Finance & Treasury
Working capital follows the signal, not the calendar.
Grand helps CFOs, treasury teams, finance leaders, and credit controllers connect customer risk directly to working capital decisions. Monitor exposure, recalibrate reserves, improve cash-flow forecasting, and identify concentration risk using live signals across 6.2 million UK companies.
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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 treasury credit risk?
Treasury credit risk is the discipline of connecting live customer credit risk to treasury decisions — reserves, working capital, cash flow forecasting, concentration risk, and accounts receivable. Grand gives finance and treasury teams a live company intelligence layer that surfaces what changed across the customer book, why it matters, and which reserves, capital release, or forecasting adjustments the data supports — so treasury teams act on the same live signals their credit team already trusts.
The real challenge
Your customer book changes every day. Your treasury model usually doesn't.
Bad-debt reserves, working capital assumptions, concentration models, and cash-flow forecasts are often updated monthly or quarterly. Meanwhile customers improve, deteriorate, restructure, change directors, delay filings, expand, contract, or become insurer recoverable. Grand continuously monitors those changes and connects them directly to treasury decisions.
Traditional treasury
Quarterly cycle. Change ignored until review day.
Treasury operates on a stale model
Grand treasury
Continuous coverage. Signal-driven adjustments.
Working capital follows the signal, not the calendar.
Treasury teams should be acting on the same live data their credit team already trusts.
Exposure
Know where exposure is building.
Treasury teams need to understand not only total exposure, but where exposure is concentrating, deteriorating, or becoming more volatile. Grand continuously monitors customers, sectors, groups, directors, connected entities, and counterparties so exposure can be prioritised before it becomes loss.
Key signals
See where risk is accumulating. Prioritise before it becomes loss.
Reserves
Hold the right reserve.
Most bad-debt reserves reflect assumptions made weeks or months ago. Grand continuously recalibrates reserve recommendations against the current health of the customer book. The result is a reserve position that is more defensible, more accurate, and more capital efficient.
Key themes
Recommended treasury action · Live
Release £700k
Confidence
HighSupporting signals
24
Affected customers
187
Capital efficiency
+£700k freed
Review required
NoGrand AI summarises the evidence. Treasury teams decide.
Working capital
Put working capital back to work.
When customer-book health improves, capital often remains trapped in reserves and treasury buffers long after the underlying risk has changed. Grand highlights where working capital can be safely redeployed and shows the signals supporting the recommendation.
Key themes
£1.2M
Working capital released across 247 accounts this quarter
97%
Confidence rating supported by 38 cited signals
0
Releases reversed in the last 90 days
Treasury teams release capital — Grand surfaces the evidence that supports the decision.
Treasury outcomes
Five outcomes treasury teams use Grand for.
Each outcome connects live customer signals to a treasury decision — without bloating the workflow with reports.
Working Capital
What Grand improves
How customer risk affects deployable capital.
Signals used
Risk of Failure, Credit Capacity, Momentum.
Treasury outcome
Capital released, retained, or held back with cited evidence.
Bad-Debt Reserve
What Grand improves
How reserve requirements change with customer-book health.
Signals used
Risk of Failure movement, Filing Behaviour, Network deterioration.
Treasury outcome
Recalibrated reserve with audit-ready rationale.
Cash-Flow Forecasting
What Grand improves
How payment probability changes with customer risk.
Signals used
Trading status, Credit Capacity compression, Momentum.
Treasury outcome
Forecast adjusted by customer risk profile.
Concentration Risk
What Grand improves
How exposure accumulates across sectors, groups, and counterparties.
Signals used
Sector exposure, Group exposure, Network Analysis.
Treasury outcome
Concentration hotspots flagged for treasury review.
AR & Collections
What Grand improves
How risk signals improve collection prioritisation.
Signals used
Risk of Failure, Filing delays, Director changes.
Treasury outcome
Highest-risk receivables prioritised for action.
One version of risk
Treasury and credit should not be working from different versions of reality.
Credit teams already monitor Risk of Failure, Credit Capacity, Filing Behaviour, Momentum, Network Analysis, and customer deterioration. Treasury teams use the consequences of those same changes to manage reserves, cash flow, working capital, forecasting, and concentration risk. Grand keeps both teams aligned on the same underlying signal layer.
Credit Team
What credit monitors.
- Risk of Failure
- Credit Capacity
- Monitoring
- Exposure
Grand
One signal layer. Both teams aligned.
Treasury Team
What treasury decides.
- Reserve
- Cash Flow
- Forecasting
- Working Capital
The same live signal layer. Two teams. One version of risk.
What traditional treasury systems miss
Four signal layers most treasury systems don't see.
Traditional treasury systems use static financial inputs, accounting models, and lagging risk indicators. Grand adds live company intelligence layers that treasury models have never had access to.
Filing Behaviour
Can we trust the filing?
Grand evaluates whether a company's filings appear complete, consistent, timely, and reliable before downstream analysis. Treasury models built on inconsistent filings are unreliable by definition.
Momentum
Which direction is the company moving?
Grand's Momentum layer reads financial movement, people changes, digital footprint, trade presence, accreditations, and network activity — surfacing direction before it shows up in statutory accounts.
Network Analysis
What risk exists around them?
A customer's risk is shaped by the directors, owners, group entities, and trading network around them. Grand maps that surrounding network and tracks how it changes.
Trust Network Signals
What is Grand seeing across the wider network?
Trust Network Signals surface deterioration or improvement signals from across the wider Grand network — early indicators that don't appear in single-company analysis.
How Grand AI helps treasury
AI explains. Models assess. Treasury teams decide.
Grand AI does not make treasury decisions. It explains signal movement, summarises evidence, and supports treasury review so teams can act with confidence — and document the rationale.
What Grand AI explains
What Grand AI does not do
Products
Three products. One treasury signal layer.
Grand combines company assessment, monitoring, and explainable intelligence so treasury teams can connect customer risk to reserves, working capital, cash flow, and concentration decisions.
Company Credit Checks
Understand any customer, supplier, or counterparty instantly.
Explore credit checks →Business Risk Monitoring
Detect meaningful change across the customer book.
Explore monitoring →AI Credit Analysis
Understand every signal, recommendation, and treasury implication.
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.
Treasury FAQs
Your treasury credit risk 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.
Finance & treasury
Connect customer risk to treasury decisions.
Give finance and treasury teams one live signal layer for reserves, working capital, cash flow forecasting, and concentration risk — across the customer 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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