Enabling employee ownership when the banks won’t engage – Network ROI’s story

18/01/2018 - The ThinCats Team

Management buy-outs are a staple of the alternative lending industry, and ThinCats has been happy to help a large number of management teams make this happen. Employee buy-outs are somewhat rarer, but this is what has been successfully accomplished.

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ThinCats Photo Competition 2018

12/01/2018 - The ThinCats Team

Submit your best photo encapsulating the new ThinCats style of imagery for a chance to win £500 for charity. T&Cs apply. Find out more

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2017 – A Transformational Year

11/01/2018 - The ThinCats Team

At ThinCats, we listed our biggest ever loan, had our most successful month, achieved full FCA regulation, trebled the Credit, Securities and Origination teams, and completed a full rebranding programme, ending with our new website which launched on the 14th December – a fitting end to a great year.

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Funding ambitions and providing a true alternative

14/12/2017 - The ThinCats Team

You will see that the ThinCats website has been given a make-over – a look that is being reflected throughout our materials. Our new look has come about after a huge amount of development and growth within ThinCats. Therefore, we are proud to unveil the new ThinCats and are very excited about the year ahead.

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ThinCats has partnered with The Manufacturer to offer £100m in funding to growing and expanding manufacturing SMEs

13/12/2017 - The ThinCats Team

The £100m of funding will see our UK-wide network of Origination Managers supporting those companies in the manufacturing sector that require a level of capital to take their businesses forward, and prepare for 4IR.

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ThinCats Newsletter December 2017

02/12/2017 - The ThinCats Team

Articles include: Loan origination boosted with five hires | IFISA Progress | Lender fee to be introduced for new investors | ThinCats’ largest loan sets sail | Rewarding sustainable manufacturing

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Institutional funding programme launched today

02/10/2017 - The ThinCats Team

ESF/ThinCats announces £200 million funding programme to support lending to UK SMEs ESF Capital, together with its operating subsidiary, ThinCats, has concluded a funding programme for loans of up to £5m for growing UK small- and medium-sized enterprises (SMEs).

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ThinCats Newsletter October 2017

02/10/2017 - The ThinCats Team

Articles include: Institutional funding programme launched today | Matters of risk | Keeping the shine on a vintage local business

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Keeping the shine on a vintage local business

01/10/2017 - The ThinCats Team

W. Bruford is a chain of retail jewellery shops operating on the south coast, which was looking to refinance after their long-term bank changed their lending criteria. Business owner Ashley Pugh joined as general manager in 2001 and then led an MBO in 2003.

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New Terms & Conditions

27/09/2017 - The ThinCats Team

There have been a number of developments at ThinCats recently, such as our full authorisation by the FCA, and improved arrangements for back up service provision to protect our investors, which impact our Terms and Conditions; we have therefore updated and reissued them to investors today.

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ThinCats Newsletter August 2017

08/08/2017 - The ThinCats Team

Articles include: Capital erosion: dangerous descents | Looking out for the UK’s overlooked SMEs | If you want to avoid breaking your IT systems, break your IT systems

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ThinCats receives full FCA authorisation

08/08/2017 - The ThinCats Team

ThinCats is thrilled to announce that the company has been granted full authorisation by the Financial Conduct Authority. The approval highlights the company’s commitment to protecting consumers and developing the alternative finance industry as a vital source of capital for businesses, and income for investors.

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Capital erosion: dangerous descents

08/08/2017 - The ThinCats Team

It’s possible that Edmund Hilary and Tenzing Norgay weren’t the first people to make it to the top of Everest. When George Mallory’s body was discovered on the slopes of the mountain 75 years after he disappeared in 1924, it was apparent he was descending, having been last seen 800 vertical feet from the summit

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ThinCats Newsletter July 2017

07/07/2017 - The ThinCats Team

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Pension planning: Interest-bearing assets

07/07/2017 - The ThinCats Team

There used to be a rule of thumb in pension planning, that the percentage of bonds or other income-bearing securities, in one’s pension portfolio should equal one’s age. Things are somewhat more complicated and that, hopefully, has been replaced by more grounded and detailed analyses.

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ThinCats Newsletter May 2017

31/05/2017 - The ThinCats Team

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Unpacking retirement planning and P2P

31/05/2017 - The ThinCats Team

P2P investments can play a vital role in retirement planning. Over the coming months, we will be taking a look at key issues around P2P loans and retirement planning.

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Underwritten Loans

04/05/2017 - The ThinCats Team

We outline below the ThinCats policy for loans listed on the platform which are underwritten by ESF. Where a loan is underwritten by ESF, they may also choose to take a minimum investment in the loan. Details of this will be set out in the information pack which is available to lenders.

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ThinCats Newsletter April 2017

13/04/2017 - The ThinCats Team

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Innovative and progressive approach to credit grading wins recognition

23/03/2017 - The ThinCats Team

We are delighted to announce that ThinCats has been ‘Highly Commended’ at the Business Moneyfacts Awards in the “Innovation in the SME Finance sector” category, for the ThinCats loan grading system.

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ThinCats Newsletter February 2017

03/02/2017 - The ThinCats Team

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Rate trends in a maturing P2P market

21/12/2016 - The ThinCats Team

From our analysis of the market we anticipate lower average loan rates, along with an increase in loan quality. These linked trends are a confluence of events in the wider alternative finance SME loan market – indeed, debt markets generally – and ThinCats’ own due diligence.

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Diamonds are for… five years and very well secured

21/12/2016 - The ThinCats Team

Diamonds are a peer-to-peer lenders’ best friend, as Shirley Bassey sang. Or meant to, we’re sure. Cardiff’s finest export will doubtless have had many a diamond stocking filler at this time of year.

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ThinCats Newsletter December 2016

20/12/2016 - The ThinCats Team

2016: the year we built on the foundations It’s that time of the year, where tradition expects we review the previous 12 months, typing out our thoughts as mince pie crumbs scatter the keyboard. It was ever thus, with annual reviews probably going back to cuneiform script on clay tablets.

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Proud to be patrons of NACFB

15/11/2016 - The ThinCats Team

ThinCats is pleased to announce its patronage of NACFB. The National Association of Commercial Finance Brokers is a trade body for business finance mediators, founded in 1992 in response to the growing incidence of fraud in the commercial finance arena.

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Using ThinCats’ gradings

11/11/2016 - The ThinCats Team

You want to go to cinema, but what to see? Easy – just pick the film with the highest rating. Five stars and you’re front and centre, with super large bucket of popcorn. Western, scifi, romcom, action – doesn’t matter, just so long as it’s got the most stars.

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Introducing new introducers

11/11/2016 - The ThinCats Team

A core goal for ThinCats is to increase the volume and range of deals available to lenders on the platform. As all our loans are introduced through Sponsors and other business professionals, it’s vital that we develop our relationships with those best able to provide the lifeblood for SME P2P lending.

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ThinCats newsletter November 2016

10/11/2016 - The ThinCats Team

Introducing new introducers A core goal for ThinCats is to increase the volume and range of deals available to lenders on the platform.

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ThinCats’ platform receives highest Defaqto Star Rating

08/11/2016 - The ThinCats Team

Defaqto, the independent and trusted industry standard for assessing the quality of financial products, has recently developed stringent evaluation criteria for the growing UK peer-to-peer lending industry. ThinCats’ platform is currently just one of four to achieve a Defaqto 5 Star Rating.

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ThinCats newsletter September 2016

26/09/2016 - The ThinCats Team

Using the new loan gradings: Balancing risk and reward Should you invest in a loan that isn’t four or five star? Five star loans aren’t ‘good’ and one stars ‘bad’, any more than AAA-rated corporate bonds (of which there are vanishingly few these days) are good, and high-yield bonds bad.

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Introducing Community Loans

25/07/2016 - The ThinCats Team

We are pleased to introduce a new specialist Sponsor, Community Chest Business Loans Ltd, offering peer to peer loans for Social Enterprises that attract tax relief.

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ThinCats newsletter July 2016

06/07/2016 - The ThinCats Team

The update issue Times past, ThinCats had neither the resources to carry out extensive development of the platform, or to keep our lenders adequately informed. But that is changing. We have been putting considerable capital towards supporting lenders, and are allocating more.

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Changes To The ThinCats Client Money Procedures

06/07/2016 - The ThinCats Team

As you know all of the major peer to peer platforms are in the process of applying for full authorisation by the FCA. As part of this process we have been reviewing our client money procedures and we need to introduce a few changes immediately that might affect you.

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Business as usual

24/06/2016 - The ThinCats Team

The last 24 hours have been interesting. The Brexit decision will undoubtedly have an impact on the British, European and World economies. Some of these impacts will have been foreseen and some will not.

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ThinCats newsletter April 2016

29/04/2016 - The ThinCats Team

Gin loan raises spirits Gin has come a long way from Mother’s Ruin. However, access to finance can be a ruinous experience for a young gin distilling company trying to make its way in the world. Founded in 2013 by Mark Hensby and John O’Dowd, Liverpool Gin set out to provide “super premium organic gin”

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Insurance group lists record-breaking loan on ThinCats

27/04/2016 - The ThinCats Team

Europe’s biggest platform for secured P2P business loans has auctioned Europe’s – and possibly the world’s – largest non-property peer-to-peer (P2P) loan. Insurance group LAMP has listed a £3.5m loan on UK-based lending platform ThinCats.

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ThinCats newsletter March 2016

14/03/2016 - The ThinCats Team

Towards the Innovative Finance Isa The birth of the Innovative Finance Isa (Ifisa), set for April, looks likely to be met with enthusiasm by investors.

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The ThinCats Innovative Finance ISA – Take the survey

18/02/2016 - The ThinCats Team

The Innovative Finance Individual Savings Account (or “IFISA”) is due to be launched on 6th April but they can only be offered by peer to peer platforms that have achieved full FCA regulation and so far none have achieved that status.

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ThinCats newsletter January 2016

25/01/2016 - The ThinCats Team

Welcome to the first edition of the ThinCats newsletter. We open with a look back and forward at the start of the year, with major developments taking place with the business and the peer to peer market.

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