Diversity Index – Ethnicity Insights on UK Business Ownership

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Active Companies

5.37M+

Ethnic Minorities Companies

356K+

British Ethnic Minorities

318K+

Non-British Ethnic Minorities

38.5K+

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Regions
Industry
Risk Profile
Turnover

Regions	Count	Percentage
London	115,238	32.4
North West	40,374	11.3
South East	39,755	11.2
West Midlands	36,524	10.2
East of England	29,182	8.2
Yorkshire and The Humber	25,194	7.1
East Midlands	18,132	5.1
Scotland	14,014	3.9
South West	13,723	3.9
North East	7,048	2.0
Wales	6,545	1.8
Northern Ireland	1,534	0.4

Secured lending remains heavily concentrated in London, with significant contributions from regions like the North West and West Midlands. The South East and East of England also register notable lending activity. Other regions such as Yorkshire and The Humber, and the East Midlands show steady levels, while areas like Scotland, the South West, and the North East record comparatively lower figures. Wales and Northern Ireland hold the smallest shares, underscoring regional disparities in secured lending activity.

SIC Code	SIC Industry	Count	Percentage
A	Agriculture Forestry And Fishing	1,551	0.4
B	Mining And Quarrying	335	0.1
C	Manufacturing	11,688	3.3
D	Electricity, Gas, Steam And Air Conditioning Supply	551	0.2
E	Water Supply, Sewerage, Waste Management	831	0.2
F	Construction	27,080	7.6
G	Wholesale And Retail Trade	64,308	18.1
H	Transportation And Storage	11,492	3.2
I	Accommodation And Food Service Activities	28,480	8.0
J	Information And Communication	29,267	8.2
K	Financial And Insurance Activities	9,392	2.6
L	Real Estate Activities	45,150	12.7
M	Professional, Scientific And Technical Activities	41,852	11.8
N	Administrative And Support Service Activities	28,000	7.9
O	Public Administration And Defence	677	0.2
P	Education	6,655	1.9
Q	Human Health And Social Work Activities	22,137	6.2
R	Arts, Entertainment And Recreation	5,162	1.5
S	Other Service Activities	19,171	5.4
T	Activities Of Households As Employers	2,227	0.6
U	Activities Of Extraterritorial Organisations And Bodies	60	0.0

The Wholesale and Retail Trade sector leads in secured lending, followed by Real Estate. Other prominent sectors include Professional, Scientific & Technical Activities, Accommodation & Food Services, and Information & Communication. Administrative & Support Services and Human Health & Social Work also see steady lending activity. Sectors like Construction and Other Services maintain moderate levels, while areas such as Mining & Quarrying, Electricity & Gas Supply, and Public Administration account for minimal secured lending activity.

* The Percentages & Counts may not add up due to a company being able to trade under multiple SIC Codes.

Risk Band	Count	Percentage
Low Risk	102,232	28.7
Very High Risk	91,279	25.6
Very Low Risk	88,282	24.8
Moderate Risk	66,821	18.8
High Risk	7,462	2.1

Secured lending is largely focused on businesses classified as Low or Very Low Risk. A considerable portion also falls under the Moderate Risk category. Lending to businesses categorized as High or Very High Risk is notably limited, reflecting a cautious approach in riskier segments of the market.

Turnover Range	Number of Companies	Percentage
1 to 500K	172,032	81.2
1M to 5M	20,750	9.6
500K to 1M	19,373	9.1
5M to 10M	2,410	1.1
10M to 100M	1,730	0.8
100M to 500M	64	0.0
Greater Than 1B	1	0.0

Secured lending is primarily dominated by smaller companies with lower turnover. Mid-sized businesses make a moderate contribution, while larger enterprises represent a much smaller portion of the overall lending activity. Companies with the highest turnover levels account for only a negligible share.