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Scotland · Q3 2026 data

Business funding in Glasgow

Glasgow has 53,178 trading companies. 7,199 of them (13.5%) have secured borrowing registered at Companies House, below Scotland at 15.3% and the UK at 14.0%.

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53,178trading companies
13.5%have secured borrowing
2,706new companies in Q3 2026
4.5%late filing accounts

How Glasgow's sectors borrow

The biggest sectors in Glasgow, 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 42%.

Real estate & lettings7,644 companies
42%
Professional services6,322 companies
6%
Retail5,373 companies
6%
Construction & trades4,894 companies
8%
Restaurants, pubs & cafes4,126 companies
7%
Tech, media & telecoms4,101 companies
4%
Business support services3,027 companies
11%
Personal services2,680 companies
5%

Older businesses borrow more

Lenders like a track record. In Glasgow, 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 years18,050 companies
4%
2 to 5 years11,363 companies
12%
5 to 10 years10,625 companies
14%
10 to 20 years8,817 companies
19%
Over 20 years4,323 companies
42%

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 Glasgow businesses

Plain-English guides to the kinds of funding that suit Glasgow'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 Glasgow. "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.