credit to the same building contractor. Same trade, same region, same credit score sitting quietly at the top of both their files. One of them shortens terms in early May and caps the exposure. The other keeps shipping on thirty-day terms until a winding-up petition
Thoughts
Every credit decision asks three questions. Most tools only answer one—and we keep letting them answer all three. Think about the account that went wrong. Not the one that failed a check — the one that sailed through it. The report came back low risk. Clean score, green light. You
Thoughts
CCJs, winding-up petitions, director changes and late filings rarely arrive without warning. The question is whether you see them in time to act. Two builders’ merchants supply the same contractor on the same 60-day terms. Same invoices, same exposure. When the contractor goes under, one merchant has been
UK B2B credit and lending news digest, 7–13 June 2026 Summary New this week: UK monthly GDP turned negative for the first time since August 2025, contracting 0.1% in April as the Middle East conflict fed through to services output.(1)(2) What matters isn't the
Thoughts
For most credit controllers, the aged debt report is still the starting point for the day. It shows what is overdue, how long it has been overdue, and where the biggest balances sit. But aged debt only tells you what has already happened. For experienced credit controllers, especially those managing
News
UK B2B credit and lending news digest, 17–23 May 2026 Opening Summary The British Business Bank confirmed a £350m ENABLE Guarantee with Allica Bank, including Sona Asset Management as another investor, to unlock up to £700m of SME asset-finance lending.¹ This is the week’s clearest credit-supply
News
UK B2B Credit and Lending News Digest 10–16 May 2026 – Covering 10–16 May 2026. Summary Funding Circle’s 2025 Economic Impact Report, produced with Oxford Economics, confirmed that alternative providers and challenger banks now account for 68% of UK SME lending, making the Big Four the structural minority.
Thoughts
Checking credit risk is like checking the structural health of a bridge before sending heavy trucks across it. The bridge may still be open, but you need to know if cracks are forming, whether the load is getting heavier, and when it is time to slow down, reroute, or stop
Thoughts
For decades, commercial credit assessment has suffered from the same fundamental problem. Most decisions are made using static snapshots of businesses that are constantly changing. Financial statements are outdated by the time they are filed. Credit reports often miss operational deterioration. Manual reviews depend heavily on fragmented data, analyst interpretation,
News
UK B2B Credit Intelligence Digest — 3–9 May 2026 Summary The Construction Products Association cut its UK construction forecast to −2.5% for 2026, its biggest single downgrade on record, and the April construction PMI collapsed to 39.7 (from 45.6 in March). Two things to watch underneath the
Product
There's a question that shaped everything we built over the last year. What if AI's role in credit isn't to make the decision, but to help the person making it understand what's changing before it's too late? That question led
Thoughts
There's an old saying in business. What gets measured gets managed. But today, UK CFOs are discovering a harder truth. What doesn't get automated gets left behind. Across British boardrooms, the pressure to adopt artificial intelligence has stopped being a strategic conversation and started being a