ABL + Invoice Finance
July 2025
7th in cohort
Time Finance
July 2025 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 7th.
July 2025 Debenture Activity
Year-over-year comparison of debenture registrations for July 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 14 | 7 | 12 | 25 | +52% |
Borrower Profile
Average borrower characteristics compared to cohort for July 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Time Finance | 9.8 | £503k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Social work | 12 |
| Residential care | 2 |
| Wood products | 2 |
| Food & beverage services | 1 |
| Real estate | 1 |
Top Regions
| Region | Count |
|---|---|
| Midlands | 12 |
| North West | 3 |
| South East | 3 |
| East Midlands | 3 |
| London | 2 |
Notable New Debentures
Significant new debenture registrations in July 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 10/07/2025 | THERA TRUST | 27 yrs | East of England | Social work | Mar-2025, Turnover: £101.3m, Debts: £399k, Other debts: £11.4m, Net Assets: £10.6m |
| 02/07/2025 | TYRION SECURITY BIDCO | 11.2 yrs | North West | Financial services | Mar-2024, Turnover: £11.4m, Debts: £12.7m, Net Assets: £48.6m, Staff: 92 |
| 10/07/2025 | THERA EAST MIDLANDS | 19.8 yrs | Midlands | Social work | Mar-2025, Turnover: £18.8m, Trade Debtors: £45k, Net Assets: £-3.2m, Staff: 643 |
| 10/07/2025 | THERA EAST | 16.5 yrs | Midlands | Social work | Mar-2025, Turnover: £14.8m, Trade Debtors: £663k, Net Assets: £-905k, Staff: 474 |
| 10/07/2025 | THERA EAST ANGLIA | 19.8 yrs | Midlands | - | Mar-2025, Turnover: £13.8m, Trade Debtors: £54k, Net Assets: £0k, Staff: 425 |
| 10/07/2025 | ASPIRE LIVING LIMITED | 33.1 yrs | Midlands | Residential care | Mar-2025, Turnover: £11.4m, Trade Debtors: £1.6m, Net Assets: £905k, Staff: 390 |
| 10/07/2025 | THERA SOUTH WEST | 16.5 yrs | Midlands | Social work | Mar-2025, Turnover: £11.4m, Trade Debtors: £556k, Net Assets: £-819k, Staff: 342 |
| 10/07/2025 | THE CAMDEN SOCIETY | 30.4 yrs | Midlands | Social work | Mar-2025, Turnover: £8.5m, Trade Debtors: £176k, Net Assets: £-2.9m, Staff: 262 |
| 10/07/2025 | THERA NORTH | 20.5 yrs | Midlands | Social work | Mar-2025, Turnover: £7.0m, Trade Debtors: £485k, Net Assets: £-277k, Staff: 213 |
| 09/07/2025 | ANDREW PAUL FURNITURE | 15.5 yrs | East Midlands | Furniture manufacturing | Apr-2024, Turnover: £12.9m, Trade Debtors: £963k, Debts: £320k, Net Assets: £599k |