A deep, independent credit report on any UK business you need to assess. Built on years of senior risk judgement, delivered at the speed and scale your decisions need.
Off-the-shelf credit reports tell you what's on file. An ABL Credit Report tells you what to make of it — cross-checked against everything we've ever seen, scored on a deterministic model and traced back to the evidence behind every line.
Each report covers a single UK company in depth. The platform pulls the data and scores it on a model that carries years of senior risk judgement built in — calibrated by the team, refreshed daily, and consistent across every report we produce. The result reads like a credit committee paper, not a database printout.
Reports are produced for clients only — never sold over the counter.Most credit reports show you the borrower's financial position from 12 to 18 months ago. They don't show you what's happened to the sector since.
A haulage business with strong filed accounts looks fine on paper. But if fuel prices have spiked, supply chains have broken or a major customer's industry has gone into reverse — the risk on that facility has changed, and the standard credit limit hasn't moved.
Our model recalibrates against current economic conditions and sector signals as they happen. Energy costs, FX moves, payment-behaviour shifts, sector insolvency rates — all feed back into the score on every facility we touch. The borrower's accounts are still in the report. They're just not the only thing it tells you.
Each industry is exposed to different shocks. Our model carries different weights for each. Six examples of where standard credit reports lag the economic picture — and what we're factoring in.
The model recalibrates as the inputs move — not when next year's accounts file. A score generated this morning reflects this morning's data.
Haulage cares about fuel. Care homes care about wages. Construction cares about rates. Each sector's score is shaped by the things that actually drive losses in that sector — not a one-size-fits-all formula.
Every score change traces back to the input that drove it. When a facility's risk band moves, you see exactly why — defensible to your committee, defensible to your auditor, defensible to the regulator.
Every report draws on the same engine that screens every facility we underwrite. Built around the subject company — and everything connected to it.
Registration, structure, trading status, filings, group relationships. The full picture of what the company is and how it sits in the wider corporate landscape.
Every current and past director, every other appointment they've held, every dissolved or insolvent company on their record. The patterns that tell you who you're really dealing with.
Filed accounts, ratios, trend analysis, sector benchmarks, payment behaviour. Not just what the numbers say — what they actually mean for the credit decision in front of you.
Who already has security, what's outstanding, what's been satisfied, where the priority sits. Essential context before any new lending decision.
A clear, evidenced credit score broken down across a defined set of dimensions. No black box. Every line of the score traces back to the data behind it — defensible to your committee, defensible to your auditor.
Once a company is on file, the engine keeps watching. New filings, new charges, new insolvency notices, new payment behaviour — you hear about them when they happen, not at the next renewal.
An ABL Credit Report is written for the people who carry the risk — underwriters, credit committees, portfolio managers, anyone evaluating a UK counterparty.
They're not marketing collateral. They're decision-grade documents. The same report that goes to one lender's underwriting team goes to another's investment committee, another's auditor and another's regulator.
If you have to defend a credit decision to anyone, an ABL Credit Report is the document that does it for you.
Intelligence Reports are bespoke — designed to give you an insight into a business you won't find anywhere else. Every one starts with a conversation.
Start the ConversationAn ABL Credit Report puts the full picture of a counterparty in front of you, and the evidence behind it on the record. Tell us which company you need to know about.