Everything about the instant assessment, your data, and how we work. Don't see your question here? email us directly.
The assessment itself is automated. Your documents are read and scored immediately against criteria built on real financial-health benchmarks, and the report is delivered straight away. There is no queue and nothing to wait for. Every assessment is also read afterwards by Davis, who founded CreditContext and built the model, with any data-quality issues flagged; if something needs correcting we reissue the report and tell you what changed. The report states how much of the scoring model your documents actually supported, so you can judge the basis for yourself. If you want to talk the result through with him before acting on it, book a call. That conversation is where the judgement calls get made.
Yes. The assessment reads the figures, not the format they arrive in. Management accounts or 6 to 12 months of bank statements work as well as audited statements. What matters is that the numbers are there: the more of them the documents actually state, the more of the scoring model can be assessed, and the report tells you exactly how much of it was.
About a minute. Upload your documents and the report is generated and emailed to you immediately, with a link straight to it as well. Davis reads every report as it goes out, and if anything needs a closer look he contacts you directly.
Documents are used solely to produce your assessment, are never shared with lenders or third parties, and are not separately stored beyond what's needed to complete your request. See our Privacy Policy for the full detail.
No. It's an indicative read on your financial position: not a credit rating, not an audit, and, if you're using it to prepare for financing, not a lending decision. Every decision that follows is made by you or by whoever you approach.
One person: Davis, the founder. He built the scoring model, he reads every report after it goes out, and he is who you speak to on the call. His background is in banking and credit rating, which is why the report reads your accounts the way a credit committee reads them rather than the way an accountant files them. There is no analyst you never meet and no account manager in between. That also caps how many companies we can take on at once, which we would rather admit than pretend otherwise.
Neither. We are paid by your company and take nothing from any bank, in any form, ever: no commission, no referral fee, no revenue share. A broker paid by the lender is paid to place you somewhere, and there is no placement we are paid to make. We hold no panel, no mandate and no arrangement with any bank, no bank has agreed anything with us in advance, and where we introduce you to one it is free to you and free to them.
The result decides, not a salesperson. If your figures clear the thresholds lenders apply, we introduce you to relationship managers at the lenders your profile fits and hand them the same report you have. You choose which, and whether at all. That introduction is free, there is nothing further to buy for it, and we take nothing from any bank. If your figures do not clear them yet, your report already lists what is missing and by how much, and we can work through that list with you on a flat monthly fee and re-assess on the same model. Either way you can book a free 30-minute call to walk through the report. Both branches are set out here.
No, and this is the constraint the whole business is built on. We take no referral fee, no commission and no revenue share from any lender, in any form. A broker paid by the lender has a reason to send you where the fee is. We are paid by you, so the only thing we are working towards is the best financing for your long-term growth. That is what makes an independent answer worth paying for.
No. It is a flat monthly fee for work done, and it does not change if you are financed, if you are declined, or if you decide not to apply at all. We charge no success fee and take no percentage of anything you borrow. We are motivated to get you financeable because our record rests on clients who actually got there, not because our invoice depends on it.
