Business funding in Edinburgh
Edinburgh has 27,955 trading companies. 4,090 of them (14.6%) have secured borrowing registered at Companies House, below Scotland at 15.3% and the UK at 14.0%.
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Check what you can getHow Edinburgh's sectors borrow
The biggest sectors in Edinburgh, 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 45%.
Older businesses borrow more
Lenders like a track record. In Edinburgh, 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 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.
Funding that fits Edinburgh businesses
Plain-English guides to the kinds of funding that suit Edinburgh'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 Edinburgh. "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.