High Street IF
December 2025
3rd in cohort
Lloyds Commercial Finance
December 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 3rd.
December 2025 Debenture Activity
Year-over-year comparison of debenture registrations for December 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 34 | 29 | 30 | 13 | -131% |
Borrower Profile
Average borrower characteristics compared to cohort for December 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Fabricated metal products | 3 |
| Financial services | 2 |
| Office & business support | 2 |
| Wholesale trade | 2 |
| Specialist construction | 1 |
Top Regions
| Region | Count |
|---|---|
| Midlands | 6 |
| South East | 3 |
| North West | 2 |
| Yorkshire / Humber | 2 |
Notable New Debentures
Significant new debenture registrations in December 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 09/12/2025 | PROPEL ENGINEERING LIMITED | 2.3 yrs | Midlands | Financial services | Feb-2025, Turnover: £25.5m, Trade Debtors: £5.0m, Debts: £3.7m, Net Assets: £13.0m |
| 02/12/2025 | HARRISON PRODUCTS CO | 19.3 yrs | Midlands | Manufacturing (other) | Dec-2024, Turnover: £17.6m, Trade Debtors: £3.2m, Net Assets: £9.0m, Staff: 77 |
| 09/12/2025 | PHARMASTAR LIMITED | 17.7 yrs | South East | - | Mar-2025, Trade Debtors: £299k, Debts: £453k, Net Assets: £335k, Staff: 42 |
| 09/12/2025 | EQUINE AMERICA (UK) LIMITED | 26.7 yrs | South East | - | Dec-2024, Trade Debtors: £381k, Debts: £233k, Net Assets: £4.7m, Staff: 18 |
| 02/12/2025 | HAPPY PLANTS LIMITED | 12.1 yrs | North West | Office & business support | Nov-2024, Trade Debtors: £711k, Net Assets: £938k, Staff: 28, Est PBT: £130k |
| 03/12/2025 | THORNTON HOLDINGS | 4.3 yrs | North West | - | Nov-2024, Trade Debtors: £442k, Debts: £2.0m, Net Assets: £4k, Staff: 4 |
| 09/12/2025 | INTRINSIC PAPER STRAWS | 6.5 yrs | Midlands | Paper products | Mar-2025, Trade Debtors: £152k, Net Assets: £-832k, Staff: 23, Est PBT: £3k |
| 29/12/2025 | YORKSHIRE WHOLESALE | 3.9 yrs | Yorkshire / | Wholesale trade | Mar-2025, Net Assets: £270k, Staff: 17, Est PBT: £11k |
| 09/12/2025 | ALLIANCE INDUSTRIAL DOORS | 26.3 yrs | Midlands | Fabricated metal products | Sep-2025, Trade Debtors: £626k, Debts: £59k, Net Assets: £260k, Staff: 18 |
| 29/12/2025 | YLF PROPERTY LIMITED | 9.1 yrs | Yorkshire / | Fabricated metal products | Nov-2024, Net Assets: £407k, Staff: 2, Est PBT: £13k |