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South East · Q3 2026 data

Business funding in Milton Keynes

Milton Keynes has 20,428 trading companies. 2,666 of them (13.1%) have secured borrowing registered at Companies House, below the South East at 13.7% and the UK at 14.0%.

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20,428trading companies
13.1%have secured borrowing
878new companies in Q3 2026
4.1%late filing accounts

How Milton Keynes's sectors borrow

The biggest sectors in Milton Keynes, 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 50%.

Real estate & lettings2,657 companies
50%
Tech, media & telecoms2,613 companies
3%
Professional services2,612 companies
5%
Retail1,561 companies
5%
Construction & trades1,541 companies
6%
Business support services1,249 companies
9%
Healthcare & dental852 companies
4%
Wholesale & distribution826 companies
11%

Older businesses borrow more

Lenders like a track record. In Milton Keynes, 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 years5,998 companies
4%
2 to 5 years4,026 companies
13%
5 to 10 years4,689 companies
17%
10 to 20 years3,954 companies
14%
Over 20 years1,761 companies
34%

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 Milton Keynes businesses

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