ABL + Invoice Finance
September 2025
16th in cohort
Time Finance
September 2025 debenture analysis for Time Finance. ABL + Invoice Finance cohort, ranked 16th.
September 2025 Debenture Activity
Year-over-year comparison of debenture registrations for September 2025
| Year | 2022 | 2023 | 2024 | 2025 | YoY |
|---|---|---|---|---|---|
| Debentures | 14 | 15 | 18 | 11 | -64% |
Borrower Profile
Average borrower characteristics compared to cohort for September 2025
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Time Finance | 9.8 | £503k |
| Cohort average | 10.5 | £891k |
Top Sectors
| Sector | Count |
|---|---|
| Financial services | 2 |
| Building construction | 2 |
| Head offices & consultancy | 1 |
| Unknown | 1 |
| Chemicals | 1 |
Top Regions
| Region | Count |
|---|---|
| South East | 4 |
| South West | 2 |
| East of England | 2 |
| Midlands | 1 |
| London | 1 |
Notable New Debentures
Significant new debenture registrations in September 2025
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 09/09/2025 | TEACH LINCS LTD | 7.8 yrs | Yorkshire / | Education | Aug-2024, Net Assets: £88k, Staff: 50, Est PBT: £9k |
| 22/09/2025 | BAHOMA LIMITED | 19.5 yrs | London | Chemicals | Mar-2025, Trade Debtors: £178k, Debts: £28k, Net Assets: £348k, Staff: 12 |
| 26/09/2025 | N.I PALLETS LIMITED | 11.4 yrs | South East | Personal services | Apr-2025, Net Assets: £-437k, Staff: 9, Est PBT: £-25k |
| 08/09/2025 | 3A MANUFACTURING LTD | 23.7 yrs | South West | Rubber & plastics | Aug-2025, Net Assets: £188k, Staff: 9, Est PBT: £-322k |
| 30/09/2025 | MAINSTREAM GRANITE | 11.7 yrs | East of England | Building construction | Dec-2024, Trade Debtors: £196k, Debts: £15k, Other debts: £263k, Net Assets: £79k |
| 26/09/2025 | MAINSTREAM PROJECTS | 1.5 yrs | East of England | Building construction | Dec-2024, Net Assets: £23k, Staff: 2, Est PBT: £0k |
| 26/09/2025 | MAINSTREAM TRANSPORT AND | 1.5 yrs | South East | Land transport & logistics | Dec-2024, Net Assets: £-2k, Staff: 2, Est PBT: £0k |
| 30/09/2025 | DELTAIR LIMITED | 10.4 yrs | South East | Unknown | May-2025, Net Assets: £0k, Staff: 2 |
| 08/09/2025 | 3A UK HOLDINGS LTD | 0.1 yrs | South East 0 Head offices & consultancy | - | - |
| 08/09/2025 | LAMBERT COMPANY | 0.2 yrs | South West 0 Financial services INVESTMENTS LTD | - | - |