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How financially healthy is your business?
Five key metrics — expense ratio, debt service cover, net surplus, debt load and liquidity buffer — combined into a single health score from 0 to 100. See where your business stands and what it might mean for a Credicorp facility. Enter five numbers from your management accounts; nothing is sent or stored.
Example. The starting figures are an illustrative example company. Replace them with your own to see your score.
Representative example: borrow £200 for 30 days, repay £220. An early-settlement charge may apply.
Some metrics need attention. Addressing your weakest areas before applying for finance will improve your chances and the rates you can access.
What proportion of your revenue covers operating costs. Below 70% is healthy; above 90% leaves little room for repayment.
How many times your net income covers your existing debt obligations (DSCR). Lenders typically look for 1.2× or higher.
What is left each month after paying all costs and existing debt. This is the pool that services new borrowing.
Total debt as a multiple of annual revenue. Below 0.5× is lean; above 1.5× may limit further borrowing capacity.
How many months of your net surplus it would take to clear all outstanding debt. Higher is stronger.
Your health score suggests you may be a good fit
Based on the figures you entered, your business appears financially positioned to support a Credicorp facility. The eligibility check takes two minutes and does not affect your credit score.
Indicative facility size based on your surplus: £500
Check your eligibilityThe starting figures are an illustrative example company. Replace them with your own to see your score.
This tool produces an illustrative assessment based on the figures you enter. It is not a credit check, a lending decision, or financial advice. Credicorp's actual credit assessment uses verified Open Banking data and additional underwriting criteria. Scores and eligibility signals are indicative only.