Grand vs Rapid Ratings: which fits modern credit risk?
Whether you're scaling credit operations or tightening third-party risk, find out why teams are choosing Grand over Rapid Ratings for continuous, AI-explained intelligence.
How Grand compares to Rapid Ratings
Everything you'd expect plus deep corporate structure, full director history and behaviour, and business momentum signals across finance, operations, commerce, digital and social analysis.
Deep financial-statement analysis underpinning the FHR score, but narrower scope on director behaviour, corporate structure, and non-financial momentum signals.
Every assessment ships with plain-English reasoning, source-cited evidence, and confidence labels per output — buyers see exactly which filings, signals and events drove the assessment, and how confident Grand is in each one.
FHR and Core Health Score are more methodologically transparent than peers, but still primarily numeric outputs without plain-English narratives per business.
60-second profile refresh, plus daily early-signal alerts that catch profile changes before they hit Companies House.
Scheduled re-rating cycle tied to new financial disclosures, with multi-day lag between event and updated score. No early-signal feed for data outside of Companies-House, Gazette and Courts.
Report bad profiles to the Grand network so others monitoring the same business get alerted. Step-up requests for financial, commerce and declarative data when the signal decisioning isn't strong enough — Grand verifies what's returned before it lands in the file.
Data-provider model focused on financial-statement analysis — no buyer-network bad-profile reporting, and no in-product step-up workflow for financial, commerce or declarative data.
KYB, director ID verification, beneficial-ownership discovery, sanctions and PEP screening, adverse media, approval workflows — bundled free with every paid Grand plan.
Not part of the Rapid Ratings core offering — buyers source KYB, sanctions and PEP screening from separate vendors.
Ask any question of a profile and get an analyst-style answer with the affected blocks, suggested next questions, and a recommended action. Grand AI never invents facts and never makes the credit decision — it interprets data and helps humans decide.
Quantitative FHR methodology, but no conversational or analyst-style AI capability for ad-hoc questions on a profile.
60-second signup. Full product available with no sales call. Upgrades and downgrades self-managed inside the app.
Sales-led onboarding. Limited self-serve subscription path.
Published online: Pay as you go is free, Core £49/mo, Team £169/mo, Growth £699/mo, Scale £2,329/mo.
Quote-based enterprise contracts, typically annual. No published price points for new buyers.
Based on publicly available information from each provider's documentation and pricing pages, last verified June 2026. UK company data sourced via Companies House.
Rapid Ratings is a strong choice for enterprise third-party-risk teams that want a financial-health-driven score with a methodology they can interrogate. Grand is built differently — richer signal layers (network, momentum, director behaviour) verified at source, AI that explains every assessment, and onboarding and compliance bundled in. If your programme is built around the FHR score and full financial-statement modelling, Rapid Ratings still fits. If you want continuous portfolio intelligence built on data the bureaus don't capture, plus AI you can interrogate, Grand is the modern alternative.
Get started for freeRicher signals than the bureaus
Deep corporate structure, full director history and behaviour, plus momentum signals across finance, operations, commerce, digital and social — all verified at source and refreshed every 60 seconds.
AI that explains every decision
Grand AI turns filings, financials, director history, and risk signals into plain-English narratives — with confidence labels and the option to step up to declarative data when signals are thin.
Onboarding & compliance, included
KYB, director verification, beneficial ownership, sanctions and PEP screening, adverse media, and approval workflows are bundled with every paid Grand plan — not sold as a separate module.
Switching from Rapid Ratings
Common questions about moving from Rapid Ratings
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