ABL + Invoice Finance
July 2025
11th in cohort
Optimum SME Finance
July 2025 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 11th.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 5 | 17 | 12 | 17 | +29% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Optimum SME Finance | 9.3 | £66k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Office & business support | 5 |
| Head offices & consultancy | 2 |
| Building construction | 2 |
| Land transport & logistics | 1 |
| Retail trade | 1 |
Top Regions
| Region | Count |
|---|---|
| London | 7 |
| North West | 3 |
| South East | 2 |
| South West | 2 |
| Yorkshire / Humber | 1 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 08/07/2025 | THE CLEARING CONSULTANCY | 15.5 yrs | London | - | Dec-2024, Trade Debtors: £409k, Debts: £112k, Net Assets: £706k, Staff: 23 |
| 29/07/2025 | DOGMA GROUP LTD. | 6.1 yrs | London | - | Aug-2024, Trade Debtors: £661k, Debts: £359k, Net Assets: £-111k, Staff: 4 |
| 21/07/2025 | SYMPHONY TEXTILES UK LTD | 7 yrs | North West | Retail trade | Aug-2025, Trade Debtors: £551k, Debts: £487k, Net Assets: £241k, Staff: 5 |
| 07/07/2025 | HYRA LIMITED | 4.2 yrs | South East | IT programming / consulting | May-2025, Trade Debtors: £497k, Debts: £59k, Net Assets: £-33k, Staff: 10 |
| 07/07/2025 | ROOF CARE | 365 yrs | LTD 1.7 South West | - | Oct-2024, Trade Debtors: £44k, Debts: £19k, Other debts: £19k, Net Assets: £-35k |
| 29/07/2025 | SIRIUS APPS LTD. | 6.5 yrs | London | Office & business support | Jul-2024, Trade Debtors: £179k, Debts: £7k, Net Assets: £1k, Staff: 5, Est PBT: £-8k |
| 29/07/2025 | DYNAMIC ADVANCED INSIGHTS | 6.5 yrs | London | Office & business support | Jul-2024, Trade Debtors: £67k, Net Assets: £0k, Staff: 6 |
| 08/07/2025 | THE CLEARING VENTURES LTD | 7.5 yrs | London | Office & business support | Dec-2024, Trade Debtors: £18k, Net Assets: £-2k, Est PBT: £2k |
| 28/07/2025 | SKRAP HQ LTD | 1.4 yrs | London | Information services | May-2025, Trade Debtors: £113k, Net Assets: £69k, Staff: 5, Est PBT: £57k |
| 30/07/2025 | MOBILE FLEET SUPPORT LTD | 19.1 yrs | East of England | Wholesale & retail trade | May-2024, Trade Debtors: £20k, Debts: £65k, Net Assets: £-29k, Staff: 5, Est PBT: £-37k |