A pre-visit report built from the public record and the borrower's own records replaces three to five hours of manual research with an evidenced brief in minutes — built specifically for the way invoice finance and asset-based lending is underwritten.
Before a first client visit, a business development manager works through six separate checks by hand — with no standard record of how thoroughly any of them was done.
of manual research time before anyone has spoken to the borrower.
in fully-loaded BDM time, per prospect researched.
Basis: a fully-loaded BDM cost of £50–80 per hour and a four-hour research cycle. Put your own figures in below.
The same evidence layer serves every stage of a facility — from the first enquiry to the annual review — so nothing is researched twice and every conclusion is on the record. Buy the pre-visit report on its own, or run the full process; add monitoring to either.
Start from a company number. The full public picture assembles itself — filing history, accounts, officers and their other appointments, charges, PSCs, insolvency notices, judgments, regulator registers, sector outlook and adverse media — before a BDM picks up the phone.
A standardised six-dimension risk assessment with a 12-month probability-of-default view, so credit decisions are consistent across every BDM. Upload the sales ledger and every debtor is resolved to a registered entity and screened, with concentration measured on the actual book.
A pre-visit questionnaire goes to the borrower as a link — group companies, ledgers, existing facility, accounting software, who will be on site. After the visit, the structured survey workbook is read tab by tab and a populated draft report is generated for the reviewer to finish.
Not just a new-deal tool. Every company on the book is re-read every day — a fresh report against Companies House, the Gazette, the court register and the sanctions lists, diffed against yesterday's — and the changes that matter are raised as typed alerts: status changes, overdue filings, new charges, new judgments, director and PSC changes, score movement.
A report is not a score with a narrative wrapped round it. It is a structured reading of the public record and the borrower's own records, in which every finding carries the source, the quote and the filing date behind it.
Each dimension is rated Green, Amber or Red from its own inputs — or Grey where the data does not exist, which is stated rather than hidden. The weighted result is banded Low, Moderate, Elevated, High or Severe, with a confidence level and a 12-month probability-of-default view alongside.
We do not issue credit ratings or credit limits, in any version of any report. The assessment tells you where to look and shows you why; the lending decision stays yours.
In reading order. Every section is built from the primary register or the borrower's own records, and says so.
A company report is typically ready in one to two minutes. A full engagement report — the forensic review of an uploaded ledger set — runs as a background job and takes five to fifteen minutes.
Narrative claims carry numbered citations to a source list graded A, B or C for quality. Where something cannot be evidenced, the report says "not evidenced — to be confirmed" rather than guessing.
Engagement reports move through draft, review and approval before delivery. A reviewer can verify or override any finding, and every change is kept in the finding's history.
Read on the platform, export a print-faithful PDF, or share a single report by a revocable, time-limited link that carries the same confidentiality rules as the platform itself.
Credit data, company data and prospecting tools each solve one part of the problem. None of them produces the pre-visit brief a BDM actually needs — so today that brief is assembled by hand.
| Category | What it offers | The gap |
|---|---|---|
| Credit bureaux | A raw score and a credit report | No synthesis, no pre-visit narrative, no invoice-finance sector context |
| Firmographic data providers | Company hierarchy and classification data | Not tailored to invoice finance; no BDM-ready output |
| Sales-prospecting tools | Contact data and outreach | No credit data, no debtor context, no due-diligence layer |
| Manual BDM research | 3–5 hours and £200–320 per prospect | The real benchmark — and what the platform replaces |
| ABL Intel | An evidenced pre-visit brief, new-deal assessment, survey capture and portfolio monitoring on one evidence layer | Built for invoice finance and asset-based lending, with every finding sourced |
Nothing here is asserted. Move the inputs to match your team and the figures recalculate in front of you, with the working shown.
Defaults reflect a typical independent invoice finance team. Every input is yours to change.
10 × 46 weeks × 4 hrs × £65 = £119,600. Platform time per report is minutes, so it is left out of the saving rather than estimated. A tailored figure for your team is built into every pilot proposal.Hosted and processed in the United Kingdom, encrypted in transit and at rest. Access is role-scoped and default-deny, and each client's data is segregated by tenant.
A standard DPA comes with every client agreement, covering how debtor and portfolio data is handled, retained and deleted.
Cyber Essentials first, ISO 27001 on the roadmap. We publish what we hold and never claim what we don't — most financial-services buyers value that over an unverified badge.
Every report is fully sourced — every data point traceable to its origin — so it stands up to internal audit and regulatory review.
ABL Risk Intelligence Limited is registered with the ICO (ZC223245). Our security, privacy and retention policies are published in full.
Unlimited seats on every plan. There is no per-BDM charge, because a tool a BDM hesitates to use has already failed. Every proposal is built around your team's size and volumes.
Ask for a proposal — it comes with a tailored return estimate built from your own figures, and the pilot fee is credited against the year-one licence.
The fastest way to know whether this works for your team is to run it on the deals already in front of you — and count.
Platform access, team training, and the success metrics agreed in writing.
Two or three BDMs use the platform on real deals. Every report is instrumented.
Usage summary shared — hours saved, reports run, turnaround time.
Full usage data presented. The pilot fee is credited against the year-one licence.
Most independent lenders still run due diligence as a Word-document, person-dependent process. Standardisation is a genuine differentiator, not a nice-to-have.
Analysts and BDMs are expensive and scarce. This lets the team you already have cover more prospects without proportional headcount growth.
Early lenders shape the product and become the case studies that unlock the rest of the market — a position that is hard to recreate later.
A fixed-fee, time-boxed pilot on real deals removes the two things that normally stall a decision: cost risk and procurement delay.
The fastest way to know whether this works for your team is to run it on real deals.
With your credit or operations lead, on the deals you have in hand.
Built around your team's size and volumes — the calculator above, with your numbers.
On real deals, with the success metrics written down.
And a decision on the annual licence, with the pilot fee credited.