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South East · Q3 2026 data

Business funding in Fareham

Fareham has 8,187 trading companies. 999 of them (12.2%) have secured borrowing registered at Companies House, below the South East at 13.7% and the UK at 14.0%.

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8,187trading companies
12.2%have secured borrowing
239new companies in Q3 2026
2.8%late filing accounts

How Fareham's sectors borrow

The biggest sectors in Fareham, 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 47%.

Retail1,964 companies
1%
Professional services939 companies
6%
Construction & trades770 companies
10%
Real estate & lettings765 companies
47%
Tech, media & telecoms621 companies
5%
Business support services410 companies
10%
Manufacturing341 companies
17%
Holding companies316 companies
31%

Older businesses borrow more

Lenders like a track record. In Fareham, 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 years1,986 companies
6%
2 to 5 years1,340 companies
11%
5 to 10 years1,657 companies
14%
10 to 20 years1,660 companies
14%
Over 20 years1,544 companies
17%

Who's lending in the South East

The 515 new lender charges we tracked against the South East 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
55%
Banks
15%
Specialist & alternative lenders
11%
Asset finance
1%
Invoice finance
0%

Funding that fits Fareham businesses

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

Elsewhere in the South East

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