Borrower credit criteria
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Outline credit criteria used by Creative Clinic Capital when assessing funding eligibility for innovation, brand, digital, and campaign investment projects.
All applications are assessed individually and lending terms will be adjusted based on overall risk rating and strategic alignment.
01 — Business Profile
- UK Registered Limited company or charity
- Trading for 2 – 10 years (exceptions made case-by-case)
- £1m – £10m annual turnover
- Evidence of growth ambitions (innovation, rebrand, digital expansion, campaign launch)
- Demonstrable revenue model or reliable funding sources (e.g. revenue generating, recurring income, grants, donations)
02 — Financials & Risk Factors
- Last 12 months turnover and profit/loss
- At least 3 months of positive cashflow or reserves (or alternate mitigation)
- No outstanding CCJs or adverse credit in the last 24 months
- Comfortable debt service ratio (1.25x minimum ideal)
- Personal guarantees may be requested depending on risk rating
03 — Project Scope & Delivery
- Total project value: £100,000 – £250,000
- Strategic investment in brand, website, or campaign development
- Delivery partner in place (Creative Clinic or approved third-party)
- Project schedule and milestones defined
- ROI expectation or strategic benefit clearly stated
04 — Required Documentation
- Latest management accounts
- Last 12 months bank statements
- Project proposal/scope of work
- Overview of current business plan or strategic intent
- ID and company registration details
05 — Optional Enhancers
- Matched funding from grants, equity, or internal budget
- Trustee, investor, or board backing for the project
- Recent growth, contract wins, or investment activity