{
  "month": "2026-07",
  "total": 464,
  "mom_change": null,
  "yoy_change": -6.6,
  "lenders": [
    {
      "lender": "Bibby Financial Services",
      "category": "large_indep",
      "count": 73
    },
    {
      "lender": "eCapital Commercial Finance",
      "category": "large_indep",
      "count": 51
    },
    {
      "lender": "HSBC Invoice Finance",
      "category": "bank",
      "count": 36
    },
    {
      "lender": "RBS / NatWest Invoice Finance",
      "category": "bank",
      "count": 31
    },
    {
      "lender": "Lloyds Bank Commercial Finance",
      "category": "bank",
      "count": 30
    },
    {
      "lender": "Nucleus Commercial Finance",
      "category": "mid_indep",
      "count": 24
    },
    {
      "lender": "4Syte",
      "category": "mid_indep",
      "count": 23
    },
    {
      "lender": "Apollo Business Finance",
      "category": "mid_indep",
      "count": 22
    },
    {
      "lender": "Cynergy Business Finance",
      "category": "large_indep",
      "count": 20
    },
    {
      "lender": "Quba Solutions",
      "category": "specialist",
      "count": 18
    },
    {
      "lender": "Team Factors",
      "category": "mid_indep",
      "count": 18
    },
    {
      "lender": "Praetura Commercial Finance",
      "category": "large_indep",
      "count": 17
    },
    {
      "lender": "Skipton Business Finance",
      "category": "large_indep",
      "count": 14
    },
    {
      "lender": "IGF (Independent Growth Finance)",
      "category": "large_indep",
      "count": 10
    },
    {
      "lender": "Time Finance",
      "category": "large_indep",
      "count": 10
    },
    {
      "lender": "Crédit Agricole Leasing & Factoring",
      "category": "bank",
      "count": 8
    },
    {
      "lender": "Shire Invoice Finance",
      "category": "mid_indep",
      "count": 7
    },
    {
      "lender": "Wells Fargo Capital Finance",
      "category": "bank",
      "count": 7
    },
    {
      "lender": "Giant Finance",
      "category": "specialist",
      "count": 5
    },
    {
      "lender": "Arbuthnot Commercial ABL",
      "category": "specialist",
      "count": 4
    },
    {
      "lender": "GC Factoring",
      "category": "mid_indep",
      "count": 4
    },
    {
      "lender": "TFG Capital",
      "category": "mid_indep",
      "count": 4
    },
    {
      "lender": "WeDo Finance",
      "category": "mid_indep",
      "count": 4
    },
    {
      "lender": "Close Brothers Invoice Finance",
      "category": "large_indep",
      "count": 3
    },
    {
      "lender": "Kriya Finance Limited",
      "category": "mid_indep",
      "count": 3
    },
    {
      "lender": "Peak Cashflow",
      "category": "mid_indep",
      "count": 3
    },
    {
      "lender": "Sallyport Commercial Finance",
      "category": "mid_indep",
      "count": 3
    },
    {
      "lender": "SME Invoice Finance",
      "category": "mid_indep",
      "count": 3
    },
    {
      "lender": "Flex ABL",
      "category": "mid_indep",
      "count": 2
    },
    {
      "lender": "PNC Business Credit",
      "category": "bank",
      "count": 2
    },
    {
      "lender": "BNP Paribas Commercial Finance",
      "category": "bank",
      "count": 1
    },
    {
      "lender": "Hilldun",
      "category": "specialist",
      "count": 1
    },
    {
      "lender": "Investec Capital Solutions",
      "category": "bank",
      "count": 1
    },
    {
      "lender": "Partnership Invoice Finance",
      "category": "mid_indep",
      "count": 1
    },
    {
      "lender": "Zodeq",
      "category": "specialist",
      "count": 1
    }
  ],
  "lender_count": 35,
  "date_basis": "charge_date (the real Companies House registration/filing date), sourced from the full historic register scan in Postgres, not just events the live stream happened to observe since capture started.",
  "generated_at": "2026-10-22T18:42:34.201331+00:00"
}