ABL + Invoice Finance January 2026 16th in cohort

Time Finance

January 2026 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 16th.

January 2026 Debenture Activity

Year-over-year comparison of debenture registrations for January 2026

Year 2023202420252026 Chg YoY
Debentures 620198 -11 -58%

Borrower Profile

Average borrower characteristics compared to cohort for January 2026

Avg age (yrs)Avg net assets
Time Finance6.8£523k
Cohort average10.1£708k

Top Sectors

SectorCount
Wholesale trade3
Head offices & consultancy1
Personal services1
Financial services1
Retail trade1

Top Regions

RegionCount
South West2
South East2
North West2
North East1
East of England1

Notable New Debentures

Significant new debenture registrations in January 2026

DateBusinessBus. ageRegionSectorFinancials
28/01/2026SO SWEET ONLINE LIMITED5.8 yrsSouth WestRetail tradeDec-2024, Net Assets: £209k, Est PBT: £47k
23/01/2026PENDEFORD HOUSEWARES5.8 yrsNorth East-Dec-2024, Trade Debtors: £377k, Debts: £339k, Net Assets: £-175k, Staff: 9
19/01/2026BRIGHT NAILS LIMITED26.7 yrsEast of EnglandWholesale tradeApr-2025, Net Assets: £1.2m, Staff: 8, Est PBT: £26k
20/01/2026CHL MECHANICAL SERVICES2.5 yrsNorth WestPersonal servicesJul-2025, Trade Debtors: £249k, Net Assets: £169k, Staff: 7, Est PBT: £98k
23/01/2026RACSO LIFTING SERVICES2.7 yrsNorth WestSpecialist constructionMay-2025, Net Assets: £17k, Staff: 1, Est PBT: £20k
05/01/2026JC GLOBAL CONSULTING LTD0.4 yrsSouth East 0 Head offices & consultancy--
19/01/2026ATRIO HOLDINGS LTD1 yrsSouth East 0 Financial services--
28/01/2026SO SWEET DIRECT LIMITED1.3 yrsSouth West 0 Wholesale trade--

Other Monthly Reports

January 2025 February 2025 March 2025 April 2025 May 2025 June 2025 July 2025 August 2025 September 2025 October 2025 November 2025 December 2025 February 2026 March 2026
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