Lightbulb Credit Ltd

Why do business credit ratings matter for private equity-backed companies? To start, statutory reporting is the basis for all credit reference agencies, whereas the PE world largely works on an EBITDA basis. This can lead to PE-backed ventures being misunderstood by leading to a suboptimal rating and low recommended credit limits. Lightbulb solves this problem, and it can also be done in a matter of days. Find out more here: #BusinessCreditRatings #PEbacked #PrivateEquity

We supported PE-backed Nucore Group in communicating business changes to credit reference agencies and trade credit insurers, something they’d been having trouble doing themselves. Thanks to our exclusive partnerships we were able to support them in improving their credit ratings, alongside giving them access to our monitoring portal so they could see updates and changes in real time. Download the case study to learn more.

Unlock the power of clarity in a complex credit landscape. Did you know that the four key credit rating agencies operate with distinct scoring methodologies, leading to vastly different outputs for the same business entity? For private equity-backed enterprises, this can create challenges when assessing valuation, strategy, and overall credit standing. At Lightbulb, we understand these complexities. That’s why we created the Company Credit Insight Report—a vital resource that provides visibility into how your business is evaluated across all major agencies. Knowing how credit agencies perceive your company is critical to making informed decisions. Swipe through to explore the intersection of private equity and the UK credit rating agency backdrop. Let's navigate this dynamic environment together! Read more: https://lnkd.in/eYHFvjuA 💡 How do you ensure your business ratings align with your financial objectives? Let us know in the comments! #PrivateEquity #CreditRatings #BusinessInsights #Lightbulb

Why Business Credit Ratings Matter for Private Equity-Backed Companies 🌟 Did you know that your company’s credit rating impacts trade credit terms, tendering for work, and accessing funding? These are critical areas that drive the operational success of private equity-backed businesses. 💡 Trade Credit Terms: Strong credit ratings are key to maintaining positive working capital and negotiating favorable terms with suppliers. Imagine how a reduction in credit terms could impact your operations—are you prepared? 💡 Tendering for Work: In sectors like public procurement, credit checks play a decisive role in awarding contracts. Do you know if your business meets the credit criteria required for winning those large-value bids? 💡 Accessing Funding: Unlocking the best funding rates in today’s market requires a robust credit profile. Is your credit rating positioning you to secure the resources you need for growth? At Lightbulb, we specialize in demystifying the complexities of credit ratings, especially for private equity-backed businesses. From bridging the disconnect between EBITDA and statutory results to aligning your financial narrative with credit agency criteria, we ensure your credit rating reflects the real strength of your business. 🚀 Ready to unlock growth opportunities through better credit ratings? Let’s shine a light on your financial potential. 💡 Read more: https://lnkd.in/eA7Ztka6 #CreditRatings #PrivateEquity #BusinessGrowth #WorkingCapital #FinancialStrategy

In our latest blog, James Piper talks about the importance of monitoring and improving your credit file before, during and after acquisition. Business changes during acquisitions can be red flags to credit reference agencies leading to reduced credit limits and/or scores. The knock on effect to supplier terms could mean millions in lost working capital. Read the blog to learn more.

In our latest blog, James Piper talks about the importance of monitoring and improving your credit file before, during and after acquisition. Business changes during acquisitions can be red flags to credit reference agencies leading to reduced credit limits and/or scores. The knock on effect to supplier terms could mean millions in lost working capital. Read the blog to learn more.

Our new Monitoring portal is live! Integrating data from the four leading credit agencies - Experian, Equifax, Dun & Bradstreet, and Creditsafe - the portal gives you real-time business credit insights all in one place. Whether you need business credit insights on your own business, or those within your portfolio, we've made it easy. Interested in gaining access? #BusinessCredit #CreditMonitoring #LightbulbCredit

Our CEO shares part 3 of his series on how Lightbulb is supporting PE funds, this one focuses on the work pre-transaction to identify and then plan on mitigating risk to working capital.

Our CEO shares part 2 in the series on why PE funds and portfolio businesses need to understand their trade credit ratings.....

Our CEO on the last 16 months growth, and our new trade credit insurer work.....