Trade Credit & Working Capital
Protect working capital before exposure becomes bad debt.
Grand helps trade credit teams find trustworthy customers, set smarter credit limits, monitor exposure continuously, and act on early warning signals before losses occur. Monitor every customer, understand every change, and take action before risk reaches your ledger.
Try it now
Run a risk check on any UK company.
Type a name or company number — see how Grand profiles risk in seconds.
What is trade credit risk management?
Trade credit risk management is the process of assessing, monitoring, and acting on the credit risk of every customer a business extends terms to. Grand combines live company data, continuous monitoring, signal context, and explainable analysis so trade credit teams can protect working capital, reduce bad debt, set smarter limits, and prioritise the accounts that need attention.
The challenge
Exposure builds between reviews.
Most losses don't come from a customer that looked risky on day one. They come from a customer that changed while nobody was looking. Grand continuously watches the signals that matter so trade credit teams can respond before exposure becomes a problem.
Customer deteriorates between bureau updates
Traditional reviews happen quarterly or annually. Risk changes weekly.
Credit limits drift out of alignment
Good customers improve. Bad customers weaken. Most limits never catch up.
Collections start too late
The first missed payment is rarely the first warning sign.
Working capital gets trapped
Teams become defensive because they lack confidence in the underlying data.
Trade credit workflows
Every decision that impacts working capital.
Grand supports the decisions trade credit teams make every day, from onboarding a new customer to reducing exposure on an existing account.
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.
Products
Three products. One trade credit workflow.
Trade credit teams don't need another disconnected tool. Grand combines credit assessment, monitoring, and explainable intelligence in a single workflow.
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.
Trade credit FAQs
Your trade 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.
Trade credit & working capital
Protect working capital. Act before exposure becomes bad debt.
Continuously monitor every customer, classify the signals that matter, and act with confidence — before risk reaches your ledger.
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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