High Street IF
July 2025
2nd in cohort
Lloyds Commercial Finance
July 2025 debenture analysis for Lloyds Commercial Finance. High Street IF cohort, ranked 2nd.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 44 | 42 | 69 | 25 | -176% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Lloyds Commercial Finance | 13.9 | £908k |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Specialist construction | 7 |
| IT programming / consulting | 3 |
| Financial services | 2 |
| Waste management | 2 |
| Land transport & logistics | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 11 |
| North West | 3 |
| Midlands | 3 |
| South West | 2 |
| London | 1 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 15/07/2025 | MIDLAND ROCK (LEICESTER) | 18.1 yrs | East Midlands | Land transport & logistics | May-2025, Turnover: £23.5m, Trade Debtors: £5.4m, Debts: £757k |
| 28/07/2025 | ZAUN GROUP LIMITED | 2.7 yrs | Midlands | Financial services | Dec-2024, Turnover: £13.0m, Trade Debtors: £1.7m, Debts: £2.6m, Net Assets: £4.4m |
| 15/07/2025 | IMPACT REPAIR CENTRE | 38.6 yrs | Midlands | - | Apr-2025, Trade Debtors: £1.1m, Debts: £340k, Net Assets: £642k, Staff: 75 |
| 03/07/2025 | STERLING PLASTERING LIMITED | 8.7 yrs | North West | Specialist construction | Mar-2025, Trade Debtors: £2.0m, Debts: £282k, Other debts: £450k |
| 10/07/2025 | RETROFLO LIMITED | 17.7 yrs | North East | Specialist construction | Apr-2025, Turnover: £8.6m, Net Assets: £965k, Staff: 47, Est PBT: £965k |
| 03/07/2025 | MANNASOL PRODUCTS | 23 yrs | North West | Food manufacturing | Dec-2024, Trade Debtors: £1.2m, Net Assets: £637k, Staff: 19, Est PBT: £-49k |
| 21/07/2025 | SHIRE TOILET HIRE LIMITED | 10.3 yrs | East of England | Rental & leasing | Apr-2025, Trade Debtors: £439k, Debts: £1.3m, Net Assets: £2.2m, Staff: 17 |
| 03/07/2025 | DBSJ LIMITED | 14.2 yrs | South East | Specialist construction | Apr-2025, Trade Debtors: £749k, Debts: £41k, Net Assets: £1.4m, Staff: 18 |
| 10/07/2025 | ARMINHALL ENGINEERING | 42.9 yrs | South East | Fabricated metal products | Sep-2024, Trade Debtors: £162k, Debts: £211k, Other debts: £29k, Net Assets: £342k |
| 15/07/2025 | SYSTEM FIVE SERVICES | 18.9 yrs | South East | Specialist construction | Dec-2024, Trade Debtors: £566k, Debts: £32k, Net Assets: £726k, Staff: 22 |