Home / Payment History
Payment history is the signal we trust most
A score compresses years into three digits. Your payment history shows how the business actually behaves — and that is what we underwrite on.
Why it matters
Behaviour beats a snapshot.
Two businesses can share a score and behave nothing alike. One has never missed a remittance in three years; the other has a thin file and one old dispute. The score flattens that difference. Payment history does not.
That is why we read it directly — from bank activity and from how you have handled obligations you already carry — rather than accepting a single number as the summary.
What we read
Four things we look for in a payment record
Consistency
Regular, on-time remittance over months tells us more than any single data point.
Recovery
A rough patch followed by sustained recovery reads as strength, not weakness.
Proportion
What you already service against what you actually take in each month.
Communication
Owners who flag a problem early are treated very differently to those who go quiet.
Building it
Your first facility is how the next one gets cheaper.
Every clean remittance is a data point in your favour. It is the most reliable route we know to a larger facility on better terms.
- Renewals on a clean record are typically faster and larger.
- A demonstrated record can move you from an advance to a term loan.
- We review the whole relationship at renewal, not just the last month.
- Paying ahead of schedule never counts against you — there is no penalty.
Questions
About payment history
It is one of the strongest signals we have. Consistent, on-time remittance on an existing facility tells us more about how a business behaves than a score does — and it is the main reason renewals are quicker and larger than first-time applications.
Yes. We look at your business as a whole — time trading, revenue moving through the account, and your payment history with existing obligations — rather than a single three-digit score. That said, every application is subject to review and we cannot approve every business that applies.
No. There is no penalty for settling a loan or line early. An advance is a fixed purchased amount rather than an interest-bearing balance, so paying it down sooner does not increase what you owe.
An advance or revenue-based facility can fund within 24 to 48 hours of approval. Term loans and lines of credit typically fund within 48 hours. The application itself takes under ten minutes.
Next step
See what your business qualifies for.
Ten minutes to apply. No fee, no obligation, and a real answer the same day.