ABL + Invoice Finance
November 2025
7th in cohort
Cynergy Business Finance
November 2025 debenture analysis for Cynergy Business Finance. ABL + Invoice Finance cohort, ranked 7th.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 28 | 25 | 9 | 23 | +61% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Cynergy Business Finance | 15 | £859k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 5 |
| Employment services | 3 |
| Fabricated metal products | 3 |
| Land transport & logistics | 2 |
| Office & business support | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 9 |
| North West | 6 |
| London | 3 |
| Yorkshire / Humber | 2 |
| Scotland | 1 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 06/11/2025 | UNIVERSAL LEASING LIMITED | 20.7 yrs | South East | Financial services | Dec-2024, Trade Debtors: £753k, Other debts: £44.6m, Net Assets: £9.2m, Staff: 27 |
| 19/11/2025 | SIMPLY EDUCATION LIMITED | 20.3 yrs | London | Employment services | Dec-2024, Turnover: £14.6m, Trade Debtors: £1.7m, Net Assets: £782k, Staff: 56 |
| 11/11/2025 | WALKER GUIDANCE SYSTEMS | 9.4 yrs | South East | Fabricated metal products | Sep-2024, Trade Debtors: £503k, Debts: £470k, Net Assets: £-3.3m, Staff: 49 |
| 11/11/2025 | EMMERSON TRANSPORT LTD | 13.3 yrs | South East | Land transport & logistics | Jul-2024, Trade Debtors: £1.4m, Debts: £427k, Net Assets: £787k, Staff: 30 |
| 05/11/2025 | LEIGH SPINNERS LIMITED | 71.7 yrs | North West | - | Feb-2025, Trade Debtors: £556k, Debts: £261k, Net Assets: £406k, Staff: 41 |
| 20/11/2025 | TECHNICAL TUBES LTD | 23.6 yrs | South West | Fabricated metal products | Dec-2024, Net Assets: £697k, Staff: 34, Est PBT: £-6k |
| 04/11/2025 | CUMMINS AND PAPYRUS | 45.2 yrs | Yorkshire / | Paper products | Dec-2024, Trade Debtors: £941k, Debts: £529k, Net Assets: £1.6m, Staff: 15 |
| 19/11/2025 | HEALTHII PEOPLE LIMITED | 9 yrs | London | - | Dec-2024, Trade Debtors: £754k, Debts: £354k, Net Assets: £222k, Staff: 30 |
| 11/11/2025 | EMMERSON AGGREGATES LTD | 5.3 yrs | South East | Land transport & logistics | Aug-2024, Trade Debtors: £596k, Debts: £38k, Net Assets: £71k, Staff: 3, Est PBT: £60k |
| 05/11/2025 | DEERFOOT RECRUITMENT | 28.1 yrs | South East | IT programming / consulting | Oct-2024, Trade Debtors: £504k, Net Assets: £1.1m, Staff: 12, Est PBT: £-359k |