ABL + Invoice Finance
November 2025
5th in cohort
Optimum SME Finance
November 2025 debenture analysis for Optimum SME Finance. ABL + Invoice Finance cohort, ranked 5th.
November 2025 Debenture Activity
Year-over-year comparison of debenture registrations for November 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 7 | 8 | 17 | 23 | +26% |
Borrower Profile
Average borrower characteristics compared to cohort for November 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Optimum SME Finance | 9.3 | £66k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 4 |
| Financial services | 2 |
| Unknown | 2 |
| Building construction | 2 |
| Specialist construction | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 9 |
| London | 5 |
| Yorkshire / Humber | 3 |
| North West | 2 |
| East Midlands | 2 |
Notable New Debentures
Significant new debenture registrations in November 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 10/11/2025 | CED LIMITED | 66.6 yrs | South East | Wholesale trade | Dec-2024, Turnover: £13.3m, Trade Debtors: £1.8m, Debts: £379k, Net Assets: £3.4m |
| 25/11/2025 | AMW COURIER SERVICES | 6.7 yrs | Midlands | Postal & courier | Mar-2025, Trade Debtors: £550k, Debts: £129k, Net Assets: £8k, Staff: 8, Est PBT: £10k |
| 10/11/2025 | VERCROFT LIMITED | 26.6 yrs | South East | Wholesale trade | Dec-2024, Net Assets: £0k, Staff: 7, Est PBT: £-437k |
| 20/11/2025 | OPUS CARE GROUP LTD | 1.3 yrs | North West | Residential care | Mar-2025, Net Assets: £32k, Staff: 4, Est PBT: £56k |
| 17/11/2025 | DATACON PROJECT SERVICES | 10.7 yrs | South East | Head offices & consultancy | Mar-2025, Trade Debtors: £25k, Debts: £29k, Net Assets: £2k, Staff: 3, Est PBT: £56k |
| 10/11/2025 | GRANITE CONNECTION | 63 yrs | East Midlands | Retail trade | Dec-2024, Net Assets: £0k, Staff: 3, Est PBT: £464k |
| 03/11/2025 | SOLACE COFFEE CIC | 1.5 yrs | London | Education | May-2025, Turnover: £54k, Net Assets: £41k, Staff: 2, Est PBT: £15k |
| 03/11/2025 | GINJO CONSTRUCTION LIMITED | 4.8 yrs | London | Building construction | Feb-2025, Net Assets: £28k, Staff: 2, Est PBT: £-6k |
| 10/11/2025 | CED STONE GROUP LIMITED | 92.4 yrs | South East | Real estate | Dec-2024, Net Assets: £-17k, Staff: 2, Est PBT: £-302k |
| 10/11/2025 | TENOID LUBRICANTS LIMITED | 11.3 yrs | North West | Manufacturing (other) | Jul-2025, Net Assets: £0k, Staff: 1 |