High Street IF
January 2026
3rd in cohort
Lloyds Commercial Finance
January 2026 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 3rd.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 32 | 26 | 46 | 24 | -22 | -48% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 15.9 | £1.2m |
| Cohort average | 18.6 | £4.2m |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 5 |
| Food manufacturing | 3 |
| Specialist construction | 2 |
| Wholesale trade | 2 |
| Land transport & logistics | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 11 |
| Midlands | 3 |
| East of England | 2 |
| South West | 2 |
| Yorkshire / Humber | 2 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 19/01/2026 | UNIFABS LIMITED | 19.3 yrs | Midlands | Machinery & equipment | Mar-2025, Turnover: £16.0m, Trade Debtors: £3.0m, Debts: £2.0m, Net Assets: £2.6m |
| 13/01/2026 | BTU HOLDINGS LIMITED | 3.2 yrs | South East | - | Oct-2024, Turnover: £21.8m, Trade Debtors: £3.8m, Net Assets: £5.9m, Staff: 124 |
| 13/01/2026 | BTU (INSTALLATION & | 44.7 yrs | South East | - | Oct-2024, Turnover: £21.3m, Trade Debtors: £3.7m, Net Assets: £7.2m, Staff: 121 |
| 22/01/2026 | FIKA HOLDINGS LIMITED | 6.9 yrs | Yorkshire / | - | Mar-2025, Turnover: £11.0m, Trade Debtors: £2.1m, Debts: £4.2m, Other debts: £1k |
| 22/01/2026 | VICTOR MANUFACTURING | 81.2 yrs | Yorkshire / | - | Mar-2025, Turnover: £11.0m, Trade Debtors: £2.1m, Debts: £5.3m, Other debts: £1k |
| 13/01/2026 | AGILE SOLUTIONS (GB) LTD | 11.7 yrs | South East | IT programming / consulting | Mar-2025, Turnover: £15.7m, Trade Debtors: £2.3m, Debts: £1k, Net Assets: £420k |
| 20/01/2026 | JOB SOLUTIONS LTD | 9.4 yrs | South West | Personal services | Aug-2024, Debts: £42k, Net Assets: £374k, Staff: 90, Est PBT: £-67k |
| 13/01/2026 | DENIAL.LONDON LIMITED | 24.4 yrs | London | - | Mar-2025, Trade Debtors: £1.3m, Debts: £903k, Net Assets: £1.4m, Staff: 47 |
| 20/01/2026 | CLIMAR INDUSTRIES LIMITED | 24 yrs | Wales | Specialist construction | Mar-2025, Trade Debtors: £238k, Debts: £49k, Net Assets: £1.1m, Staff: 45 |
| 13/01/2026 | GAVIA ENVIRONMENTAL LTD | 13.2 yrs | Scotland | Other professional services | Dec-2024, Trade Debtors: £499k, Debts: £19k, Net Assets: £310k, Staff: 37 |