Regional Summary
January 2026 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 279 | 102 | 184 | 1,243 | 64 | 2,184 |
| South East | 386 | 143 | 111 | 1,059 | 92 | 2,005 |
| North West | 163 | 129 | 59 | 648 | 57 | 1,209 |
| Midlands | 187 | 70 | 47 | 505 | 41 | 948 |
| Yorkshire / Humber | 108 | 62 | 37 | 352 | 35 | 679 |
| Scotland | 104 | 89 | 34 | 334 | 23 | 625 |
| South West | 158 | 54 | 19 | 284 | 20 | 593 |
| East of England | 115 | 32 | 24 | 277 | 29 | 531 |
| East Midlands | 67 | 35 | 19 | 192 | 15 | 345 |
| Wales | 70 | 31 | 20 | 160 | 9 | 330 |
| North East | 35 | 31 | 8 | 135 | 9 | 252 |
| Northern Ireland | 17 | - | 35 | 28 | 18 | 127 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (125)
- Onesavings Bank (105)
- HSBC (102)
- Together Commercial Finance (99)
- Together Commercial Finance (99)
- Lendinvest (73)
- Fleet Mortgages (66)
Top Sectors
- Real estate (1459)
- Financial services (172)
- Building construction (94)
- Office & business support (50)
- Office & business support (50)
- IT programming / consulting (40)
- Retail trade (26)
South East
2ndTop Lenders
- The Mortgage Works (192)
- Barclays Bank (143)
- Together Commercial Finance (103)
- Natwest (94)
- Lloyds Bank (80)
- Kensington Mortgage Company (75)
- Paragon Bank (73)
Top Sectors
- Real estate (1226)
- Building construction (103)
- Financial services (94)
- Retail trade (53)
- Specialist construction (39)
- Residential care (38)
- Wholesale trade (34)
North West
3rdTop Lenders
- Together Commercial Finance (118)
- The Mortgage Works (116)
- Aldermore Bank (77)
- Barclays Bank (52)
- Natwest (45)
- Shawbrook Bank (37)
- Paragon Bank (35)
Top Sectors
- Real estate (790)
- Financial services (69)
- Building construction (46)
- Wholesale trade (21)
- Specialist construction (19)
- Accommodation (18)
- Office & business support (17)
Midlands
4thTop Lenders
- The Mortgage Works (107)
- Together Commercial Finance (80)
- Barclays Bank (70)
- Natwest (44)
- Aldermore Bank (39)
- Lloyds Bank (37)
- HSBC (36)
Top Sectors
- Real estate (610)
- Financial services (42)
- Retail trade (39)
- Building construction (27)
- Residential care (24)
- Wholesale trade (17)
- Specialist construction (13)
Top Lenders
- The Mortgage Works (81)
- Together Commercial Finance (46)
- Aldermore Bank (34)
- Barclays Bank (32)
- Natwest (30)
- Paragon Bank (27)
- Lloyds Bank (26)
Top Sectors
- Real estate (422)
- Building construction (39)
- Financial services (32)
- Specialist construction (18)
- Food & beverage services (13)
- Retail trade (12)
- Unknown (10)
Scotland
6thTop Lenders
- Together Commercial Finance (107)
- The Mortgage Works (88)
- Aldermore Bank (57)
- Paratus Amc (45)
- Natwest (32)
- HSBC (32)
- Lendinvest (27)
Top Sectors
- Real estate (393)
- Building construction (27)
- Accommodation (19)
- Specialist construction (14)
- Human health (14)
- Financial services (14)
- Retail trade (13)
South West
7thTop Lenders
- Natwest (65)
- Lloyds Bank (39)
- The Mortgage Works (35)
- Together Commercial Finance (31)
- Barclays Bank (28)
- HSBC (26)
- Paragon Bank (25)
Top Sectors
- Real estate (310)
- Building construction (52)
- Financial services (34)
- Education (14)
- Wholesale trade (13)
- Specialist construction (13)
- Food & beverage services (12)
East of England
8thTop Lenders
- The Mortgage Works (76)
- Barclays Bank (44)
- Kensington Mortgage Company (28)
- Together Commercial Finance (26)
- Lloyds Bank (25)
- HSBC (24)
- Natwest (22)
Top Sectors
- Real estate (316)
- Building construction (35)
- Financial services (23)
- Wholesale trade (12)
- Employment services (10)
- Retail trade (10)
- Agriculture (9)
East Midlands
9thTop Lenders
- The Mortgage Works (42)
- Aldermore Bank (30)
- Barclays Bank (29)
- Together Commercial Finance (26)
- Natwest (18)
- Lloyds Bank (14)
- Paragon Bank (12)
Top Sectors
- Real estate (236)
- Financial services (17)
- Building construction (13)
- Wholesale trade (11)
- Fabricated metal products (7)
- Specialist construction (6)
- Unknown (4)
Wales
10thTop Lenders
- The Mortgage Works (31)
- Barclays Bank (25)
- Together Commercial Finance (23)
- Aldermore Bank (20)
- HSBC (18)
- Natwest (14)
- Lloyds Bank (13)
Top Sectors
North East
11thTop Lenders
- Aldermore Bank (26)
- The Mortgage Works (24)
- Together Commercial Finance (23)
- Paragon Bank (16)
- Kensington Mortgage Company (10)
- Lloyds Bank (10)
- Natwest (9)
Top Sectors
Northern Ireland
12thTop Lenders
- Danske Bank (24)
- Kensington Mortgage Company (19)
- Upstream Working Capital (16)
- NI Growth (15)
- Natwest (8)
- HSBC (8)
- Bank of Ireland (5)
Top Sectors
- Real estate (38)
- Wholesale trade (22)
- Financial services (14)
- Building construction (10)
- Unknown (6)
- Office & business support (5)
- Agriculture (4)