High Street IF
May 2025
2nd in cohort
RBS Invoice Finance
May 2025 debenture analysis for RBS Invoice Finance. High Street IF cohort, ranked 2nd.
May 2025 Debenture Activity
Year-over-year comparison of debenture registrations for May 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 29 | 71 | 23 | 30 | +23% |
Borrower Profile
Average borrower characteristics compared to cohort for May 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| RBS Invoice Finance | 18.9 | £3.0m |
| Cohort average | 18.8 | £4.7m |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 5 |
| Employment services | 4 |
| Wholesale trade | 4 |
| Specialist construction | 2 |
| Food manufacturing | 2 |
Top Regions
| Region | Count |
|---|---|
| South East | 10 |
| North West | 5 |
| London | 5 |
| Yorkshire / Humber | 3 |
| Midlands | 3 |
Notable New Debentures
Significant new debenture registrations in May 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 01/05/2025 | ECAPITAL COMMERCIAL | 24 yrs | South East | Financial services | Dec-2024, Turnover: £27.8m, Trade Debtors: £85.2m, Debts: £62.7m |
| 23/05/2025 | PETS CHOICE LIMITED | 37.6 yrs | South East | Food manufacturing | Dec-2024, Turnover: £112.6m, Trade Debtors: £20.4m, Debts: £5.8m |
| 29/05/2025 | GVAV LIMITED | 24.4 yrs | London | - | Mar-2025, Turnover: £61.5m, Trade Debtors: £6.5m, Net Assets: £4.0m, Staff: 159 |
| 08/05/2025 | JARROBS LIMITED | 48.5 yrs | Midlands | Fabricated metal products | Jan-2025, Turnover: £20.1m, Trade Debtors: £7.6m, Debts: £1.3m, Net Assets: £3.2m |
| 06/05/2025 | PROSAPIENT LIMITED | 8.1 yrs | London | Advertising & market research | Dec-2024, Turnover: £33.1m, Trade Debtors: £3.9m, Other debts: £1.5m |
| 29/05/2025 | SPECIALIST TRAILER HIRE | 26.5 yrs | Yorkshire / | Rental & leasing | Mar-2024, Trade Debtors: £1.6m, Debts: £14.8m, Other debts: £162k |
| 13/05/2025 | GUARDIAN SELECTION LIMITED | 24.9 yrs | South East | Employment services | Dec-2024, Turnover: £24.2m, Trade Debtors: £2.2m, Net Assets: £2.4m, Staff: 62 |
| 14/05/2025 | CARYSIL UK LTD | 10.6 yrs | North West | Wholesale trade | Mar-2025, Other debts: £4.3m, Net Assets: £12.2m, Staff: 4, Est PBT: £3.9m |
| 08/05/2025 | WARACLE LIMITED | 17.9 yrs | Scotland | IT programming / consulting | Dec-2024, Turnover: £15.3m, Trade Debtors: £3.8m, Debts: £483k, Net Assets: £4.4m |