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Help Franchise Finance · Applying with bizbritain Will a franchise finance enquiry affect my credit score?
Help guide · Franchise Finance · Applying with bizbritain 1 min read

Will a franchise finance enquiry affect my credit score?

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 happenLater, when you...

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

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