UK Lending Research
Analysis of SME lending debentures registered at Companies House across the UK. Reports cover challenger banks, asset-based lending and invoice finance providers, SME loan specialists, and property-focused lenders.
Annual reports
SME Lending Reports
SME Lending Report 2024
+21% uplift in total debentures. Challenger banks surge with Aldermore +116%, Allica +50%, and Atom +91%. Loan specialists up +162%.
SME Lending Report 2023
-13% decline driven by property-led slowdown. Challengers contract -4%, but SME loan providers surge +87% and R&D lending rises +79%.
About this research
Spark Intel’s UK lending research tracks new debentures registered at Companies House across the SME finance market. The data covers activity from challenger banks, asset-based and invoice finance providers, SME loan specialists, property-focused lenders, and other categories.
Reports provide market-level breakdowns including total and new-to-lender debentures, average SME debt analysis, lender-level tables, and financial statement mention analysis. Each report includes methodology and data source documentation.
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