About Lightbulb Credit
Lightbulb Credit was founded in 2018 by James Piper to bridge the gap between businesses and the UK’s leading Credit Reference Agencies and Trade Credit Insurers. Since then, we have become a trusted partner for thousands of companies looking to understand and improve their credit ratings.
Lightbulb understands the challenges businesses face when dealing with rating agencies, credit insurers, and suppliers. Our mission is to simplify and streamline that process, helping businesses access the credit they deserve.
The team at Lightbulb consists of market leading credit specialists and also professional advisory and restructuring experts, including James Piper & Ian Green - who was head of restructuring at PwC for many years.
What we Do
Lightbulb Credit works directly with the UK’s major credit agencies and insurers to improve trade credit ratings. Our proven approach helps businesses unlock higher credit limits, strengthen supplier relationships, and optimise working capital.
Our Services
• Client Credit Insight Reports
An easy-to-read and understand credit insight report showing your business’s ratings, recommended limits, and risk profile across the UK’s top credit agencies and insurers.
• Monitoring
Real-time alerts, in-depth reporting, and market intelligence delivered through our online portal, backed by direct access to our expert team.
• Trade Credit Insurance Support
Quarterly data sharing with insurers to ensure your business is accurately represented and optimally covered.
• Improvement
We proactively engage with credit agencies to improve your ratings and credit limits.
• Consultancy
Bespoke support for complex businesses. We define your goals and use our relationships with the agencies to help you achieve them.
With custom-built data-sharing templates and hands-on credit expertise, we make trade credit management simple. Our work helps businesses secure better terms, improve cash flow, and enhance financial stability.
To learn more about how Lightbulb Credit can support your business, visit our website at www.lightbulbcredit.co.uk and discover the difference expert credit management can make.