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South West · Q3 2026 data

Business funding in Gloucester

Gloucester has 8,035 trading companies. 1,169 of them (14.5%) have secured borrowing registered at Companies House, below the South West at 15.4% and the UK at 14.0%.

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8,035trading companies
14.5%have secured borrowing
338new companies in Q3 2026
2.8%late filing accounts

How Gloucester's sectors borrow

The biggest sectors in Gloucester, 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%.

Real estate & lettings937 companies
45%
Construction & trades926 companies
8%
Professional services898 companies
8%
Tech, media & telecoms675 companies
3%
Retail632 companies
7%
Business support services502 companies
7%
Restaurants, pubs & cafes419 companies
10%
Manufacturing397 companies
20%

Older businesses borrow more

Lenders like a track record. In Gloucester, 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 years2,287 companies
4%
2 to 5 years1,608 companies
11%
5 to 10 years1,758 companies
16%
10 to 20 years1,538 companies
19%
Over 20 years844 companies
39%

Who's lending in the South West

The 172 new lender charges we tracked against the South West 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
40%
Specialist & alternative lenders
19%
Banks
15%
Cash advance & revenue-based
1%
Asset finance
1%

Funding that fits Gloucester businesses

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

Elsewhere in the South West

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