www.portmanassetfinance.co.uk Open in urlscan Pro
35.190.31.54  Public Scan

Form analysis
3 forms found in the DOM

/wp-content/themes/portman-theme/includes/zoho/create-contact.php

<form action="/wp-content/themes/portman-theme/includes/zoho/create-contact.php" class="contact-form" siq_id="autopick_8190">
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  <div data-screen-id="one" class="screen active">
    <h3>Drop us a note</h3>
    <p>For loan or asset finance enquiries please use <a href="#form">our enquiry form</a> instead. For supplier or administrative enquiries please use the form below </p>
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      <label for="First_Name">What is your first name?</label>
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    <h3>Thank you!</h3>
    <strong> Thank you for sending us a contact request. Our Client Relations team will handle your enquiry and will come back to you within 24 hours. </strong>
    <p> In the meantime, take a look at our frequently asked questions </p>
    <a href="/faq/" class="button green">View FAQs</a>
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    <h3>There was an error</h3>
    <p>
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    <a href="#contact-form" class="button green">Contact us</a>
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/wp-content/themes/portman-theme/includes/zoho/create-lead.php

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    <h3>About your business</h3>
    <p>Tell us about your business so we can assess your finance options.</p>
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      <label for="Finance_Amount">How much would you like to borrow?</label>
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    <div class="tooltip"> Finance from £10,000 </div>
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							<div class="title">Sole trader or Partnership</div>
							<div class="subtitle">Contact Portman Financial Services</div>
							<img width="66" height="76" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%2066%2076'%3E%3C/svg%3E" alt="Sole Trader" data-lazy-src="https://www.portmanassetfinance.co.uk/wp-content/themes/portman-theme/img/form/icon-options/sole-trader.svg"><noscript><img width="66" height="76" src="https://www.portmanassetfinance.co.uk/wp-content/themes/portman-theme/img/form/icon-options/sole-trader.svg" alt="Sole Trader"></noscript>
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            <p> Due to the current Financial Regulations, Sole Traders and Partnership enquiries will be handled by Portman Financial Services. Please click below to jump to our dedicated website </p>
            <a href="https://portmanfinancialservices.co.uk/#form" target="_blank" class="button" id="pfs-button">Visit Portman Financial Services</a>
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    <h3>About you</h3>
    <p>We’ll use this if we need to contact you about your application.</p>
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        <p for="Are_any_of_the_D_s_SH_s_a_homeowner">Are you a UK homeowner?</p>
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      <label for="Personal_Home_Postcode">What is your home postcode?</label>
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    <div class="tooltip"> Some of our lenders only work with homeowners </div>
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        <option value="" disabled="" selected="">Select from the drop-down menu</option>
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        <option value="Email">Email</option>
        <option value="Google/Bing Search">Google/Bing Search</option>
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          <label for="First_Name">What is your first name?</label>
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      <div class="col">
        <div class="field text required">
          <label for="Last_name">What is your second name?</label>
          <input type="text" name="Last_name" placeholder="Second name">
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    </div>
    <div class="field text required">
      <label for="Email">What is your email address?</label>
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    <div class="field phone required">
      <label for="Phone">What is the best number to reach you on?</label>
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      <div class="privacy"> Phone numbers must be <strong>UK format.</strong> <br><br> We will only use your number to contact you regarding your financial requirements. We will not sell or pass on your data to third parties </div>
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    <div class="privacy"> By proceeding and submitting your details you allow us to use them to follow-up your enquiry and to contact you in the future with information about financial products and services. You can unsubscribe from communications at
      any time, for more details please read our <a href="/privacy-policy/">privacy policy</a>
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    <h3>Thank you!</h3>
    <p>
      <strong> You’re all set! Thank you for submitting your eligibility form. One of our account managers will be in contact within 24 hours. </strong>
    </p>
    <a href="/faq/" class="button green">Got questions?</a>
  </div>
  <div data-screen-id="six" class="screen error">
    <h3>There was an error</h3>
    <p>
      <strong class="message"> There was an error sending your information. Please contact us using the information here instead: </strong>
    </p>
    <a href="#contact-form" class="button green">Contact us</a>
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Text Content

Excellent

400+ reviews on

01604 761 276
 * Business Finance
   
   
   * BUSINESS FINANCE
     
     Secure your future and unlock your potential with Portman's fast,
     affordable finance solutions.
     
     Excellent 400+ reviews 4.7 stars 240+ reviews
   * * Asset Finance – Flexible equipment finance
     * Hire Purchase – Spread cost of purchase
     * Lease Finance – Monthly lease payments
     * Equipment Finance – Any item, any sector
   * * Business Loans – Borrow £10,000 to £2m
     * Flexible & Short Term Loans – Flexible repayments, 3 – 24m
     * Corporation Tax Loan – Spread your annual bill
     * VAT Loans – Finance your quarterly bill
   * * Recovery Loans (RLS) – Government-backed scheme
     * Start Up Finance – Borrow £10,000 to £500,000
     * Equipment Refinance – Release equity from assets
     * Supplier Finance  – Finance for your customers
 * Sectors
   
   
   * INDUSTRY FINANCE
     
     With access to over 40 UK lenders, we have helped over 10,000 businesses
     since 2007 with a first class personal service.
     
     Excellent 400+ reviews 4.7 stars 240+ reviews
   * * Beauty & Wellbeing
     * Brewing
     * Construction
     * Commercial Vehicle Finance
     * Entertainment & Gaming
     * Farming
   * * Fitness & Recreation
     * Franchising
     * Holiday Parks & Glamping
     * Hospitality & Pubs
     * IT & Technology
   * * Logistics
     * Manufacturing
     * Media & Comms
     * Medical & Dental
     * Printing
   * * Solar & Renewable
     * Residential Care Home
     * Retail
     * Science & Technical
     * Utilities & Waste
     * Plant & Vehicle Hire
 * About
   
   
   * ABOUT PORTMAN ASSET FINANCE
     
     Personal, professional finance. Powering UK Businesses. We find the best
     deals available and maximise your chances of approval.
     
     Excellent 400+ reviews 4.7 stars 240+ reviews
   * * Who are Portman? – Who we are and what we do
     * Why Use a Broker – Your questions answered
     * Meet The Team – Meet the people behind Portman
   * * Careers at Portman – Be part of our team
     * Contact – Get in touch with the team
 * Resources & Calculator
   
   
   * FINANCE CALCULATOR & FINANCE NEWS
     
     Having arranged £1 Billion in funding, our experts are on a mission to
     financially enable your business.
     
     Excellent 400+ reviews 4.7 stars 240+ reviews
   * * Latest news – Tools to help build your business
     * Case studies – Success stories from happy customers
     * FAQs – Your questions answered
   * * Finance Calculator – Test drive our finance solutions
     * Check your eligibility – Discover your finance options

01604 761 276
Excellent 400+ reviews 4.7 stars 240+ reviews
Get a quote

Enquire now
Enquire now

Calculator
Calculator



DROP US A NOTE

For loan or asset finance enquiries please use our enquiry form instead. For
supplier or administrative enquiries please use the form below

What is your first name?
What is your second name?
What is your business name?

What is your email address?
What is the best number to reach you on?
Your message

Send


THANK YOU!

Thank you for sending us a contact request. Our Client Relations team will
handle your enquiry and will come back to you within 24 hours.

In the meantime, take a look at our frequently asked questions

View FAQs


THERE WAS AN ERROR

There was an error sending your information. Please contact us using the
information here instead:

Contact us


CONTACT US

For general enquiries: info@portmanassetfinance.co.uk
For general enquiries: 01604 761 276
Portman Asset Finance Ltd
1 Pavilion Court
600 Pavilion Drive
Northampton Business Park
Northampton
NN4 7SL



ABOUT YOUR BUSINESS

Tell us about your business so we can assess your finance options.

How much would you like to borrow?
Finance from £10,000
Choose your business type:
Limited Company
Sole trader or Partnership
Contact Portman Financial Services

Due to the current Financial Regulations, Sole Traders and Partnership enquiries
will be handled by Portman Financial Services. Please click below to jump to our
dedicated website

Visit Portman Financial Services
What’s your company name?
Your registered company number
Next Step


ABOUT YOU

We’ll use this if we need to contact you about your application.



Are you a UK homeowner?

Yes
No
What is your home postcode?
Some of our lenders only work with homeowners
Where did you hear about us? Select from the drop-down menu Letter Email
Google/Bing Search Article Social Media Exhibition Referral Other
What is your first name?
What is your second name?
What is your email address?
What is the best number to reach you on?
Phone numbers must be UK format.

We will only use your number to contact you regarding your financial
requirements. We will not sell or pass on your data to third parties
By proceeding and submitting your details you allow us to use them to follow-up
your enquiry and to contact you in the future with information about financial
products and services. You can unsubscribe from communications at any time, for
more details please read our privacy policy

Back Submit


THANK YOU!

You’re all set! Thank you for submitting your eligibility form. One of our
account managers will be in contact within 24 hours.

Got questions?


THERE WAS AN ERROR

There was an error sending your information. Please contact us using the
information here instead:

Contact us
1
About your business
2
About you
This check will not affect your credit score
Still have questions? Check out our FAQ page here


FINANCE CALCULATOR

1. How much would you like to borrow?
2. For how many months?

12 72
72 Months
Hint: A longer term reduces your monthly payment, a shorter term reduces the
total interest payable
3. What are you looking for?
Equipment / Vehicle Finance
Business Loan
Short-term loan
4. Select your credit profile

Exceptional Average Poor
Monthly payment:
£0
For illustration purposes only. Our experts will calculate the rate you may be
offered based on your individual circumstances. This is not an offer or quote
for your finance.
Fill in the details to see an instant example of our rates
Borrowing
Interest

Total Payable:

Total borrowing:
£0
Interest:
£0
Monthly payment:
£0
Sound good? Enquire today


HOW TO CHECK AND MONITOR YOUR BUSINESS CREDIT SCORE

Business Finance

Your business credit score is a numerical number of your company’s
creditworthiness and the financial risk associated with lending to your
business. So, it is not a number to be taken lightly. Monitoring and maintaining
a good credit score could mean the difference between your business’s failure
and success. To help, we have put together a comprehensive guide on
understanding and monitoring your business credit score. 

 * Understanding Business Credit Scores
 * Why Are Business Credit Scores Important?
 * How to Check Your Business Credit Score
 * Key Information in Business Credit Reports
 * How to Monitor & Improve Your Business Credit Score


UNDERSTANDING BUSINESS CREDIT SCORES

Before you can accurately check and monitor your business credit score, you need
to understand it. Just as individuals have a credit history that shows how
responsible they are with borrowing and repaying money, businesses have their
own credit history that reflects their financial track record.

A business credit score is a numerical representation of a company’s
creditworthiness, and it helps lenders, suppliers, and other stakeholders assess
the risk of doing business with that company. A higher credit score indicates
that a business is more likely to pay its debts on time and fulfil its financial
obligations.


7 FACTORS THAT INFLUENCE BUSINESS CREDIT SCORES

Your business credit score is built on a range of factors and influences that
will determine the numerical value. Here are the top seven factors that will
impact your business credit score: 

 1. Personal credit scores of shareholders/directors 
 2. Business trading history 
 3. Turnover 
 4. Profit 
 5. Recently filed accounts 
 6. Payment history 
 7. Number of past credit applications 


CREDIT REPORTING AGENCIES AND THEIR SCORING MODELS

While the general factors are the same, which may impact your business credit
score, you may notice a different score depending on the different credit
reporting agencies you use. For example, your credit score on Experian may
differ from yours on Crediva. 

In the UK, there are four major credit reference agencies; Creditsafe
TransUnion, Equifax, Experian, and Crediva, each with a unique scoring model. 

TRANSUNION CREDIT SCORING

The credit scoring system used by TransUnion is known as ‘Gauge’, which uses a
percentage of weighting factors for types of loans, payment history, searches,
length of history, and total debt. It also holds other personal information that
lenders may need to make an informed decision on your credit application. 

EQUIFAX CREDIT SCORING

As well as the usual factors used to calculate your credit score, Equifax has
information on all of the enquiries on your record, which it will share with
lenders. Public records such as CTJs (Country Court Judgements) and bankruptcies
are also available. It will not show balance details on savings or current
accounts.

EXPERIAN CREDIT SCORING

Experian uses CAIS, the credit account information system, to share your credit
score and information with lenders. It also uses the typical mathematical
equation to calculate your credit score and keeps this and payment histories,
types of loans, county court judgements and IVAs (individual voluntary
arrangements) on your file. 

CREDIVA CREDIT SCORING

Finally, Crediva is a relatively new credit reporting agency founded in 2017.
Not many lenders use this platform to access your credit score, so there is not
a massive amount of information available. However, you should take note of
whether your chosen credit provider explicitly states that they use Crediva as a
source of data and check your Crediva credit report. 


WHY ARE BUSINESS CREDIT SCORES IMPORTANT?

Your business credit score is a crucial element of your company’s future and can
help you to improve and maintain operations, cash flow and success. In terms of
business opportunities, a positive credit score can open doors to new
partnerships, contracts, and supplier relationships, as it indicates a level of
stability and reliability. A strong credit score demonstrates a company’s
ability to manage and repay its debts responsibly, increasing its chances of
obtaining loans, lines of credit, and favourable interest rates. 

Your business’ credit score can also impact the ratings you are able to obtain
with any business finance, for example, a good business with strong credit might
obtain asset finance at 5.9% but one with poor credit history might be faced
with 16.9% as lenders see their long term future as a much greater risk. Check
out our finance calculator if you want to have a look and see for yourself.

Other relationships it can impact are with your supplier, who often assess the
creditworthiness of potential customers before extending trade credit. A good
credit score can result in more favourable payment terms, such as longer payment
periods or lower interest rates. It also strengthens the trust between the
company and its suppliers, leading to potential access to better pricing,
discounts, or exclusive deals.

Finally, a good business credit score can attract investors, as a high credit
score signals financial stability and responsible management, making the company
more attractive. This can significantly enhance a company’s ability to raise
capital and grow its business.


HOW TO CHECK YOUR BUSINESS CREDIT SCORE

So, checking and monitoring your business credit score is important, but
unfortunately, it’s not as easy to access as your personal credit score is. In
the UK, there are several credit reference agencies, as deemed necessary by the
government. This is to ensure a fair system that allows lenders to compare data
across the board. We have listed a few of the most popular CRAs you might like
to use above, with a brief overview of their scoring process and the information
they have available.

Next, you will need to decide how in-depth you need your business credit score
to be. You could use a free tool if you’re only interested in a passing update
for a relative idea of how your business credit score is performing. However,
it’s important to note that a free credit score report will only include basic
and surface-level information. With a paid subscription, you can see what
lenders will be given access to, with much more detail and comparative factors.
If you’re concerned your credit application may be declined, this is an
excellent way to pinpoint the details that are bringing your score down and work
on improving those in the future. 


KEY INFORMATION IN BUSINESS CREDIT REPORTS

You might be surprised by how much information is recorded in your business
credit report, and some CRAs feature different aspects of your business history
and standing. However, there is some key information which you should find
across the board no matter which credit reference agency you choose. This is the
crucial information that demonstrates your creditworthiness, risk factor and
financial standing. 


BUSINESS DETAILS 

As standard, your business credit report will feature details of your business,
including the business name, address, company number, and incorporation date. It
will also have a brief description placing your business into an industry or
sector based on principle activity. 


KEY FINANCIALS 

As a company, you are obliged to file your key financials, which credit
reference agencies use to calculate your business credit score. They are also
made available for any creditors wishing to delve deeper into the numbers if
they deem it necessary, they will also look at the trend of the recently filed
accounts vs those in previous years. Your key financials for your business
include company capital, the balance sheet, the profit and loss statement, cash
flow and reserves, and other financial items.


ADVERSE INFORMATION 

Adverse information is anything that could signal your business as high-risk
credit-wise. If there is adverse information on your account, this could be a
major factor in bringing down your score. A prime example of adverse information
is a County Court Judgement, or CCJ, which signifies that the business has
failed to pay an invoice and has been taken to court to pay the debt. 


PAYMENT HISTORY 

An insight into the business’s payment history is also available on the credit
report. This could include outstanding invoices and previously made payments. 


DIRECTOR & SHAREHOLDER DETAILS

Finally, your business credit report will also hold information on all directors
and shareholders, from basics such as contact details to individual
relationships with other companies, both past and present. This will also be
displayed if any director or shareholder has ties to a failed company or
business. 


IDENTIFYING STRENGTHS AND WEAKNESSES IN YOUR CREDIT PROFILE

By identifying strengths and weaknesses in your business credit profile, you can
proactively work on areas needing improvement and capitalise on your strengths.
Regularly monitoring and reviewing your credit profile allows you to track
progress, make informed financial decisions, and position your business for
better opportunities in the future.


HOW TO MONITOR & IMPROVE YOUR BUSINESS CREDIT SCORE

Once you have your business credit score, you can use this information to
monitor and improve your score in the future. You can find more advice and
guidance to monitor and manage your score with the help of our guide on how to
improve your business credit score. 


CONCLUSION

To summarise, it is clear that a strong business credit score holds immense
importance for companies across various aspects of their operations. It combines
factors such as timely payments, credit utilisation, credit history, and
diversity of credit sources to secure financing, access business opportunities,
and build strong supplier relationships. 

Understanding your business credit score and its impacts can enhance financial
stability and position the business for growth and success in a competitive
market.

Contact our expert team today if you’re still unsure or have any further
questions on how your business credit score could impact future financial
lending. 


RELATED ARTICLES

Business Credit Score: Why It Matters and How to Improve It

Understanding Experian Business Credit Reports: Insights and Benefits

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