Regional Summary
July 2025 - debentures across 12 regions
Debentures by region and lender category
| Region | High St | Challengers | Other banks | Property | ABL/IF | Total |
|---|---|---|---|---|---|---|
| London | 423 | 232 | 337 | 1,651 | 74 | 3,126 |
| South East | 504 | 201 | 146 | 1,485 | 109 | 2,797 |
| North West | 240 | 150 | 63 | 822 | 60 | 1,485 |
| Midlands | 283 | 115 | 52 | 626 | 93 | 1,311 |
| Yorkshire / Humber | 181 | 88 | 69 | 410 | 66 | 908 |
| Scotland | 174 | 101 | 49 | 353 | 28 | 765 |
| South West | 173 | 40 | 46 | 345 | 37 | 778 |
| East of England | 117 | 59 | 25 | 357 | 56 | 692 |
| East Midlands | 88 | 52 | 19 | 220 | 25 | 444 |
| Wales | 75 | 26 | 17 | 192 | 25 | 405 |
| North East | 54 | 43 | 22 | 185 | 18 | 358 |
| Northern Ireland | 30 | 1 | 40 | 36 | 6 | 130 |
Regional Detail
Top lenders and sectors by region
London
1stTop Lenders
- The Mortgage Works (160)
- HSBC (146)
- Barclays Bank (125)
- Onesavings Bank (115)
- Aldermore Bank (108)
- Lendinvest (107)
- Together Commercial Finance (93)
Top Sectors
- Real estate (1960)
- Financial services (249)
- Building construction (106)
- Office & business support (92)
- Food & beverage services (76)
- Unknown (63)
- Head offices & consultancy (54)
South East
2ndTop Lenders
- The Mortgage Works (248)
- HSBC (148)
- Barclays Bank (146)
- Natwest (123)
- Together Commercial Finance (120)
- Paragon Bank (113)
- Aldermore Bank (111)
Top Sectors
- Real estate (1670)
- Building construction (147)
- Financial services (141)
- Retail trade (71)
- Wholesale trade (56)
- Office & business support (54)
- Head offices & consultancy (53)
North West
3rdTop Lenders
- The Mortgage Works (121)
- Together Commercial Finance (112)
- Aldermore Bank (98)
- Barclays Bank (74)
- Natwest (73)
- HSBC (58)
- Paragon Bank (44)
Top Sectors
- Real estate (974)
- Financial services (65)
- Building construction (60)
- Retail trade (33)
- Wholesale trade (33)
- Specialist construction (26)
- Office & business support (21)
Midlands
4thTop Lenders
- The Mortgage Works (129)
- Together Commercial Finance (92)
- HSBC (84)
- Barclays Bank (77)
- Natwest (74)
- Aldermore Bank (72)
- Lloyds Bank (48)
Top Sectors
- Real estate (738)
- Financial services (70)
- Building construction (50)
- Retail trade (42)
- Wholesale trade (32)
- Specialist construction (30)
- Head offices & consultancy (26)
Top Lenders
- The Mortgage Works (81)
- HSBC (68)
- Natwest (63)
- Aldermore Bank (49)
- Together Commercial Finance (45)
- Paragon Bank (36)
- Kensington Mortgage Company (35)
Top Sectors
- Real estate (506)
- Financial services (58)
- Building construction (27)
- Office & business support (22)
- Retail trade (22)
- Specialist construction (21)
- Head offices & consultancy (20)
South West
6thTop Lenders
- Lloyds Bank (55)
- The Mortgage Works (51)
- Natwest (46)
- Barclays Bank (37)
- HSBC (35)
- Paragon Bank (33)
- Glas Trust (31)
Top Sectors
- Real estate (419)
- Financial services (52)
- Building construction (40)
- Employment services (23)
- Wholesale trade (19)
- Accommodation (18)
- Retail trade (17)
Scotland
7thTop Lenders
- The Mortgage Works (101)
- Together Commercial Finance (82)
- Natwest (74)
- Aldermore Bank (67)
- HSBC (48)
- Lendinvest (40)
- Paratus Amc (38)
Top Sectors
- Real estate (460)
- Building construction (24)
- Financial services (22)
- Food & beverage services (22)
- Retail trade (21)
- Specialist construction (21)
- Accommodation (20)
East of England
8thTop Lenders
- The Mortgage Works (76)
- Barclays Bank (38)
- Aldermore Bank (36)
- HSBC (32)
- Kensington Mortgage Company (31)
- Natwest (28)
- Paragon Bank (27)
Top Sectors
- Real estate (384)
- Financial services (49)
- Building construction (43)
- Retail trade (17)
- Accommodation (16)
- Office & business support (11)
- Wholesale & retail trade (11)
East Midlands
9thTop Lenders
- The Mortgage Works (42)
- Barclays Bank (33)
- HSBC (24)
- Aldermore Bank (24)
- Paragon Bank (23)
- Natwest (20)
- Together Commercial Finance (18)
Top Sectors
Wales
10thTop Lenders
- The Mortgage Works (42)
- Together Commercial Finance (27)
- Development Bank of Wales (26)
- Natwest (23)
- HSBC (23)
- Lloyds Bank (16)
- Paragon Bank (16)
Top Sectors
- Real estate (210)
- Building construction (20)
- Financial services (20)
- Head offices & consultancy (12)
- Retail trade (11)
- Human health (11)
- Specialist construction (10)
North East
11thTop Lenders
- The Mortgage Works (42)
- Aldermore Bank (32)
- Together Commercial Finance (23)
- Barclays Bank (22)
- Lloyds Bank (19)
- Paragon Bank (14)
- Onesavings Bank (10)
Top Sectors
- Real estate (228)
- Financial services (19)
- Building construction (13)
- Specialist construction (13)
- Wholesale trade (8)
- Retail trade (7)
- Unknown (6)
Northern Ireland
12thTop Lenders
- Danske Bank (22)
- Kensington Mortgage Company (21)
- Natwest (14)
- Bank of Ireland (11)
- Barclays Bank (10)
- Ortus Secured Finance (6)
- Close Brothers (5)
Top Sectors
- Real estate (45)
- Retail trade (12)
- Financial services (10)
- Building construction (8)
- Agriculture (7)
- Civil engineering (4)
- Residential care (3)