No. Sending us your details is an enquiry, not a formal application, and we don't run any credit check at that stage. It doesn't affect your credit score.
When a credit check can happen
A formal application to a lender later in the process may involve a hard credit check by that lender. We'll always tell you which checks will happen, and when, before they happen.
Why we pre-qualify first
We work out which lenders are likely to say yes before anything is submitted, rather than sending your case to many lenders at once. That keeps unnecessary credit searches off your file.
Personal and business checks
Lenders usually check the business. Many also check the directors personally, especially where a personal guarantee is involved. See Will I have to give a personal guarantee?.
Last reviewed: 8 October 2026