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Scotland · Q3 2026 data

Business funding in Dundee

Dundee has 6,963 trading companies. 1,073 of them (15.4%) have secured borrowing registered at Companies House, in line with Scotland at 15.3% and the UK at 14.0%.

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6,963trading companies
15.4%have secured borrowing
317new companies in Q3 2026
3.0%late filing accounts

How Dundee's sectors borrow

The biggest sectors in Dundee, 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 48%.

Real estate & lettings1,158 companies
48%
Construction & trades805 companies
8%
Professional services778 companies
7%
Retail554 companies
7%
Restaurants, pubs & cafes494 companies
4%
Business support services421 companies
11%
Haulage & logistics402 companies
2%
Tech, media & telecoms369 companies
6%

Older businesses borrow more

Lenders like a track record. In Dundee, 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.

Under 2 years2,303 companies
4%
2 to 5 years1,432 companies
11%
5 to 10 years1,446 companies
19%
10 to 20 years1,217 companies
21%
Over 20 years565 companies
49%

Who's lending in Scotland

The 477 new lender charges we tracked against Scotland 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.

Property, bridging & buy-to-let
64%
Specialist & alternative lenders
17%
Banks
8%
Asset finance
4%
Invoice finance
1%

Funding that fits Dundee businesses

Plain-English guides to the kinds of funding that suit Dundee's biggest sectors.

Elsewhere in Scotland

Source: every live company on the Companies House register at 2026-10-01, analysed by DueLead for its Q3 2026 Pulse report on Dundee. "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.