Credit Triggers That Find Your Next Client Before Competitors Do
Commercial finance runs on timing. A business whose credit score just dropped needs factoring now, not in three weeks when your sales team gets around to calling. But most firms still rely on stale lead lists, NACFB referral networks, and manual outreach. By the time you reach a prospect, two competitors have already quoted.
Spotzee monitors credit score changes, CCJ filings, Companies House activity, and growth signals across millions of businesses in real time. When a trigger fires, it launches a compliant campaign automatically, with the financial context your prospect expects from a specialist lender. Not a generic mailshot. Built-in FCA compliance workflows mean every communication meets regulatory requirements before it sends. No compliance bottleneck. No manual checking.
Built for your needs
Features that drive results
Credit Decline Triggers
Set your credit score thresholds across Red Flag Alert and Creditsafe. The moment a business breaches one, Spotzee fires off a campaign. You're reaching prospects under cash flow pressure right when they need finance. Not weeks later from a purchased list.
Companies House Signals
New incorporations. Director changes. Registered address moves. Annual filings. All of it tells you which businesses are growing, restructuring, or changing hands. Spotzee picks up those Companies House signals and turns them into targeted outreach before your competitors even notice.
FCA Compliance Built In
In 2024, the FCA made firms amend or withdraw 19,766 financial promotions. That's a 97.5% jump in enforcement. Spotzee's compliance engine covers pre-approval routing, mandatory risk warnings, content scanning, and WORM archiving. Your campaigns meet requirements before they send, not after a regulator flags them.
Red Flag Alert Integration
Plugs directly into Red Flag Alert and its 6M+ UK business records. CCJ data, risk indicators, financial health scores, sector classifications. All feeding straight into your campaign triggers without CSV exports or manual imports. The data updates, your campaigns react.
Creditsafe Integration
Credit data on 365M companies across 160 countries. If your firm handles international portfolios or clients trading cross-border, Creditsafe integration means your triggers work globally. Not just in the UK.
Managed Services Option
No marketing team? That's actually the norm in commercial finance. Spotzee's fully managed model covers campaign strategy, copywriting, compliance workflows, sending, and reporting. Your team approves content and reviews results. We do the rest.
Provider Agnostic
Already using SendGrid, Postmark, or Amazon SES? Keep them. Spotzee layers on top of your existing sending setup or provides its own. Deliverability management and reputation monitoring work regardless of what sits underneath.
Multi-Touch Journeys
One trigger kicks off an entire nurture sequence. Credit decline today, introductory email tomorrow, case study the following week, phone call task for your broker after that. Each touchpoint adapts based on engagement and the latest credit data.
Pipeline Attribution
Follow every lead from the initial credit signal through to enquiry and conversion. See which triggers, campaigns, and journeys drive actual pipeline. Not just opens and clicks. Attribution reporting your sales team will genuinely use.
How teams use Spotzee
Common use cases
Invoice Factoring Leads
A business's credit score drops below your threshold. Spotzee fires off a campaign with industry-specific messaging and the financial context that shows you understand their situation. Your broker gets a warm lead instead of making a cold call.
ABL Prospect Identification
Revenue increases, new director appointments, expanded filings. These growth signals point to businesses that may need larger facilities. Spotzee triggers asset-based lending campaigns to the right prospects at the right time.
Trade Credit Renewals
Renewal journeys launch automatically before a client's facility lapses. Spotzee tracks expiry dates and pulls in the latest credit data so your renewal messaging reflects their current financial position. Not last year's numbers.
Commercial Mortgage Nurture
Registered address changes, property-related filings, growth indicators. Companies House flags these events, and Spotzee feeds them into nurture sequences. You reach businesses making property decisions with relevant commercial mortgage options.
Don't Have a Marketing Team?
Most commercial finance firms run lean. A handful of brokers, an operations lead, maybe an office manager who somehow ended up running the marketing too. Spotzee's fully managed model gets compliant, data-triggered campaigns live without you hiring a single marketer. We take care of strategy, copywriting, compliance workflows, and reporting. You focus on closing deals.
Common questions
Frequently asked questions
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