The check was never the decision

Approval feels like the decision. It’s actually the moment you know least about what happens next. Every credit process treats approval as the decision. You run the check, you approve or decline, you move on. But approval is the moment you know the customer best and your exposure to

Credit keeps flowing, the risk keeps building

This week's UK B2B credit signal: credit supply is loosening while receivables risk is rising.

Two companies, same sector, opposite risk — which one gets the tighter limit?

Two customers, same sector, same limit request. One is strengthening, one is weakening — and the sector view gives you one answer for both. Two customers sit in the same sector and ask for the same limit. One is strengthening. One is weakening. The sector view gives you the same answer

A reduced insurance limit is not an early warning

The email arrives on a Tuesday. Your trade-credit insurer has reduced the cover on one of your larger customers — a wholesaler you have shipped to for three years without a missed beat. Nothing has defaulted. There is no county court judgment, no news, no obvious reason. Just a number

Activity turns down while pricing turns back: the squeeze that the insolvency print still won’t show 🤷‍♂️

UK B2B credit and lending news digest, 21–27 June 2026 Summary UK private-sector activity tipped into contraction this week. The flash S&P Global UK Services PMI fell to 48.7 in June from 49.3 in May — a second straight month below 50 and the steepest

The reason moves before the credit score does

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

Low risk is not a lending limit

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

The first creditor to know gets paid. The last one writes it off.

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 credit supply loosens to the smallest borrowers as output turns negative

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

How to prioritise collections using credit risk signals, not just aged debt

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

UK credit signals point to challenger growth and specialist lending friction

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

Alt-lenders now lead UK SME credit as risk signals diverge

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.