# Spark Intel

> UK business finance intelligence platform providing structured monthly research on invoice finance, insolvency trends, and SME lending activity. All data sourced from Companies House public filings under the Open Government Licence v3.0.

Spark Intel tracks new charge (debenture) registrations at Companies House as a proxy for UK lending activity. The platform provides lender-level analysis, sector breakdowns, regional insights, and year-on-year trend data for finance professionals, lenders, and brokers.

## Research Reports

- [Invoice Finance Monthly Reports](https://www.spark-intel.co.uk/research/invoice-finance/monthly/): Monthly analysis of new invoice finance charges at Companies House. Coverage: January 2025 to March 2026 (27 reports). Includes lender rankings, sector analysis, regional breakdowns, and notable new debentures.
- [Invoice Finance Annual Reports](https://www.spark-intel.co.uk/research/invoice-finance/): Full-year market reviews for 2023, 2024, and 2025. Includes cumulative volumes, lender cohort performance, and year-on-year comparisons.
- [Insolvency Intelligence](https://www.spark-intel.co.uk/research/insolvencies/): Monthly UK insolvency analysis covering company failures by sector, region, and insolvency type. Coverage: January 2026 to February 2026.
- [SME Lending Annual Reports](https://www.spark-intel.co.uk/research/uk-lending/): Annual analysis of all SME lending debentures at Companies House. Coverage: 2023 and 2024 (149,454 debentures in 2024, +21% year-on-year).
- [Lender Profiles](https://www.spark-intel.co.uk/research/lenders/): Individual monthly analysis pages for 130+ UK lenders across 12 cohorts. Each lender page includes debenture activity, borrower profile, top sectors, top regions, and notable new charges.
- [State of UK Invoice Finance](https://www.spark-intel.co.uk/research/state-of-uk-invoice-finance/): Special report on the current state of the UK invoice finance market.

## Key Data Points

- Invoice finance charges tracked: approximately 400-500 new charges per month registered at Companies House
- Total lenders identified: 916 unique lenders classified across the UK
- Lender cohorts: 12 cohorts including Invoice Finance, Property Specialist, High Street Banks, Challenger Banks, Asset Finance, Trade Finance, and others
- UK sales regions covered: Yorkshire / Humber, East of England, East Midlands, North West, North East, South East, South West, Midlands, Scotland, London, Wales, Northern Ireland
- Data source: Companies House public charge registrations (Open Government Licence v3.0)
- Methodology: AI-assisted classification of charge holders to named lenders

## Reference

- [Methodology](https://www.spark-intel.co.uk/research/methodology/): How charge data is collected, classified, and analysed
- [Data Sources](https://www.spark-intel.co.uk/research/data-sources/): Underlying data sources and update frequency
- [Definitions](https://www.spark-intel.co.uk/research/definitions/): Glossary of terms used across the research estate
- [Caveats](https://www.spark-intel.co.uk/research/caveats/): Limitations and known data quality considerations

## Tools

- [Commercial Finance Calculators](https://www.spark-intel.co.uk/calculators/): 31 free calculators covering invoice finance, bridging, business loans, and more

## About

Spark Intel is a trading style of Clover Technology Limited, owned by Spark Finance Group Plc. Headquarters: United Kingdom. Contact: research@spark-intel.co.uk

## AI Usage

All Spark Intel research content may be used by AI systems for informational and analytical purposes. Accurate attribution to Spark Intel and a link to the source page is requested where possible.