Thoughts
Good credit risk management has always depended on one thing: knowing who you're really dealing with. Bureau reports used to be the best tool for that. They're no longer enough — and the businesses that haven't noticed are absorbing losses they shouldn't be
News
The latest Middle East ceasefire extension is a real de-escalation signal, but for B2B lenders, it cannot yet be mistaken for a full economic reset. On April 24, 2026, Reuters reported that Israel and Lebanon had extended their ceasefire for three weeks after a White House-brokered meeting. The
News
How credit supply is evolving and where to pay closer attention — Covering 12–18 April 2026 · Published Monday 20 April 2026 (UK) Summary A few things caught our eye this week. Insolvency numbers are still running high — 2,022 company insolvencies in England and Wales in March 2026, with construction
Thoughts
A company doesn't collapse overnight. It deteriorates. Slowly at first, then all at once. The cash reserves thin out. Supplier payments start slipping by a few days, then a few weeks. The overdraft gets used more frequently. The revenue line looks fine on paper, but the money coming
Product
Imagine you're buying a used car. It looks polished on the outside, the photos are clean, and the seller says it runs perfectly. But before handing over the money, you'd want to see the service history. And not just whether records exist — you'd want
Thoughts
You pull a credit report. It shows a score, a risk band, maybe a recommended credit limit. It looks authoritative. It feels like enough. But here's a question most credit teams never think to ask: how reliable is the underlying data that score is built on? Not the
News
The UK construction industry is facing a renewed wave of cost pressure. Not the slow, predictable kind that gets priced into next quarter's tenders. The kind that moves faster than most businesses can plan for. In March 2026, the monthly average for Brent crude rose from $70.89
Thoughts
A credit score is one of the most relied-upon numbers in B2B trade. It sits at the top of every credit report, it shapes lending decisions, and it often determines whether a supplier says yes or no to a new trade account. For decades, it has been the starting
News
Today we're announcing that Grand has raised $5M in funding led by 20VC, with participation from NAP (formerly Cavalry Ventures) and Firedrop. This is a milestone for us, but this post isn't just about the raise. It's about the mission we set out to
Thoughts
If you ask most finance teams how they think about net terms, net 30, net 60, net 90, you'll hear words like "exposure," "risk," "working capital drag," and "cost of carry." Net terms are treated as a concession: something you
Thoughts
Ask a credit manager how they assess a new trade account and you won't hear about one system. You'll hear about five. Maybe six. A credit report from one provider, a Companies House check in another tab, an internal spreadsheet tracking payment history, an email thread
Product
Credit decisioning hasn't changed in 20 years. Five tabs, stale data, and days of waiting. AI is about to change that, not by replacing credit teams, but by giving them continuous intelligence, forward-looking insight, and the ability to turn every decision into a growth opportunity.