Financial Health
Services

We assess your financial health by looking at credit standing, cash flow patterns and access to funding together, rather than in isolation. Working alongside Capitalise, powered by Experian data, we build a 360-degree view of your business credit profile, covering your credit score, credit limit and the factors influencing both.

We also monitor outstanding invoices, payment trends and cash flow risk, flagging problems before they have a chance to escalate into something far more serious. Regular reporting turns that data into practical, usable steps you can act on straight away. This sits within our wider financial health services, giving you a clear, ongoing understanding of where your business genuinely stands.

Your business credit score affects funding decisions, supplier terms and how lenders view your business, so it sits at the centre of our financial health check. Through Capitalise, powered by Experian data, we monitor your credit profile continuously and alert you to changes, risks or legal notices that could affect it.

We identify the specific factors pulling your score down and set out practical steps to raise it, from managing payment history to reducing outstanding debt. This isn't a one-off exercise; it's ongoing finance support built into your accounts, so your credit position keeps improving over time. As your score strengthens, your funding options and supplier terms improve alongside it.

A business financial health check starts with a full review of your credit profile, cash flow position and current access to funding. Using Capitalise's Experian-powered data, we map your credit score, outstanding invoices and payment trends, then flag risks before they turn into real problems.

From there, we build a clear picture of your financial resilience and set out recommendations tailored to your business rather than generic advice. Regular reporting follows, translating that data into steps you can act on straight away. It's a structured, ongoing process rather than a quick snapshot, giving you genuine finance help and a proper, up-to-date understanding of exactly where your business truly stands today.

Getting started with our financial health services is straightforward. Once your accounts connect to Capitalise, you get real-time access to your credit score, cash flow monitoring and funding position within days rather than weeks. There's no lengthy onboarding; our team sets everything up and talks you through what the data means for your business.

For business owners who want wider strategic input alongside their credit and cash flow position, our business advisory service builds on these insights to shape longer-term decisions around growth and planning. Early access also means early warnings, so risks and opportunities surface quickly, giving you time to act rather than react once problems have taken hold.

Yes. Through our partnership with Capitalise, a financial health check gives you access to over 100 lenders, matched to your business profile and funding needs. We strengthen your credit position first, since a stronger profile means better rates and more options when you apply.

Our financial support services cover working capital, growth funding and asset finance, with guidance at every stage of the application. If your funding needs are larger or more complex, our corporate finance team can step in to structure the right solution, from acquisitions to significant capital investment. Either way, you get finance help built on a genuine understanding of your accounts, not a generic lending checklist.

Cash flow problems rarely appear overnight, which is why our financial health check monitors outstanding invoices, payment trends and bad debt risk continuously rather than at year-end. We flag issues early, identify exactly where cash is tied up unnecessarily and give tailored recommendations to free it up.

This proactive approach sits alongside our wider financial support services, so cash flow guidance stays properly joined up with your accounts and tax position rather than being treated in isolation. If cash flow risk stems from wider vulnerabilities, such as key person dependency or losing a major client, our business protection service can help safeguard against those risks directly, keeping your business resilient.

Alongside our financial health check, we offer a broader range of financial support services designed to work together rather than in isolation. This includes funding access through Capitalise, business advisory for strategic decisions and regular reporting that keeps your full financial position clearly visible all year round.

For businesses managing staff costs as part of their financial picture, our payroll services integrate directly with your accounts, so wages, compliance and cash flow are accounted for in one place. We also provide ongoing finance support rather than a single review, meaning your credit score, funding options, cash flow position and resilience are all monitored continuously as your business changes and grows.

Yes, our financial health services are built around ongoing monitoring rather than a one-off review. After your initial assessment, Capitalise continues tracking your credit score, cash flow trends and funding position in real time, with alerts whenever something changes.

You'll also receive regular, easy-to-read reporting that translates that data into clear next steps, so support stays genuinely relevant to whatever stage your business is currently at. This ongoing finance support also means we can respond quickly if risks emerge, rather than waiting for a scheduled review.

Your business financial health check doesn't sit apart from your existing accounts; it's interpreted alongside them, so the guidance you receive is genuinely integrated rather than siloed. We combine your financial data with Capitalise's real-time credit and cash flow insights to build one complete picture of your business's position.

This means recommendations reflect your tax position, reporting obligations and wider goals, not an isolated credit score. Business owners who want to align personal planning with business performance can turn to our wealth management service, which works alongside this data to support longer-term decisions. The result is joined-up finance help that reflects your full financial picture, not a report standing alone.

Booking a business financial health check with Wilds starts with a short conversation about your accounts, credit position and any funding plans coming up. From there, we connect your business to Capitalise, which gives us the Experian-powered data behind your credit score, cash flow trends and funding options within days.

There's no separate application or lengthy paperwork; it fits alongside the accountancy work we already carry out for you. Once set up, you get ongoing access to your financial health services dashboard, plus alerts whenever something changes.