How to find UK companies with active charges
Every secured loan a UK company takes leaves a public footprint: the charge a lender registers at Companies House. Companies with active charges are proven borrowers, the exact audience for refinancing, asset finance and facility reviews. Leadistry does not search on charges, so this recipe finds the right companies with an agent and then checks the charges on each record.
The recipe, step by step
- 1
Know what a charge tells you
A charge is security a lender registers at Companies House over a company's assets: property, equipment, book debts. So a company with an active charge has borrowing secured against it, published on the public record. Leadistry does not search on charges, but every lead links to the company's Companies House record, where its charges are listed.
- 2
Target asset-heavy sectors
Tell the assistant the sectors where secured borrowing is routine, and it matches them to 5-digit SIC codes. Construction and development (41100), road haulage (49410), property (68100), manufacturing, hospitality. These sectors buy vehicles, premises and plant on finance as a matter of course. A charge usually shows normal growth, not distress.
- 3
Qualify by reason and region
Give the agent one area if you work a local book: a town, a city or a region. For established firms, pick reasons every trading company has each year, such as accounts due, rather than registered in the last 12 months. A company trading five years with active charges has a borrowing history a broker can work with. Before the agent is set up, the assistant says whether plenty or few companies match there.
- 4
Get the decision maker on each lead
Every lead comes with a website we opened and checked is theirs, and an email the company publishes on a domain we checked accepts mail. The director's name comes too when it is on the public record, and refinancing conversations happen with directors. A company we cannot finish is never delivered and never costs a lead.
- 5
Open with the fact, not the pitch
A company with registered charges already understands secured finance. Skip the education and lead with value: a review of existing facilities, a better rate at renewal, headroom for the next purchase. Click any line of the email on your Feed to mention what you found on the record. Two follow-ups go on day 4 and day 9 by default, and the trial sends your first 25 emails free. Nothing sends until you approve it, or until you switch on Autopilot.
Frequently asked questions
What exactly is a registered charge?
When a lender takes security over a company's assets (a mortgage on premises, a debenture over the whole business, a charge over equipment or book debts) it must register that charge at Companies House within 21 days. The public record shows which charges are still outstanding. Leadistry does not filter on charges, so read them on the Companies House record linked from each lead.
Does an active charge mean the company is in trouble?
No. Most charges are routine: a commercial mortgage, asset finance on vehicles or plant, or an invoice finance facility. For brokers that is the point. These companies use finance as a normal tool, which makes them far more open to a refinancing or extra-facility conversation than businesses that have never borrowed.
Can I ask an agent to look for charges?
No. The reasons an agent looks for are registered in the last 12 months, first accounts coming, accounts due or overdue, a confirmation statement due or overdue, a changed name and a website graded poor. So pair an agent for asset-heavy trades in your area with a quick check of the charges on each record. Leave the agent running and each new company that matches reaches your Feed, never one you have been sent before.
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