Secured Borrowing
1 credit / callA company's registered charges in plain English: how many outstanding, which lenders, what's secured, how recent.
Charges total and outstanding, the lenders, what each secures and over what, fixed or floating, a floating charge over everything, the latest creation date; from the Companies House register.
Every charge a lender takes over a company's assets is registered at Companies House, and the register is the only public record of who has security over what. Read raw, it's a list of filings; read together, it's a credit controller's picture: how many charges are outstanding, which lenders hold them, whether a floating charge covers everything the company owns, what each one secures, and how recently new security was given. This endpoint reads the register and gives that picture in one call, lenders named where they're companies and banks, never where they're individuals. A charge isn't a sign of trouble by itself; the reply says what the register shows and leaves the judgement to you.
what you’d build with it
Credit control
Before extending terms: who already has security over this customer's assets, and is a floating charge over everything in place?
Supplier vetting
New security given in the last few months, read alongside distress signals and payment practices.
Lenders and brokers
A borrower's existing charges and lenders, by company number, in seconds.
example response
{
"company": { "name": "GREGGS PLC", "number": "00502851", "status": "active" },
"summary": { "total": 40, "outstanding": 0, "partSatisfied": 0, "satisfied": 40, "lenders": [], "latestCreated": "1985-01-30", "floatingChargeOverEverything": false },
"reading": "GREGGS PLC has 40 charges on the register, all satisfied; the latest was created 1985-01-30.",
"outstanding": [],
"satisfiedCharges": [
{ "number": 40, "kind": "Mortgage", "created": "1985-01-30", "status": "Fully satisfied", "satisfied": "1994-04-23", "inFavourOf": ["Investors in Industry PLC"], "secures": "All monies due or to become due from the company to the chargee on any account whatsoever", "over": "F/H premises at parrott street and bromlon street clayton city of manchester. Title no. Gm 127603." }
…Abbreviated. The full example, every endpoint and runnable code are in the implementation guide above; the integration pack downloads beside it. No account needed to read any of it.
Why developers pick it
The picture, not the list
Outstanding count, lenders, a floating charge over everything, the latest date: what a credit controller actually reads.
Lenders named, people not
Banks and companies are named as the register names them; an individual lender is 'an individual'.
Reads with the rest
The same company number as Distress Signals, Payment Practices and the Change Feed.
Terms & disclaimer. Provided “as is” with no warranty. Results are derived from public sources and, in places, generated by AI — they may be inaccurate or out of date and are not legal, professional or credit advice. Company data contains public sector information licensed under the Open Government Licence v3.0; the Registers API contains Environment Agency information © Environment Agency and/or database right, used under the Environment Agency Conditional Licence. Any logos returned remain the trademarks of their owners (nominative/identification use only, no endorsement implied). Any scores or ratings are an indicative opinion, not a statement of fact about a company. You are responsible for your own use. See the full API Terms of Use or get in touch.