Capital & Risk Infrastructure
One live signal layer across the credit book.
Grand gives banks, lenders, private credit teams, fintech lenders, and credit insurers live company intelligence across origination, portfolio monitoring, policy enforcement, concentration risk, and oversight. Connect every decision to verified signals, explainable recommendations, and continuous monitoring across 6.2 million UK businesses.
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Run a risk check on any UK company.
Type a name or company number — see how Grand profiles risk in seconds.
What is credit risk infrastructure?
Credit risk infrastructure is the live signal layer that connects origination, monitoring, policy enforcement, portfolio surveillance, concentration risk, and audit oversight across the credit book. Grand keeps the company profile, signal history, Risk of Failure, Credit Capacity, monitoring events, and decision rationale connected through the full lifecycle — so credit teams across banks, alternative lenders, private credit, fintech lenders, and credit insurers can act on current data, not on quarterly snapshots.
The real challenge
Credit risk infrastructure is still trapped in reporting cycles.
Institutional credit teams make decisions every day, but their risk infrastructure often refreshes on a schedule. Origination, monitoring, policy, portfolio surveillance, audit, and committee reporting each operate from different systems and different versions of the truth. By the time risk appears in a quarterly review, exposure has already moved.
Current institutional stack
Disconnected tools. Different refresh cycles.
Grand
One company profile. One signal history. Connected.
One live company profile and signal history connecting every workflow.
Different teams. Same signal layer.
Credit lifecycle
Connect origination, monitoring, policy, and oversight.
Grand keeps the company profile, signal history, Risk of Failure, Credit Capacity, monitoring events, and decision rationale connected across the full credit lifecycle. The same signals used to assess a business at origination can be monitored through the life of the exposure and explained later to portfolio teams, committees, auditors, and oversight functions.
Origination
What Grand contributes
Policy fit
What Grand contributes
Approval
What Grand contributes
Exposure monitoring
What Grand contributes
Portfolio review
What Grand contributes
Committee escalation
What Grand contributes
Audit / oversight
What Grand contributes
Signals with context
Not every signal should trigger the same reaction.
Most monitoring systems generate alerts. Grand helps teams understand which alerts matter. Every signal is classified according to how it affects the overall profile, helping teams focus on meaningful change instead of notification noise.
Some signals directly change a company's risk position. Others simply suggest something may be changing beneath the surface. Understanding the difference is what turns monitoring into action.
These signals directly affect a company's position and can change core profile blocks.
- Insolvency event
- Winding-up petition
- Trading status change
- Compliance breach
- Material financial deterioration
- Significant credit capacity reduction
Connected to
These signals don't automatically change the risk position, but indicate potential improvement, deterioration, or areas worth investigating.
- Director resignation
- Filing delays
- Hiring slowdown
- Website activity changes
- Network deterioration
- Digital footprint changes
- Address changes
Connected to
Grand doesn't just tell you something changed. It tells you whether that change affects the company's position today or whether it's simply a signal that deserves attention. That distinction helps teams focus on what matters and avoid alert fatigue.
Monitor what matters to you.
Every team has a different risk appetite. Grand lets users choose which signals they monitor, which generate alerts, which trigger workflows, which require escalation, and which should simply be tracked.
Why this matters.
Traditional monitoring platforms generate alerts. Grand generates understanding. Every signal is verified, contextualised, connected to profile blocks, linked to decisions, and linked to actions. This is how teams move from reacting to events to managing risk proactively.
Portfolio intelligence
Know what changed across the book before review day.
Portfolio reviews should not be limited to quarterly reporting cycles. Grand continuously monitors company profiles across the book and ranks movement by severity, exposure, affected blocks, and review priority. Teams can see which companies deteriorated, which exposures moved, which policy thresholds were crossed, and where concentration risk is building.
Portfolio overview · Live
Total exposure monitored
£482M
LiveCompanies with material movement
47
Critical events
6
TodayDirectional signals
124
Policy exceptions
11
OpenConcentration changes
+3%
ConstructionSector movement
−2pt
LogisticsTop exposures requiring review
9
Credit Capacity changes
38
Risk of Failure changes
14
Tier shiftAI summary — evidence only
Risk committee brief — generated by Grand AI
“Construction-sector concentration increased 4 points over 7 days. Three top-20 exposures show deteriorating Momentum. One borrower triggered a Risk of Failure increase following a court event. Recommend portfolio review for the flagged accounts.”
Grand AI summarises the evidence. It does not make the decision.
Policy & oversight
Policy exceptions should not disappear into inboxes.
Overrides, exceptions, review notes, and threshold breaches need to stay connected to the evidence that caused them. Grand links policy events to the company profile, source data, affected blocks, recommendations, and final human or policy decision. That means committees and oversight teams can see not just what happened, but why it happened.
Example exception types
Credit Capacity exceeded
Risk of Failure above threshold
Compliance flag detected
Exposure concentration breached
Connected company distress detected
Manual override applied
Sector stress trigger activated
Use cases
Where capital and risk teams use Grand.
Banks
Origination support, policy fit, counterparty monitoring, audit-ready evidence.
Alternative Lenders
Fast borrower assessment, exposure monitoring, exception workflows, portfolio surveillance.
Private Credit
Counterparty intelligence, concentration risk, sector movement, review triggers.
Fintech Lenders
Live company checks, embedded decision support, monitoring callbacks, policy workflows.
Credit Insurers
Portfolio surveillance, claim evidence, insured exposure monitoring, early warning signals.
Risk Infrastructure Teams
API, webhooks, bulk feeds, signal history, decision records, monitoring workflows.
Deployment
Use Grand where your risk infrastructure needs it.
Grand can support institutional workflows through product UI, API, webhooks, bulk data feeds, and scheduled portfolio briefings. Use Grand directly for review workflows, embed it into internal systems, or connect it to existing policy, credit, CRM, and portfolio tools.
UI
Product UI
For teams reviewing companies, portfolios, and alerts directly in Grand.
API
API
For live company intelligence inside internal risk and decisioning systems.
Webhooks
Webhooks
For event-driven monitoring, workflow routing, and threshold-based triggers.
Bulk
Bulk feed
For portfolio refresh, back-book analysis, and large-scale risk surveillance.
Scheduled
Scheduled briefs
For daily or weekly portfolio summaries for risk, credit, and oversight teams.
Products
Three products. One institutional signal layer.
Grand combines company assessment, monitoring, and explainable intelligence so capital providers can connect origination, portfolio, policy, and oversight around the same live company profile.
Company Credit Checks
Assess any borrower, counterparty, insured, or applicant instantly.
Explore credit checks →Business Risk Monitoring
Detect meaningful change across the book continuously.
Explore monitoring →AI Credit Analysis
Understand every signal, recommendation, and review rationale.
Explore AI analysis →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.
Capital & risk FAQs
Your credit risk infrastructure questions, answered.
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.
Capital & risk infrastructure
Connect every credit decision to a live signal layer.
Bring origination, monitoring, policy, portfolio, and oversight onto the same live company intelligence — across the book.
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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