Credit Compass - your business credit score for free, always

A clear view of your business credit score, what’s affecting it, and what to focus on to be ready for funding.

Borrow £1,000 - £1 million with flexible repayments.

  • Sign up in 2 minutes
  • Actionable steps to improve your score
  • Monthly updates so nothing catches you out
Check my score

Checking won't affect your credit score

No paywalls or tiers

Always free

Trusted business data

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No paywalls or tiers

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Always free

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Powered by Equifax

Over 100,000 small businesses navigate their finances with iwoca

Over £3 billion lent to small businesses since 2012

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Credit Compass is designed for businesses that deserve better access to funding

Check my score

Checking won't affect your credit score

Credit Compass is your guide to better credit

  1. Apply in minutes

    We’ll only ask you to select your company and verify that you are a director of the business. No complex forms, and checking won’t affect your score.

  2. Get your bearings

    Credit Compass shows you exactly where you stand and what’s influencing your score. Get clear insights into how lenders see your business.

  3. Chart your course

    Credit Compass gives you a personalised action plan to get better terms on loans and other credit products in the future

Check my score

Checking won't affect your credit score

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Frequently asked questions

Here are some questions you could ask yourself about how the credit compass works.

Why do I need to check my business credit score?
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Your business credit score affects whether you’ll be approved for loans, trade credit, and other funding. Some businesses check your score before they’ll work with you. Many businesses get declined without knowing why. Credit Compass helps you understand what lenders see and how to improve it.

Will checking my score affect it?
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No. Checking your own score is a “soft search” that doesn’t impact your credit rating. Only applications for credit can affect your score.

What if I’ve been declined for credit before?
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Not a problem. Any limited company can use the credit compass - whether that’s to turn a decline into an approval, get better terms or improve your overall business health. We’ll help you understand what factors likely led to the decline and give you clear steps to improve your chances next time.

Is Credit Compass really free?
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Yes, completely free. No trial periods, no hidden fees. We believe every business deserves to understand and improve their financial health.

£3 billion+

approved small business loans

100,000+

businesses approved

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