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East of England · Q3 2026 data

Business funding in Harlow

Harlow has 6,615 trading companies. 639 of them (9.7%) have secured borrowing registered at Companies House, below the East of England at 13.6% and the UK at 14.0%.

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6,615trading companies
9.7%have secured borrowing
299new companies in Q3 2026
2.9%late filing accounts

How Harlow's sectors borrow

The biggest sectors in Harlow, 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 46%.

Construction & trades873 companies
4%
Healthcare & dental868 companies
1%
Real estate & lettings718 companies
46%
Professional services658 companies
3%
Tech, media & telecoms481 companies
4%
Retail470 companies
4%
Business support services376 companies
5%
Haulage & logistics298 companies
2%

Older businesses borrow more

Lenders like a track record. In Harlow, 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 years2,014 companies
3%
2 to 5 years1,666 companies
9%
5 to 10 years1,586 companies
10%
10 to 20 years995 companies
11%
Over 20 years354 companies
43%

Who's lending in the East of England

The 261 new lender charges we tracked against the East of England 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
51%
Specialist & alternative lenders
21%
Banks
15%
Asset finance
2%
Invoice finance
2%

Funding that fits Harlow businesses

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

Elsewhere in the East of England

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