ABL + Invoice Finance
October 2025
10th in cohort
Time Finance
October 2025 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 10th.
October 2025 Debenture Activity
Year-over-year comparison of debenture registrations for October 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 11 | 7 | 8 | 18 | +56% |
Borrower Profile
Average borrower characteristics compared to cohort for October 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Time Finance | 9.8 | £503k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Land transport & logistics | 4 |
| Wholesale trade | 2 |
| Specialist construction | 2 |
| Education | 1 |
| Wholesale & retail trade | 1 |
Top Regions
| Region | Count |
|---|---|
| North West | 7 |
| Yorkshire / Humber | 5 |
| East of England | 3 |
| South East | 2 |
| South West | 1 |
Notable New Debentures
Significant new debenture registrations in October 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 31/10/2025 | INVEVO LIMITED | 5.8 yrs | North West | IT programming / consulting | Dec-2024, Trade Debtors: £890k, Debts: £500k, Net Assets: £4.4m, Staff: 5 |
| 01/10/2025 | EDEN HOUSE DAY NURSERY | 2.8 yrs | East of England | - | Jun-2025, Trade Debtors: £247k, Debts: £108k, Net Assets: £110k, Staff: 33 |
| 16/10/2025 | FAIRVIEW CARE & SUPPORT | 4.6 yrs | North West | Residential care | Jun-2024, Net Assets: £27k, Staff: 30, Est PBT: £-159k |
| 21/10/2025 | LA LUCCA SPANISH CLEANING | 5.8 yrs | North West | Wholesale trade | Jan-2025, Trade Debtors: £21k, Net Assets: £596k, Staff: 14, Est PBT: £403k |
| 22/10/2025 | MEADOWBANK COATINGS | 3 yrs | Yorkshire / | Specialist construction | Oct-2024, Net Assets: £94k, Staff: 8, Est PBT: £109k |
| 01/10/2025 | BRASON TRANSPORT LIMITED | 16.6 yrs | Yorkshire / | Land transport & logistics | Feb-2025, Net Assets: £-33k, Staff: 8, Est PBT: £-12k |
| 08/10/2025 | SKY VISION SURVEYS LTD | 8.9 yrs | South East | Office & business support | Apr-2025, Net Assets: £0k, Staff: 4, Est PBT: £0k |
| 29/10/2025 | DETECT & PROTECT LIMITED | 1.6 yrs | North West | Other professional services | Mar-2025, Net Assets: £-218k, Staff: 3 |
| 02/10/2025 | BB FREIGHT LTD | 11.8 yrs | Yorkshire / | Land transport & logistics | Jun-2025, Net Assets: £0k, Staff: 1 |
| 20/10/2025 | POLESTAR COMMERCIALS | 2 yrs | East of England | Wholesale & retail trade | Oct-2024, Net Assets: £-17k, Est PBT: £-21k |