Questionnaire
A short set of questions covering signals no data source can observe. Tap any that are true.
Are you currently behind on any HMRC payments (VAT, PAYE, or Corporation Tax)?
(currently)
Has a lender reduced, withdrawn, or declined to renew any facility?
(last 12 months)
Are you currently in breach of any loan covenant, or operating under a waiver?
(currently)
Are any key suppliers currently on stop, payment hold, or cash-on-delivery?
(currently)
Have you recently lost — or are you about to lose — a major customer?
(last/next 3 months)
Are there personal guarantees supporting any business borrowing?
(currently)
Have you applied for credit and been declined?
(last 6 months)
Has any current director had a bankruptcy, IVA, or disqualification?
(last 6 years)