Research desk · instrument · draft for review

When does your window open?

The register has been showing the date all along. Your charge’s creation date is on your Companies House file today; add the customary tenor of what you signed and you have the date the market will expect you to move. Below, your window sits on the same wall we counted for the research: how much paper is inside its refinancing zone, quarter by quarter, through 2028.

On your company’s Companies House filing history, under charges.

The typical senior term facility, which reads as roughly a four-year term, give or take eighteen months.

Enter the charge date to place your window on the wall. Every count below is from the public register: 83,957 UK lower-mid-market companies scored, 26,383 with a dated facility signal, at 7 July 2026.

Estimated refinancing windows open per quarter, 2026–2028Between 15,519 and 16,808 estimated windows are open in every quarter from the start of 2026 through mid-2027, tapering to 9,282 by the end of 2028, across a scored sample of 83,957 UK lower-mid-market companies.010k20k202620272028
Estimated refinancing windows open per quarter, 2026–2028
QuarterWindows open
2026Q115,519
2026Q215,740
2026Q316,254
2026Q416,598
2027Q116,609
2027Q216,808
2027Q315,747
2027Q414,584
2028Q113,309
2028Q212,072
2028Q310,746
2028Q49,282

Source · Companies House charge register (bulk file 2026-07-01), Solon analysis; windows estimated from charge age and customary facility tenors.

Windows are estimates, typically three years wide; a company appears in every quarter its window spans.