Property Specialist
January 2026
2nd in cohort
Together Commercial Finance
January 2026 debenture analysis for Together Commercial Finance. Property Specialist cohort, ranked 2nd.
January 2026 Debenture Activity
Year-over-year comparison of debenture registrations for January 2026
| Year | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Debentures | 287 | 435 | 463 | 682 | +219 | +47% |
Borrower Profile
Average borrower characteristics compared to cohort for January 2026
| Avg age (yrs) | Avg net assets | |
|---|---|---|
| Together Commercial Finance | 4.3 | £284k |
| Cohort average | 4.5 | £378k |
Top Sectors
| Sector | Count |
|---|---|
| Real estate | 565 |
| Building construction | 47 |
| Financial services | 15 |
| Accommodation | 8 |
| Personal services | 6 |
Top Regions
| Region | Count |
|---|---|
| North West | 118 |
| Scotland | 107 |
| South East | 103 |
| London | 99 |
| Midlands | 80 |
Notable New Debentures
Significant new debenture registrations in January 2026
| Date | Business | Bus. age | Region | Sector | Financials |
|---|---|---|---|---|---|
| 16/01/2026 | SEASHELL TRUST | 24.7 yrs | North West | Education | Aug-2025, Turnover: £26.7m, Net Assets: £61.7m, Staff: 667, Est PBT: £-737k |
| 14/01/2026 | FRASER FAMILY INVESCO | 3.5 yrs | North West | Real estate | Mar-2025, Debts: £2.3m, Net Assets: £2.0m, Staff: 2, Est PBT: £-172k |
| 30/01/2026 | STUDENT SHACK LIMITED | 21.9 yrs | North West | Real estate | Mar-2025, Debts: £12k, Other debts: £30.0m, Net Assets: £6.2m, Staff: 1, Est PBT: £152k |
| 09/01/2026 | ASUS INVESTMENTS LTD | 9.2 yrs | London | Real estate | Dec-2024, Turnover: £52.8m, Trade Debtors: £42k, Other debts: £15.2m |
| 14/01/2026 | FRASER TRADECO LIMITED | 2.8 yrs | North West | Financial services | Mar-2025, Net Assets: £6.7m, Staff: 2, Est PBT: £5.2m |
| 08/01/2026 | BELL GREEN LIMITED | 10.9 yrs | South East | Real estate | Jan-2025, Trade Debtors: £162k, Debts: £16.4m, Net Assets: £14.5m, Staff: 6 |
| 07/01/2026 | LINC CAPITAL LIMITED | 9.1 yrs | South West | Financial services | Nov-2024, Turnover: £28.3m, Trade Debtors: £4k, Debts: £4.5m, Net Assets: £7.4m |
| 14/01/2026 | MAM | 32 yrs | LIMITED 10.2 North West | Financial services | Mar-2025, Net Assets: £4.8m, Staff: 4, Est PBT: £1.8m |
| 08/01/2026 | WEST VIEW PARK HOMES LTD | 8.6 yrs | Scotland | Real estate | Jun-2025, Net Assets: £2.5m, Staff: 3, Est PBT: £911k |
| 12/01/2026 | UPSTIX TECHNOLOGIES LTD | 4.9 yrs | Midlands | Real estate | Sep-2024, Turnover: £17.8m, Trade Debtors: £7k, Other debts: £14.0m |