Credit
Funding conditions, quoted specialist lenders, and companies showing signs of difficulty.
Bank Rate
3.75%
Held at the MPC meeting of 30 July 2026, on a 6–3 vote. Bank of England. Checked 30 August 2026.
Found Credit
6–10% fixed
Founder Capital's own published borrower pricing: £100k–£2m, 2–5 years, secured, to limited companies and LLPs for business purposes. Borrower pricing, not an investor return.
Practice pricing
1.3–1.6× fees
Founder Capital's published range for accountancy practices, centred on 1.45× gross recurring fees. foundercapital.co.uk/valuation.
Challenger share of SME lending
60%
Challenger and specialist banks' share of gross UK SME bank lending. British Business Bank, Small Business Finance Markets 2025/26.
Quoted specialist lenders
On price-to-book. EV/EBITDA does not apply to a lender.
| Lender | Price | Change | Market cap | Price / book |
|---|---|---|---|---|
| OSB GroupOSB Specialist secured lender. | 514.5p | ▲ 0.39% | £1.74bn | Book value not sourced |
| Paragon BankingPAG Specialist lender across SME and property. | 797.5p | ▲ 0.19% | £1.46bn | Book value not sourced |
| Close BrothersCBG The benchmark UK specialist lender to SMEs — closest quoted analogue to Found Credit. | 412.6p | ▼ 0.10% | £622.5m | 0.37× |
| Secure Trust BankSTB Smaller specialist bank; a read on what sub-scale lending books are worth. | 1490p | ▲ 1.50% | £275.9m | 0.71× |
| S&USUS Family-controlled specialist lender with a long record through cycles. | 2000p | ▲ 1.27% | £240.0m | 0.96× |
| Time FinanceTIME Small-cap asset and invoice finance lender — the closest listed thing to a £100k–£2m book. | 57.4p | ▼ 0.35% | £53.3m | Book value not sourced |
Companies in difficulty
Negative net assets, overdue filings, insolvency history, or security taken.
Nothing flagged.
Funding figures are point-in-time with the source and date shown against each. They are context, not a live feed.
Check a company against Found Credit’s lending box