AI Credit Analysis
Ask the questions a credit report can't answer.
Grand AI explains credit scores, risk changes, director history, filing behaviour, financial signals, exposure recommendations, and monitoring alerts using live company data and cited evidence. Ask why, what changed, what it affects, and what to do next — without relying on a black box.
Under 60 seconds
from question to cited answer.
Under 3 minutes
from signal to documented rationale.
0 hallucinated facts
every claim tied to source data, or Grand says it does not know.
Grand AI only answers from verified profile data, source-linked evidence, and Grand's deterministic analysis blocks.
Try it now
Run a risk check on any UK company.
Type a name or company number — see how Grand profiles risk in seconds.
Watch demo
See AI credit analysis in action.
Watch how Grand AI explains a credit case — cited evidence, affected blocks, confidence in the data, and a clear recommended action that humans review.
What is AI credit analysis?
AI credit analysis uses artificial intelligence to explain credit risk, score movement, exposure recommendations, and monitoring alerts in plain English. In Grand, AI does not create the underlying risk model, invent facts, or make the credit decision. It interprets live company profiles, verified signals, Risk of Failure, Credit Capacity, filing behaviour, director history, ownership, compliance, financial analysis, momentum, and network signals, then cites the evidence behind every answer. This helps credit teams understand what changed, why it matters, what action is supported by the data, and how to document the rationale for review or audit.
Why Grand
Score vs. explanation.
Traditional score
Score
A single bureau number.
Risk band
Coarse banding with limited context.
Last filed accounts
Snapshot of the most recent filing.
Limited context
No insight into score movement or what changed.
No follow-up questions
Static report — no way to ask why.
Manual investigation required
Analysts rebuild the case themselves.
Grand AI
Risk of Failure explanation
Why the risk number moved, with cited signals.
Credit Capacity rationale
Why the recommended limit is what it is.
Affected blocks
Which Grand blocks the change touches.
Cited evidence
Source-linked filings, events, and registers.
Confidence in the underlying data
Flagged where data is complete, fresh, or insufficient.
Suggested next questions
What an analyst would naturally ask next.
Recommended action
A clear analyst-level suggestion — humans decide.
Trusted across payments, lending, and commerce
From the team behind products and infrastructure used by:
MangopayCledara
StorfundSquare
Novicap
How credit teams use Grand AI
Ask. Explain. Evidence. Defend.
Grand AI sits on top of verified company data and Grand's deterministic analysis blocks. It does not invent facts or make credit decisions — it helps credit teams understand the score, trace the evidence, and document the rationale.
01 / 04
Ask
Natural questions about real risk.
Ask Grand AI the questions your credit team would normally investigate manually — why a company was flagged, what changed, who controls it, whether the filing behaviour is reliable, or whether the recommended credit limit is still appropriate.
02 / 04
Explain
Reasoning grounded in deterministic blocks.
Every answer connects the headline conclusion to the underlying Grand blocks — Structure, Status, Compliance, Filing Behaviour, Financial Analysis, Momentum, Network Analysis, Risk of Failure, and Credit Capacity. If Risk of Failure increased, Grand AI shows which signals moved, which evidence contributed, and what changed since the last assessment.
03 / 04
Evidence
Every claim cited to source.
Grand AI cites filings, director records, ownership data, court events, compliance records, monitoring alerts, profile history, and network signals so users can review the evidence — not trust a black box.
04 / 04
Defend
Documented rationale for review and audit.
Grand AI helps teams turn analysis into a documented rationale: the question asked, the evidence reviewed, the interpretation, the recommended action, and the final human decision.
What you can ask
The questions a credit report can't answer.
Grand AI is built around the questions credit teams already ask. Eight categories, mapped to real underwriting, portfolio, and audit jobs — each grounded in deterministic Grand blocks and live company data.
Risk diagnosis
Trace why risk is moving and whether it's structural.
- Why has this company become higher risk?
- Which signals are driving Risk of Failure?
- Is this risk temporary or structural?
Credit limit and exposure
Pressure-test the limit against the live data.
- Is the recommended Credit Capacity still appropriate?
- Should we reduce exposure?
- What would need to improve before increasing the limit?
Director and ownership investigation
Map the people and structure behind the company.
- Who controls this company?
- Have any directors been connected to failed companies?
- Did a director change affect the risk view?
Filing Behaviour
Test whether filings can be relied on.
- Can this company's filings be relied upon?
- Has the filing pattern changed?
- Is there evidence of deteriorating disclosure?
Score and signal change
Explain what moved and when.
- Which signals have moved in the last 30 days?
- Why did the score change?
- Which blocks were most affected?
Monitoring alerts
Triage and prioritise routed alerts.
- Why did we receive this alert?
- Which blocks were affected?
- Does this require action?
Portfolio review
Spot deteriorating relationships before exposure builds.
- Which customers need review this week?
- Where is exposure increasing faster than trust?
- Which monitoring signals need escalation?
Decision rationale
Turn analysis into an audit-ready record.
- Summarise the evidence behind this decision.
- Draft an audit-ready rationale.
- What should we document before approving this limit?
Sample answer
Anatomy of a Grand AI answer.
A look at how Grand AI structures every answer — question, summary, evidence, affected blocks, confidence, recommended action, follow-up questions, and the human-recorded rationale. The AI explains the case. Your team makes the call.
User asked
“Why did this company's Risk of Failure increase?”
Summary
Risk of Failure increased from 12% to 38% (Tier 3 → Tier 5) over the last 14 days. The change is supported by four converging signals across Momentum, Filing Behaviour, and Network Analysis.
What changed
- Director resignation filed 9 days ago — second director departure in 8 months.
- Statutory accounts overdue by 41 days — first late filing in 7 years.
- Connected supplier filed for administration on 6 Jun 2026.
Evidence cited
- Companies HouseDirector termination, filed 28 May 2026
- Companies House filing registerOverdue accounts notice
- Gazette + Companies HouseAdministration of connected entity
Affected blocks
Confidence in the data
High confidence in source data — all signals are from primary registries and Gazette. (Confidence reflects DATA reliability, not the credit verdict.)
Recommended action
Suggested follow-up questions
Human decision
An audit-ready record that captures the question asked, the evidence reviewed, the recommended action, and the final human decision. Grand AI does not approve, decline, or set limits on its own.
Analyst surface
Score reasoning, not score noise.
When a Grand block moves — Risk of Failure, Credit Capacity, Momentum, Network Analysis — Grand AI lays out the score-driver waterfall, the evidence behind each driver, and the recommended next action. Your credit team sees the case, not just the number.
Acme Wholesale Ltd·Co. no. 04231879·Reviewed 2 min ago
What moved the score
- +9% RoF
Filing Behaviour
Late filing (overdue 41 days)
- +7% RoF
Network Analysis
Connected supplier in administration
- +6% RoF
Momentum
Director departure (second in 8 months)
- +4% RoF
Compliance
Policy gap noted (auto-flag)
Evidence behind every driver
Recommended action
Reassess exposure. Bring forward portfolio review. Contact account owner.
Confidence, calibrated
Confidence means confidence in the data.
In Grand, confidence does not mean a company is good, safe, or low risk. Confidence means the underlying data is complete, fresh, consistent, and reliable enough to support the answer. A company can have high-confidence data and still be high risk. Grand AI shows where the evidence is strong, where it is incomplete, and where a human should review before acting.
Complete evidence shows material deterioration.
The data behind the answer is comprehensive — recent filings, traced director history, court records, monitoring signals — and the picture is clear: risk has materially deteriorated. Grand AI explains the case with high confidence. The credit decision still belongs to the human team.
Missing or conflicting data means the answer should be treated carefully.
Some sources are stale, missing, or in conflict. Grand AI flags the gap, suggests what additional review would close it, and recommends a human pass before acting on the analysis.
AI governance
What Grand AI will not do.
Grand AI does not invent facts, override deterministic models, create hidden scores, or make credit decisions without evidence. If an answer is not supported by the data, Grand says so. The AI explains the assessment; it does not replace your credit policy, risk model, or human judgement.
Grand AI does
Explainability surface- Explain risk signals
- Summarise evidence
- Trace score movement
- Suggest questions
- Recommend next actions
- Draft decision rationale
Grand AI does not
Hard guardrails- Invent missing facts
- Override Risk of Failure
- Override Credit Capacity
- Create hidden scores
- Replace credit policy
- Make final decisions for your team
Backtest before deploy
Test AI credit analysis before it touches live workflows.
Before using Grand AI in a live credit workflow, teams can test it against their back book. Run historic companies, past decisions, losses, limit changes, and monitoring events through Grand to see how the analysis would have explained the risk, flagged changes, and documented the rationale. This lets teams validate the output, tune policies, and build confidence before deployment.
Back-book evaluation
Sample output
Historic decisions reviewed
1,247 in the last 12 months.
Losses explained
Evidence chain reconstructed for 14 of 14 written-off accounts.
Missed deterioration surfaced
23 cases where early signals predated the loss by 30+ days.
Recommended limit changes
41 accounts where Grand AI would have suggested an earlier limit reassessment.
Policy exceptions identified
9 accounts where the explanation conflicts with current policy thresholds.
Human review required
17 cases flagged for human pass (low data confidence, conflicting signals).
Workflow impact
The entire credit workflow. Connected.
Assess businesses, monitor risk, explain decisions, and act before exposure builds. Grand replaces disconnected credit checks, monitoring tools, and spreadsheets with one continuous trust workflow.
How it works
From trust signal to business decision.
Grand continuously collects, verifies, interprets, and monitors business data so teams can assess counterparties, make decisions, and act before risk becomes exposure.
Discover
Find any business and instantly access a live profile built from Companies House, court records, compliance data, ownership information, and operational signals.
Understand
Grand transforms raw data into explainable intelligence across structure, status, compliance, filing behaviour, financial analysis, momentum, network exposure, risk of failure, and credit capacity.
Decide
Make onboarding, lending, supplier, customer, and credit decisions with clear evidence, documented rationale, and confidence in the underlying data.
Monitor
Every profile remains under continuous monitoring. When risk changes, filings arrive, directors move, or new warning signs emerge, Grand surfaces them automatically.
Continuous Trust Monitoring
INTELLIGENCE ENGINE
Every signal is checked, explained, and watched.
Grand powers company credit checks, business risk monitoring, customer onboarding, and AI credit analysis through a single intelligence engine. Every company profile is built from verified business data, enriched with additional signals, continuously monitored for change, and transformed into explainable decisions that teams can trust.
Unlike traditional credit reports, Grand does not stop at collecting data. Every source is verified, every signal is assessed for accuracy and confidence, every recommendation is explained, and every profile is monitored continuously as new information emerges.
Layer 01
Verified Data
Grand collects information from Companies House, court records, Gazette notices, director histories, compliance registries, banking data, accounting systems, and customer-provided information. Every source is validated before becoming part of a company profile.
Layer 02
Explainable Intelligence
Grand transforms raw business data into Structure, Status, Compliance, Filing Behaviour, Financial Analysis, Momentum, Network Analysis, Risk of Failure, and Credit Capacity. Every assessment is traceable back to the underlying evidence.
Layer 03
Continuous Monitoring
Every profile remains under active monitoring. When filings arrive, directors change, court events occur, ownership shifts, or risk deteriorates, Grand updates the profile automatically and surfaces what changed.
Sources
Companies House
Accounts, charges, mortgages, officers, ownership structures, and statutory filings.
Court Records
CCJs, winding-up petitions, insolvency events, and legal actions.
Gazette Notices
Strike-offs, administrations, liquidations, and statutory announcements.
Director & Ownership Data
Appointments, resignations, disqualifications, ownership chains, and connected entities.
Connected Business Data
Banking, accounting, ERP, payment, and commercial data shared with consent.
Customer-Provided Information
Contracts, guarantees, onboarding responses, documents, and declarations.
VERIFY. INTERPRET. EXPLAIN. MONITOR.
Grand Intelligence
Verify
Checks source legitimacy, freshness, conflicts, completeness, and confidence.
Interpret
Builds Structure, Status, Compliance, Filing Behaviour, Financial Analysis, Momentum, Network Analysis, Risk of Failure, and Credit Capacity.
Explain
Provides evidence, cited reasoning, decision drivers, and AI-powered explanations.
Monitor
Continuously watches every profile and every signal for change.
Outcomes
Company Credit Checks
Live business credit assessments with Risk of Failure, Credit Capacity, and supporting evidence.
Business Risk Monitoring
Continuous monitoring across customers, suppliers, borrowers, and portfolios.
Customer Onboarding
KYB, identity verification, policy decisions, and audit-ready approvals.
AI Credit Analysis
Plain-English explanations, cited evidence, decision rationale, and recommended next actions.
Audit Trail
Every signal, recommendation, decision, and change recorded and traceable.
Trust every decision.
Every company credit check, onboarding decision, risk assessment, and AI recommendation produced by Grand is backed by verified source data, transparent reasoning, and continuous monitoring.
Customer stories
“We were hours away from letting him walk out of the store with over £100k worth of machinery and then Grand notified us that his company had an administrator appointed by the courts that very day.”
Gary Delahunt
Managing Director — NF Machinery
£100k
Bad debt avoided on the same day Grand flagged a court-appointed administrator.
“Within a week of switching to Grand, we caught two late-filing signals that would have shipped £40k in goods on credit. The bureau gave us nothing on either.”
Sarah Chen
Credit Controller — Northstar Trading
£40k
Bad debt caught the same week Grand's first alerts fired across the new portfolio.
“We embedded Grand's API into our onboarding flow. New customer approval went from 48 hours to under 3 minutes, and our default rate dropped 60% in the first quarter.”
Daniel Park
Head of Product, Embedded Lending — Lattice Capital
60%
Drop in default rate after embedding Grand into the onboarding flow.
Use cases
AI built for every credit team.
Wherever credit risk decisions get made.
Trade credit
Defensible limit calls
Explain limit recommendations with cited evidence at review time.
For trade credit teamsEmbedded finance
Explainable approvals
Plain-English rationale for every in-flow approval, hold, or escalation.
For embedded teamsAsset finance
Committee evidence
Turn signal movement into a summary your credit committee can act on.
For asset financeCapital infra
Audit-ready records
Decisions and citations logged so portfolio reviews are reproducible.
For capital teamsFAQs
Questions about Grand Intelligence.
Enterprise-grade security and compliance
Grand is designed to help organisations meet security, privacy, compliance, and operational risk requirements from day one.
Independent controls covering security, availability, confidentiality, and operational processes.
Designed to support UK and EU data protection requirements.
Information security controls and risk management practices across the platform.
Regulatory oversight for applicable financial services and payment-related operations.
Industry-standard controls for secure payment data handling.
AI credit analysis
Explainable credit risk AI your team can defend.
Grand AI reads live signals across 6.2M+ UK businesses and explains what they mean — with cited evidence — for every credit decision you make.
Integrations
Slots into the credit and finance stack your team already runs — accounting, ERP, and operational tools across the UK SMB and mid-market.
From the Grand desk
UK credit intelligence
Briefings, analysis, market signals, and research on UK credit, risk, insolvency, lending, and business health.
Subscribe to newsletterCredit Risk Health Check
10-question interactive assessment of your team's credit risk maturity. Returns a score, a tailored recommendation, and a short report you can share with your committee.
Grand raised $5M to build the trust network for the real-world economy
The round backing Grand's AI-powered credit intelligence for B2B trade — built for credit teams in construction, manufacturing, and wholesale.
Read announcement →B2B credit policy template
10 sections — onboarding, limit setting, monitoring cadence, exception handling, committee escalation, audit trail. Editable Markdown you can adapt to your team today.
The growing pressure on UK CFOs to adopt AI
Why competitive, regulatory, and investor pressure is forcing AI onto the finance function — and the line between AI that augments credit judgment and AI that replaces it.
Read article →
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