High Street IF
August 2025
3rd in cohort
RBS Invoice Finance
August 2025 debenture analysis for RBS Invoice Finance. High Street IF cohort, ranked 3rd.
August 2025 Debenture Activity
Year-over-year comparison of debenture registrations for August 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 185 | 487 | 219 | 259 | +15% |
Borrower Profile
Average borrower characteristics compared to cohort for August 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| RBS Invoice Finance | 18.9 | £3.0m |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Wholesale trade | 4 |
| Land transport & logistics | 3 |
| Fabricated metal products | 2 |
| Repair / installation | 2 |
| Specialist construction | 2 |
Top Regions
| Region | Count |
|---|---|
| East Midlands | 5 |
| South East | 5 |
| Midlands | 3 |
| Yorkshire / Humber | 3 |
| East of England | 3 |
Notable New Debentures
Significant new debenture registrations in August 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 01/08/2025 | ECAPITAL COMMERCIAL | 8.7 yrs | South West | Financial services | Dec-2024, Turnover: £7.8m, Trade Debtors: £35.2m, Other debts: £18.7m |
| 26/08/2025 | EAST MIDLANDS CROSSROADS- | 29.8 yrs | East Midlands | Social work | Mar-2025, Turnover: £12.3m, Net Assets: £609k, Staff: 441, Est PBT: £-103k |
| 08/08/2025 | MACDUFF SHELLFISH | 37.9 yrs | Scotland | - | Dec-2023, Turnover: £62.0m, Trade Debtors: £3.4m, Debts: £3.7m, Net Assets: £20.3m |
| 04/08/2025 | INTERMOTOR HOLDINGS | 10.4 yrs | East Midlands | - | Dec-2024, Turnover: £37.0m, Trade Debtors: £6.7m, Debts: £2.9m, Other debts: £4.1m |
| 04/08/2025 | INTERMOTOR GROUP LIMITED | 56.2 yrs | East Midlands | Automotive manufacturing | Dec-2024, Turnover: £37.0m, Trade Debtors: £6.7m, Debts: £292k, Net Assets: £9.1m |
| 18/08/2025 | MARITIME ASSET SECURITY | 20.3 yrs | London | Security services | Dec-2024, Trade Debtors: £964k, Debts: £259k, Net Assets: £466k, Staff: 134 |
| 05/08/2025 | THE POLLEN PARTNERSHIP | 7.2 yrs | South East | Food & beverage services | Aug-2025, Trade Debtors: £144k, Debts: £12k, Net Assets: £5k, Staff: 90, Est PBT: £159k |
| 05/08/2025 | ROBERT TODD & SON LIMITED | 25.1 yrs | East Midlands | Wholesale trade | Oct-2024, Trade Debtors: £2.0m, Net Assets: £495k, Staff: 23, Est PBT: £26k |
| 14/08/2025 | ONE TO ONE PERSONNEL | 20.7 yrs | South East | - | Dec-2024, Trade Debtors: £134k, Debts: £34k, Net Assets: £-89k, Staff: 46 |
| 14/08/2025 | CPJ ENVIRONMENTAL | 24.2 yrs | Midlands | Specialist construction | Jul-2024, Trade Debtors: £808k, Debts: £170k, Net Assets: £2.6m, Staff: 18 |