{"id":6594,"date":"2019-07-17T10:00:02","date_gmt":"2019-07-17T09:00:02","guid":{"rendered":"https:\/\/www.sage.com\/en-gb\/blog\/?p=6594"},"modified":"2026-01-29T10:23:15","modified_gmt":"2026-01-29T10:23:15","slug":"use-credit-data-business","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-gb\/blog\/use-credit-data-business\/","title":{"rendered":"How to effectively use credit data\u00a0for your business"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tHow to effectively use credit data for your business\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Published <time class=\"entry-date published\" datetime=\"2019-07-17T10:00:02+01:00\">17 July, 2019<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"How to effectively use credit data\u00a0for your business\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-gb\/blog\/use-credit-data-business\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-gb\/blog\/author\/chrisrobertson\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2019\/07\/Creditsafe_ChrisRobertson-350x350.jpg\" class=\"entry-author__image\" alt=\"Chris Robertson\" \/>\t\t\t\t<span class=\"entry-author__name\">Chris Robertson<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Credit data can be a powerful tool for your business. It can help you understand a number of things about your industry, the ecosystem your business is part of and the companies you are competing against.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It can also allow you to understand your own company\u2019s financial situation and how it is perceived by prospective investors or even potential members of staff.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Supply chains can benefit greatly from effective financial research utilising credit monitoring and the data that becomes available with this kind of insight. Importantly, such data does not discriminate by size.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Smaller businesses can engage just as much as global corporations. With this in mind, it\u2019s important for you to engage with credit data regardless of the size of your business so as not to leave any stone unturned in a thorough <a href=\"https:\/\/www.sage.com\/en-gb\/blog\/business-intelligence-improve-cash-flow\/\">business intelligence<\/a> analysis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the <a href=\"https:\/\/www.sage.com\/en-gb\/blog\/payments-retail-apocalypse\/\">high street suffering<\/a> and high-profile businesses seemingly falling into administration on a regular basis, now is the time to understand the financial implications of this data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Not reviewing your credit data could lead to poor decisions being made that can have severe negative consequences later down the line.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read this article to learn about credit scores, how they can change and how to improve them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-credit-score\"><strong>What is a credit score?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Credit scores can understandably be a confusing concept to those who are unfamiliar. However, understanding them can help you inform various business decisions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A credit score is a number given by financial data analysis companies, which helps businesses to understand how creditworthy they, or their competitors, are in the landscape.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you are a newer business, your credit score is naturally going to be far lower than a larger organisation due to a vast difference in credit history.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-company-credit-score-vs-personal-credit-score\"><strong>Company credit score vs personal credit score<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The credit score of your business differs to a personal credit score \u2013 the latter relates to things such as your own payment history through credit cards and loans, for example.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The same type of logic applies to both though and allows you to understand the financial implications of doing business with someone or another business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Business credit scores consider a number of financial key performance indicators (KPIs), including how prompt a company\u2019s payments are made to suppliers across the chain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Directors can also have an influence on a company credit score as their financial and business history will be scrutinised alongside any financial information to produce a full picture for analysis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Every credit score company scores differently. For the UK specifically, different companies will have a different scale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s an example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A <a href=\"https:\/\/www.creditsafe.com\/gb\/en.html\">credit score company<\/a> may base the score on a scale of 1 to 100 \u2013 this is a commonly used metric to check a company\u2019s chance of insolvency.<\/li>\n\n\n\n<li>To break it down a bit further, a score of 50+ within the data would highlight that a business is deemed \u2018low risk\u2019.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re looking at your company\u2019s credit score, you can benchmark it against other companies in your industry.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-can-a-credit-score-change-nbsp\"><strong>How can a credit score change?&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A question most business owners ask. Whether you are scrutinising your own company\u2019s financial profile or looking at a new potential partner, investigating the reasoning behind a sudden decline in credit score can provide invaluable information. All of the following can impact a decline in credit score:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Missed payments to suppliers<\/li>\n\n\n\n<li>Decline in financial figures<\/li>\n\n\n\n<li>Adverse information<\/li>\n\n\n\n<li>A decline in director performance (if a director has failed in another business).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Monitoring the above will give you insights into a company (including your own if you\u2019re looking at these points for your business) and you will be better placed to understand what working practices they have when it comes to payments, which in turn can help your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tackling these crucial aspects will consequently improve your credit score but the following are some key things to consider if your numbers are looking low and you want to improve on them:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Make prompt payments<\/li>\n\n\n\n<li>Set up lines of credit with suppliers<\/li>\n\n\n\n<li>Report accurate financial figures<\/li>\n\n\n\n<li>Increase credit limits where possible<\/li>\n\n\n\n<li>Highlight and correct any errors in your financial history<\/li>\n\n\n\n<li>Work with established low-risk businesses and partners.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-review-partners-and-suppliers\"><strong>Review partners and suppliers<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When you are armed with the financial knowledge of a business\u2019s current situation, be that successful or failing, you can utilise this to review your supply chain efficiently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you know a supplier is paying on time and is not having any financial difficulties, perhaps you may wish to extend <a href=\"https:\/\/www.sage.com\/en-gb\/blog\/establish-payment-terms\/\">payment terms<\/a> with them or start lines of credit. This can be beneficial for both parties and could strengthen the financial and commercial bond between the two organisations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, if you\u2019re witnessing the financial struggles and decline of a business partner, perhaps it\u2019s time to review this relationship. This can lead you to make successful new partnerships or be open and have a frank discussion with someone with the backing of your new financial information.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-directorship-investigation\"><strong>Directorship investigation<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As well as financial alerts and statistics, credit monitoring will also utilise <a href=\"https:\/\/www.gov.uk\/get-information-about-a-company\">Companies House data<\/a> to show you directorial information. From this, you can see how many businesses an individual has been involved with.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can look into their director history too, allowing you to see if there may be a dangerous pattern of previously failed businesses. This is simply doing your due diligence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit monitoring allows you to focus on your business and will alert you when there are significant changes that could affect your business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If one of your suppliers falls into financial difficulties you shouldn\u2019t have to wait to hear about this when they become insolvent, you should know just as things are beginning to decline so you can prepare for the worst.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion-on-using-credit-data\"><strong>Conclusion on using credit data<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">While it may seem like thorough detective work is needed to understand a company&#8217;s history and financial profile, AI rules make this far easier today so you can ensure your <a href=\"https:\/\/www.sage.com\/en-gb\/blog\/scale-your-business\/\">business continues to grow profitably<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Technology now allows credit assessors to predict risk before it happens: internal rules highlight those organisations who may be struggling financially to help minimise the negative impacts across the ecosystem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each platform will have its own way of analysing the data but ultimately, they should all allow you to make more intelligent business decisions.<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">A basic guide to interactive dashboards for small business<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Want to know how to use data to make the right decisions so you can grow your business? Download this free guide and learn how business intelligence tools can reveal insights that will keep your business moving.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-0c3a9304-9d58-4b46-b213-b308b81e1d75\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Get your free guide<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"999\" height=\"666\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2018\/07\/2018_Heroic-295_All-Uses.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2018\/07\/2018_Heroic-295_All-Uses.jpg 999w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice newsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Join more than 500,000 UK readers and get the best business admin strategies and tactics, as well as actionable advice to help your company thrive, in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-b1a63862-3fa0-4a5e-bb67-c76b88bbc6b8\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe now<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1073797282-1-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1073797282-1-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Browse more topics from this article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-gb\/blog\/tag\/data-analytics\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tData analytics\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explore more wisdom<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-29806 post type-post status-publish format-standard has-post-thumbnail hentry category-growth-customers category-trends-insights tag-business-finances tag-business-performance tag-customer-stories tag-data-analytics tag-grow-business tag-midsized-business tag-need-to-know tag-productivity tag-reporting business_type-small-business business_type-medium-sized-business card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media card-post__media--video\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"700\" height=\"400\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/04\/Tranmere-Rovers-Sage-Advice-header.jpg\" class=\"card-post__image\" alt=\"A man walks across the on-field dugout of a football pitch. Sage promotional banners flank the background.\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/04\/Tranmere-Rovers-Sage-Advice-header-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/04\/Tranmere-Rovers-Sage-Advice-header.jpg 700w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2026\/04\/Tranmere-Rovers-Sage-Advice-header.jpg 700w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__play-video\">\n\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" class=\"card-post__play-icon svg-icon\" width=\"28\" height=\"28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 33 36\"><path d=\"M3.947.936C1.889 1.016 0 2.661 0 4.878v27.11c0 2.956 3.36 4.896 5.999 3.463l24.965-13.555c2.715-1.474 2.715-5.451 0-6.925L6 1.416a3.96 3.96 0 0 0-2.052-.48Zm.032 2.6c.232-.001.475.058.713.187L29.66 17.28c.986.535.986 1.774 0 2.309L4.692 33.144c-.952.517-1.999-.088-1.999-1.155V4.878c0-.533.261-.95.642-1.17.19-.11.411-.171.644-.172\" \/><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommended<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M5.25 3C3.74 3 2.5 4.24 2.5 5.75v12.5C2.5 19.76 3.74 21 5.25 21h14c1.51 0 2.75-1.24 2.75-2.75V5.75C22 4.24 20.76 3 19.25 3zm0 1.5h14c.699 0 1.25.551 1.25 1.25v12.5a1.24 1.24 0 0 1-1.25 1.25h-14A1.24 1.24 0 0 1 4 18.25V5.75c0-.699.551-1.25 1.25-1.25m.25.75a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8.25 2.751A1.248 1.248 0 0 0 9 9.251v5.5c0 .442.231.849.613 1.074.389.231.846.237 1.239.021l5.001-2.751c.396-.219.646-.639.646-1.094s-.25-.876-.646-1.095l-.001-.001-5.002-2.751a1.25 1.25 0 0 0-.601-.153zM5.5 8.25a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8 1.423L14.731 12 10.5 14.328zm-5 1.577a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-04-24T09:52:02+01:00\">24 April, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">2 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/tranmere-rovers-fc-sage\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tWhat does it mean to be an anchor institution? Tranmere Rovers on caring for its community\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tBehind everything that happens on the pitch of Prenton Park is a tight-knit team dedicated to Tranmere and the community around it. In this interview, Greg Clayton, Matt Houghton, and Debbie Quaile highlight how resilience, drive, and Sage software all work in tandem to make the decisions that matter, both on and off the pitch.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">More on this Topic<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-29616 post type-post status-publish format-standard has-post-thumbnail hentry category-money-matters tag-business-finances tag-data-analytics business_type-small-business business_type-medium-sized-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/what-is-spend-data-management\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1288428995-684x384.jpg\" class=\"card-post__image\" alt=\"Working on team tasks and supporting employees\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1288428995-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1288428995-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1288428995-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-04-17T15:17:08+01:00\">17 April, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">16 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tSpend data management\u00a0and why it\u00a0matters\u00a0\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-28704 post type-post status-publish format-standard has-post-thumbnail hentry category-people-leadership category-trends-insights tag-career-development tag-data-analytics tag-employee-engagement tag-finance tag-recruit tag-looking-after-your-employees tag-need-to-know tag-payroll business_type-small-business business_type-medium-sized-business business_type-accountants\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/average-salary-uk\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1146164056-684x384.jpg\" class=\"card-post__image\" alt=\"Woman applying for business credit line\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1146164056-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1146164056-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1146164056-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-03-12T10:35:53+00:00\">12 March, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">23 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tAverage salary in the UK: by region &amp; age 2026\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-28978 post type-post status-publish format-standard has-post-thumbnail hentry category-technology-innovation category-trends-insights tag-ai tag-data-analytics tag-digital-transformation tag-finance-futurists tag-state-of-small-business tag-workplace-technology business_type-small-business\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/en-gb\/blog\/make-ai-useful-small-business\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1261586981-684x384.jpg\" class=\"card-post__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1261586981-684x384.jpg 684w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1261586981-768x432.jpg 768w, https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2022\/04\/GettyImages-1261586981-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-03-05T14:56:33+00:00\">5 March, 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">3 min read<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tMake AI useful. 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It can help you understand a number of things about your industry, the ecosystem your business is part of and the companies you are competing against. It can also allow you to understand your own company\u2019s financial situation and how it is perceived by prospective [&hellip;]<\/p>\n","protected":false},"author":876,"featured_media":6599,"menu_order":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[6],"tags":[126],"business_type":[4],"lilypad":[],"context":[],"industry":[],"persona":[73,74],"imagine_tag":[109],"coauthors":[511],"class_list":["post-6594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","tag-data-analytics","business_type-small-business"],"sage_meta":{"region":"en-gb","author_name":"Chris Robertson","featured_image":"https:\/\/www.sage.com\/en-gb\/blog\/wp-content\/uploads\/sites\/10\/2019\/07\/Finlayson_FY19_Testimonial_5E3A8875.jpg","imagine_tags":{"109":"Small business"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice UK","distributor_original_site_url":"https:\/\/www.sage.com\/en-gb\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/6594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/users\/876"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/comments?post=6594"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/posts\/6594\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/media\/6599"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/media?parent=6594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/categories?post=6594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/tags?post=6594"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/business_type?post=6594"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/lilypad?post=6594"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/context?post=6594"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/industry?post=6594"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/persona?post=6594"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/imagine_tag?post=6594"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-gb\/blog\/api\/wp\/v2\/coauthors?post=6594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}