What Is an Employer Reference Number? How to Find Your ERN
An Employer Reference Number, or ERN, identifies your PAYE scheme.
Do business with greater confidence. Spot risky customers before offering credit.
Registering with FSB Insurance Service gives FSB members access to ten complimentary Business Credit Grade Checks powered by Allianz Trade, helping you make more informed decisions before offering credit or starting work. (Only available to check Ltd companies).
Before offering credit, starting work or agreeing payment terms, it helps to understand who you’re doing business with. Business Credit Grade Checks give you a clearer picture of a company’s financial position, helping you make more informed trading decisions.
Registered FSB members receive 10 complimentary Business Credit Grade Checks each membership year. Each check on a limited company provides an easy-to-understand credit grade together with key business information to help you assess the financial strength of customers and suppliers before you trade with them.
Business Credit Grade Checks can help you:
Assess new customers before offering credit. Review existing customers if circumstances change
Check suppliers before placing significant orders. Support more informed credit control decisions. Trade with greater confidence
Every business relies on customers paying on time.
A Business Credit Grade Check won’t tell you exactly what will happen, but it can provide valuable insight into a company’s creditworthiness, helping you make better-informed decisions before extending credit or entering into new trading relationships.
FSB Insurance Service is here to help FSB members understand and manage business risks, not just arrange insurance.
Complimentary Business Credit Grade Checks are one of several registered member benefits designed to help small businesses make more informed trading decisions, reduce financial risk and trade with greater confidence.
The complimentary Business Credit Grade Checks are available exclusively to registered FSB members through FSB Insurance Service.
If you’re already registered, you can access the service using the link provided in your FSB Insurance Service welcome email. If you’re not yet registered, registration is free for FSB members and unlocks access to these checks, along with a range of other practical member benefits.
An Employer Reference Number, or ERN, identifies your PAYE scheme.
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