Business funding in Birmingham
Birmingham has 71,221 trading companies. 8,673 of them (12.2%) have secured borrowing registered at Companies House, below the West Midlands at 14.4% and the UK at 14.0%.
Tell Lending Lenny what you need in two minutes. One specialist broker, no credit check to start.
Check what you can getHow Birmingham's sectors borrow
The biggest sectors in Birmingham, and the share of companies in each with a lender's charge registered against them. Real estate & lettings borrows most against its assets here, at 38%.
Older businesses borrow more
Lenders like a track record. In Birmingham, the share of companies with secured borrowing climbs with age, which is why a young business often starts with asset finance or a smaller unsecured loan.
Who's lending in the West Midlands
The 362 new lender charges we tracked against the West Midlands companies in Q3 2026, by type of lender. Property, bridging & buy-to-let made up the largest share, as most mortgages on company-owned property are registered as charges.
Funding that fits Birmingham businesses
Plain-English guides to the kinds of funding that suit Birmingham's biggest sectors.
Elsewhere in the West Midlands
Source: every live company on the Companies House register at 2026-10-01, analysed by DueLead for its Q3 2026 Pulse report on Birmingham. "Secured borrowing" means at least one outstanding charge, a lender's security registered at Companies House, so unsecured loans and overdrafts don't show. Trading companies means active limited companies, LLPs and PLCs, excluding dormant companies, financial services firms and public bodies. Sole traders aren't on the register, so they aren't counted.