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 £10m. 



We are committed to building strong, collaborative relationships with the network of accountants, commercial finance brokers and corporate finance advisers 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

Ravi Anand

Managing Director

Rolf Hickmann

Head of Credit Analytics

Damon Walford

Chief Development Officer

Greg Beamish

Head of Credit

Zoe Shaw

Credit & Portfolio Management

Marc Harris

Group COO

Nick Buller

Chief Technology Officer

Jill Sandford

Chief Risk Officer

Matt Jones

Finance Director



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