Regional Summary
December 2025 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 600 | 192 | 435 | 1,869 | 59 | 3,741 |
| South East | 563 | 235 | 220 | 1,777 | 113 | 3,191 |
| North West | 309 | 152 | 97 | 989 | 85 | 1,866 |
| Midlands | 281 | 123 | 62 | 759 | 53 | 1,513 |
| Yorkshire / Humber | 210 | 78 | 60 | 512 | 52 | 1,053 |
| Scotland | 184 | 108 | 39 | 434 | 14 | 880 |
| South West | 192 | 79 | 63 | 422 | 32 | 893 |
| East of England | 169 | 59 | 45 | 420 | 28 | 791 |
| East Midlands | 79 | 48 | 34 | 280 | 27 | 494 |
| Wales | 105 | 50 | 25 | 237 | 13 | 509 |
| North East | 93 | 41 | 18 | 216 | 12 | 406 |
| Northern Ireland | 32 | - | 95 | 56 | 10 | 224 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- HSBC (218)
- Lloyds Bank (169)
- The Mortgage Works (150)
- Lendinvest (139)
- Lendinvest (139)
- Onesavings Bank (118)
- Together Commercial Finance (118)
Top Sectors
- Real estate (2346)
- Financial services (323)
- Building construction (151)
- Office & business support (116)
- Office & business support (116)
- Food & beverage services (69)
- Retail trade (63)
South East
2ndTop Lenders
- The Mortgage Works (230)
- Barclays Bank (184)
- Lloyds Bank (177)
- Kensington Mortgage Company (166)
- Together Commercial Finance (134)
- HSBC (128)
- Paragon Bank (123)
Top Sectors
- Real estate (2067)
- Building construction (179)
- Financial services (151)
- Office & business support (59)
- Retail trade (57)
- Human health (49)
- Wholesale trade (48)
North West
3rdTop Lenders
- The Mortgage Works (151)
- Together Commercial Finance (139)
- Aldermore Bank (92)
- Lloyds Bank (92)
- Natwest (86)
- HSBC (78)
- Paragon Bank (75)
Top Sectors
- Real estate (1248)
- Financial services (96)
- Building construction (68)
- Retail trade (50)
- Specialist construction (32)
- Unknown (29)
- Wholesale trade (29)
Midlands
4thTop Lenders
- The Mortgage Works (136)
- Together Commercial Finance (93)
- RBS Invoice Finance (82)
- Lloyds Bank (76)
- Natwest (71)
- HSBC (69)
- Barclays Bank (65)
Top Sectors
- Real estate (894)
- Financial services (83)
- Employment services (76)
- Building construction (61)
- Head offices & consultancy (35)
- Specialist construction (29)
- Retail trade (23)
Top Lenders
- The Mortgage Works (107)
- Barclays Bank (58)
- Natwest (57)
- Lloyds Bank (57)
- Godiva Mortgages (48)
- Together Commercial Finance (47)
- HSBC (38)
Top Sectors
- Real estate (621)
- Financial services (72)
- Building construction (66)
- Retail trade (21)
- Unknown (20)
- Head offices & consultancy (19)
- Office & business support (17)
South West
6thTop Lenders
- Lloyds Bank (64)
- The Mortgage Works (59)
- Natwest (45)
- HSBC (42)
- Barclays Bank (41)
- Paragon Bank (34)
- Aldermore Bank (30)
Top Sectors
- Real estate (500)
- Building construction (63)
- Financial services (59)
- Agriculture (21)
- Retail trade (19)
- Specialist construction (18)
- Wholesale trade (16)
Scotland
7thTop Lenders
- The Mortgage Works (108)
- Together Commercial Finance (94)
- Lloyds Bank (66)
- Natwest (61)
- Paratus Amc (58)
- Aldermore Bank (54)
- Lendinvest (46)
Top Sectors
- Real estate (576)
- Building construction (29)
- Retail trade (27)
- Financial services (27)
- Accommodation (25)
- Office & business support (23)
- Agriculture (17)
East of England
8thTop Lenders
- The Mortgage Works (74)
- Lloyds Bank (55)
- Barclays Bank (42)
- Kensington Mortgage Company (41)
- HSBC (41)
- Natwest (31)
- Aldermore Bank (31)
Top Sectors
- Real estate (517)
- Financial services (47)
- Building construction (43)
- Retail trade (14)
- Wholesale & retail trade (13)
- Agriculture (13)
- Accommodation (11)
Wales
9thTop Lenders
- The Mortgage Works (32)
- Lloyds Bank (30)
- Barclays Bank (29)
- Aldermore Bank (27)
- Development Bank of Wales (27)
- Natwest (26)
- Together Commercial Finance (24)
Top Sectors
- Real estate (293)
- Building construction (31)
- Financial services (25)
- Accommodation (16)
- Wholesale trade (11)
- Unknown (10)
- Human health (9)
East Midlands
10thTop Lenders
- The Mortgage Works (43)
- Together Commercial Finance (32)
- Barclays Bank (27)
- Kensington Mortgage Company (23)
- Natwest (21)
- Aldermore Bank (21)
- Paragon Bank (16)
Top Sectors
- Real estate (326)
- Building construction (21)
- Financial services (19)
- Wholesale trade (17)
- Retail trade (15)
- Accommodation (10)
- Specialist construction (7)
North East
11thTop Lenders
- Lloyds Bank (43)
- The Mortgage Works (37)
- Together Commercial Finance (33)
- Barclays Bank (33)
- Aldermore Bank (31)
- Paragon Bank (20)
- Godiva Mortgages (15)
Top Sectors
- Real estate (267)
- Retail trade (20)
- Financial services (19)
- Building construction (16)
- Head offices & consultancy (8)
- Human health (6)
- Wholesale trade (5)
Northern Ireland
12thTop Lenders
- Danske Bank (36)
- Kensington Mortgage Company (34)
- Bank of Ireland (28)
- Natwest (15)
- Allied Irish Bank (10)
- Rabobank (8)
- Barclays Bank (8)
Top Sectors
- Real estate (81)
- Financial services (26)
- Retail trade (17)
- Building construction (17)
- Wholesale trade (8)
- Food & beverage services (8)
- Agriculture (7)