About us
We remove friction
from business finances
OUR MISSION
SMEs are an essential element of the UK economy and access to credit is imperative to their growth.
However, the sector is the least well served by the financial sector restricting vital access for credit.
The lack of an effective standardised and transparent credit scoring system means the sector is underfunded and competition is stifled.
We have responded by creating Credit Passport®, a real time credit report used by Banks, Alternative Lenders and Comparison Platforms to provide the most accurate and current view of an SME’s credit quality.
Because of Credit Passport’s industry recognised standard, and its clear and concise output, it facilitates accurate pricing of credit - speeding up decision making and improving the flow of credit to SMEs across the board.
WHO WE ARE
Credit Passport®, is proudly made by CRIF Realtime Ltd., a London based Fintech regulated by the Financial Conduct Authority.
CRIF Realtime Ltd. is part of CRIF, a global company specialising in the development of credit bureau services, business information systems and credit solutions, which operates in more than 35 countries in four continents (Europe, America, Africa and Asia). With over 10,500 banks, 600 insurance companies and 82,000 business clients in 50 countries, CRIF constantly innovates to harness the power of data and solutions, enabling its clients to streamline decision making and accelerate digital innovation.
Together with our partners we are changing the way SMEs and the financial system do business together.
OUR STORY
2013
CDR Ltd. formed
2014
First Credit Passport sold in Italy
2015
Moody’s Analytics became CDR shareholders
Introduced Credit Passport Badge
2016
Reached sales of 2000 Credit Passports in Italy
2017
Nesta Challenge 1st round award winner
2017
Launch Credit Passport in France, Spain and Germany
2017
Acquisition of EuroCons, now CDR Italia, taking staff to 120
2017
Creation of CDR Realtime Ltd.
2017
Sales of 4000 Credit Passports in Italy, with 15 partner banks
2017
Nesta Challenge 2nd round award winner
2018
One of the first six companies in the UK to be authorised by the FCA as an AISP
2018
Launch of creditpassport.com beta site powered by Open Banking
2018
CRIF S.p.A. became CDR shareholders, CRIF Realtime Ltd. is born
2018
Successfully connected to the CMA9 banks using Open Banking
2018
Nesta Challenge 3rd round award winner
2020
Launch of creditpassport.com to SMEs in the UK
2020
Free COVID-19 SME support tools launched
2021
Credit Passport PLUS Plan goes live
2023
Reached 30,000 SME customers in the UK
2024
Reached 40,000 SME customers in the UK
2024
Launched in the Czech Republic and Germany
2024
Launched in the Netherlands with IMK partnership
RECOGNITIONS
In 2017, the Competition & Markets Authority and the 9 biggest banks in the UK tasked Nesta to create a global challenge prize to bring innovation and disruption to the banking world. We are very proud to have been selected as a winner of the prize in May 2017, December 2017 and again in May 2018, giving us insight, access and data to become one of the major players in the OpenBanking environment. Since then we’ve been consistently shortlisted or won a host of industry awards, recognising our impact to SMEs and credit decision making.