Lender Cohorts
January 2026 - 123 lenders across 8 cohorts
High Street BankHigh Street IFChallenger banksOther banksProperty SpecialistABL + Invoice FinanceLoan providersAsset Finance
High Street Bank
4 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Barclays Bank | 316 | 337 | 450 | 528 | +78 | +17% |
| Natwest | 282 | 326 | 281 | 428 | +147 | +52% |
| HSBC | 355 | 586 | 350 | 382 | +32 | +9% |
| Lloyds Bank | 283 | 324 | 378 | 351 | -27 | -7% |
High Street IF
3 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| RBS Invoice Finance | 40 | 19 | 24 | 36 | +12 | +50% |
| HSBC Invoice Finance | 15 | 19 | 21 | 29 | +8 | +38% |
| Lloyds Commercial Finance | 32 | 26 | 46 | 24 | -22 | -48% |
Challenger banks
6 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Aldermore Bank | 229 | 334 | 522 | 432 | -90 | -17% |
| Shawbrook Bank | 244 | 143 | 216 | 161 | -55 | -25% |
| Allica Bank | 61 | 92 | 84 | 98 | +14 | +17% |
| Atom bank | 4 | 18 | 25 | 45 | +20 | +80% |
| Oxbury Bank | 9 | 8 | 11 | 21 | +10 | +91% |
| Oaknorth | 15 | 43 | 36 | 13 | -23 | -64% |
Other banks
41 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Handlesbanken | 85 | 58 | 72 | 83 | +11 | +15% |
| Metro Bank | 13 | 17 | 86 | 44 | -42 | -49% |
| United Trust Bank | 26 | 22 | 33 | 42 | +9 | +27% |
| Investec | 14 | 66 | 22 | 34 | +12 | +55% |
| Danske Bank | 10 | 12 | 21 | 27 | +6 | +29% |
| Santander | 73 | 61 | 34 | 27 | -7 | -21% |
| Cambridge & Counties Bank | 7 | 7 | 10 | 26 | +16 | +160% |
| Bank Trustees | 20 | 23 | 32 | 21 | -11 | -34% |
Property Specialist
40 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| The Mortgage Works | 608 | 432 | 749 | 917 | +168 | +22% |
| Together Commercial Finance | 287 | 435 | 463 | 682 | +219 | +47% |
| Kensington Mortgage Company | 62 | 82 | 235 | 326 | +91 | +39% |
| Paragon Bank | 481 | 294 | 432 | 325 | -107 | -25% |
| Fleet Mortgages | 263 | 153 | 197 | 250 | +53 | +27% |
| Paratus Amc | 190 | 80 | 201 | 236 | +35 | +17% |
| Lendinvest | 52 | 100 | 243 | 219 | -24 | -10% |
| The Mortgage Lender | 120 | 107 | 110 | 178 | +68 | +62% |
ABL + Invoice Finance
24 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Close Brothers | 57 | 47 | 68 | 51 | -17 | -25% |
| Bibby Finance | 40 | 60 | 31 | 47 | +16 | +52% |
| Capital Commercial Finance | 26 | 35 | 27 | 30 | +3 | +11% |
| SYTE | 6 | 11 | 12 | 29 | +17 | +142% |
| Sonovate | 3 | 9 | 3 | 25 | +22 | +733% |
| Apollo Business Finance | 7 | 13 | 10 | 22 | +12 | +120% |
| Team Factors | 12 | 16 | 12 | 17 | +5 | +42% |
| Upstream Working Capital | - | - | - | 16 | +16 | +100% |
Loan providers
3 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Bizcap | - | - | 34 | 91 | +57 | +168% |
| CubeFunder | 3 | 22 | 20 | 21 | +1 | +5% |
| Simply Funded | - | - | 14 | 7 | -7 | -50% |
Asset Finance
2 lenders
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| Lender | 2023 | 2024 | 2025 | 2026 | Chg | YoY |
|---|---|---|---|---|---|---|
| Lombard | 10 | 13 | 11 | 10 | -1 | -9% |
| HSBC Asset / Equipment Finance | 9 | 4 | 5 | 4 | -1 | -20% |