No. Sending us your franchise plans is an enquiry, not a loan application, and we don't run a credit check at the enquiry stage. It doesn't affect your credit score.
When a credit check can happen
Later, when you apply:
- A Start Up Loan includes a full personal credit check as part of the formal application. See Will applying affect my credit score?
- A business loan usually involves a credit check by the lender.
We explain any checks before they happen.
Why your personal credit matters
Franchise finance often relies on you personally: Start Up Loans are personal loans, and business lenders usually ask for a personal guarantee. So lenders look closely at your own credit history.
Last reviewed: 8 October 2026