Progressive lending

ThinCats is a leading alternative finance provider dedicated to funding growing and ambitious SMEs up to £10million through senior secured loan facilities. Our entire ethos is based around providing you and your clients with certainty of deal execution. Our through-the-lifecycle funding experience enables us to fund a variety of scenarios; from organic growth to acquisitions, management buy outs and buy ins, refinancing and restructures.

 

Working Capital

Refinance

Growth Finance

Acquisitions

Asset Purchase

 

 

 

 

We cover the length and breadth of the UK and have regional representatives ready to meet you.

Meet your local representative>

 

 

 

 

Our approach to SME funding

Our process aims to achieve the best funding solutions for your clients by engaging you every step of the way.

We have a pioneering approach to funding using SME data: big data and intelligent analysis driving early indication of credit appetite and pricing

Our innovative risk grading model PRISM Risk looks at credit quality and security, expressed as Stars and Padlocks.

StarThinCats’ proprietary credit model combines market and company financial data with proprietary non-financial data to provide a credit grade of 1 (weak) - 5 (strong) Stars.

padlockThinCats’ security grade reflects available security combining balance sheet with predictability of cash flows to provide a security grade 1 (limited asset cover) - 5 (significant asset cover)

 

Find out more about our award-winning range of PRISM data models.

Personal initial review We are relationship driven with a transactional focus.

We work closely with businesses and their advisers through our regional credit teams for an early assessment of funding proposals. Deal forums provide further direct interaction with Credit – a grown-up approach engaging you in the process. 

As an SME that has grown from regional roots in the East Midlands, ThinCats recognises the benefits of having relevant local expertise. It’s why we’ve created a regional business development team to support businesses and advisers at every stage.

Pragmatic detailed assessment.svgTransactions as individual as the company’s business.

Looking at each deal on its own merits distinguishing loans between:

  • Asset backed - we consider all types of security to provide collateral
  • Cashflow – we view stable and diverse cashflows as a positive attribute for lending

Flexible but robust in our credit analysis to provide consistency and certainty of funding.

Certain deal execution.svgThe ThinCats process is designed to ensure that we maximise liquidity and create certainty in every transaction, helping clients to achieve their ambitions.

Read how we have helped numerous dynamic businesses realise their ambitions across the length and breadth of the country:

Our case studies

 

 

 

Case Studies

Hydram

Monumental £10m acquisition

Articles

Introducing our Propensity and Risk Model (PRISM)

Data science and analytics is embedded deep within ThinCats’ business principles. It is the company’…

 

 

 

 

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