Pioneers of Alternative Lending 

ThinCats was founded in 2011 in the aftermath of the global financial crisis; with the aim of offering funding to SMEs severely constrained by the lack of bank finance, whilst providing investors with attractive potential returns.

Today, ThinCats remains at the forefront of the Alternative Finance industry, providing vital funding for dynamic growing UK businesses.



Our Clients




Today’s entrepreneurial businesses want the freedom to seize opportunities, to realise their potential, maximise productivity, grow revenues and expand into new areas. We help these companies by providing business loans to fulfil their funding requirements. We specialise in helping companies who are looking to borrow £100k to £5m. 



We are committed to building strong, collaborative relationships with the network of accountants, commercial finance brokers and corporate finance advisors who assist their clients in finding the best funding solutions. We service this community through our nationwide team of relationship managers. 



We offer our retail and institutional investors the opportunity to earn a projected return of 7-8%* by investing in secured loans to their choice of established businesses.

*Projected return excludes any fees or taxes. Your actual return may be higher or lower and your capital is at risk. Future forecast is not a reliable indicator to future returns. More about risks and returns.




Institutionally Backed 

ESF Capital, the parent company of ThinCats, is backed by leading UK and US institutions, including one of the UK’s largest pension funds.

If you are an institutional investor looking to increase your exposure to direct business lending, click here




Senior Management Team

John Mould

Chief Executive Officer

John Mould Chief Executive Officer

John is Chief Executive for ThinCats, and brings nearly 30 years of financial services and risk management experience to the role.  His main focus is on safeguarding money and minimising risk for all those involved with the platform, whilst ensuring the smooth running of the company.  He has introduced well tested financial controls and procedures, and has major plans to develop and grow the business, and bring in new products.

Prior to joining ThinCats, he was Chief Operating and Financial Officer at Hermes Fund Managers, and Chief Operating Officer at New Star Asset Management. John held a series of senior European financial and risk management roles at Morgan Stanley, and board positions both in fund companies and main operating companies. He is a Fellow of the Institute of Chartered Accountants in England and Wales.

Ravi Anand

Managing Director

Ravi Anand Managing Director

Ravi has 25 years of financial services experience. He has created businesses and led more than 80 transactions in asset management, particularly in alternatives. These included fund raisings exceeding $12bn for both public and private fund vehicles and M&A transactions. Most recently, he was head of corporate finance at Dexion Capital. Prior to that, Ravi was head of corporate finance and co-head of alternatives at New Star Asset Management. Other roles include director of equity capital markets at HSBC Investment Bank and business development at Flemings (now JPMorgan). He is a qualified accountant and studied Management and Administration at Aston University.

Rolf Hickmann

Head of Credit Analytics

Rolf Hickmann Head of Credit Analytics

Rolf is a specialist in the analysis of SMEs, focusing on their demographics, growth prospects, and sources of finance. He was founder and CEO of the pH Group, now part of Experian, where he pioneered the use of extensive databases enabling a detailed drill down into SME behaviour. The pH systems have been used by all the UK’s major banks, many utilities and telco companies, and the UK government (similarly in France). Prior to this, Rolf was a strategy consultant at the Boston Consulting Group. He has a BSc in Physics from the University of Texas and an MBA from University of California, Berkeley. Rolf is also a consultant at financial asset specialist AGFE.

Damon Walford

Chief Development Officer

Damon Walford Chief Development Officer

Damon’s main role at ThinCats is to help grow the existing business and capitalise on new opportunities, with a particular focus on originating loans, working with the ThinCats community of accountants, commercial finance advisers and corporate finance professionals advising UK SMEs on growth strategies, and improving the customer journey.  He has over 20 years’ experience in the financial sector, most recently as MD of Aldermore Invoice Finance.

Greg Beamish

Head of Credit

Greg Beamish Head of Credit

Greg joined ThinCats with twelve years of investment experience ranging across secured credit to distressed equity through working at institutions including Barings, Sun Capital Partners and ESO Capital. 

Greg is an important member of the investment committee at ThinCats, as well as fulfilling key responsibilities such as management of the credit team, overseeing the efficient execution of credit processes and managing the underwriting process.

Zoe Shaw

Credit & Portfolio Management

Zoe Shaw Credit & Portfolio Management

Zoe is responsible for managing the ThinCats institutional portfolio.  Her previous roles include head of fixed income at Hermes Investment Management, CEO of New Bond Street Asset Management and head of debt finance at Bankgesellschaft in Berlin. Zoe’s particular expertise is in capital raising, derivatives, securitisation and syndicated lending, and she has written industry respected books on securitisation.

Marc Harris

Group COO

Marc Harris Group COO

Marc has spent 15 years in financial services. Prior to joining ThinCats, he was Chief Operating Officer at Octopus Investment’s Asset Backed Lending division, and before this served as Executive Director and Chief Operating Officer at Fidelity Investment’s EMEA Institutional Office, responsible for operations, administration and local management of the investment management and distribution activities.  Marc held a series of board positions both in fund companies and in the main operating companies.

Marc also held various senior roles in Fidelity International within the Investment Management operations division, and managed numerous strategic initiatives aimed at enhancing the front office capabilities of the organization.

Marc earned a Bachelor of Arts degree in Economics from The University of Manchester, and a Master of Business Administration degree from Cranfield School of Management. He is also a Chartered Director and a Member of the Chartered Management Institute.

Nick Buller

Chief Technology Officer

Nick Buller Chief Technology Officer

Nick is responsible for overseeing the technology and development of the ThinCats platform, continuously aiming to improve the customer experience, provide exciting new features, and maximise security. He has vast experience in finance and technology; having spent over 10 years at Barclays at Director level, he has held CTO positions at a number of other London-based technology firms, as well as Technology Director at ESF Capital.

Jill Sandford

Chief Operating Officer

Jill Sandford Chief Operating Officer

Jill is responsible for the development and implementation of operational controls and procedures within the Company, as well as working on strategic initiatives.  Prior to joining ThinCats, Jill was a Director of Restructuring and Recovery with a top 10 national chartered accountancy firm. Having worked in restructuring for some 28 years, she has extensive experience of providing strategic restructuring and turnaround solutions for stakeholders of businesses in financial difficulties.  Jill is a licensed Insolvency Practitioner, being authorised by the Institute of Chartered Accountants in England and Wales.

Matt Jones

Finance Director

Matt Jones Finance Director

Matt is an ACA accountant who trained with PwC and has 18 years of financial services experience across a number of sectors, including Consumer and Corporate lending, Pension Administration and Motor Insurance. His role is to ensure the controlled and smooth running of the Group’s financial processes, implementation of the Group’s financial strategy and provision of insightful analytics to the board.

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