Core product & criteria
Our underlying lending product is a straightforward term loan where the borrower pays a fixed interest rate over a specified time period. We provide loans to established businesses, assessing them on their own merits with flexible repayment terms which can be amortising and/or bullet.
£1m - £15mLoan amount- 1 - 5 yearsTerm
- Sector Agnostic
- MAX LTV 85%Asset backed loans
- Max 4x EBITDACashflow loans
Loan Purposes
Our skills and experience enable us to fund a variety of scenarios; from growth to acquisitions (including management buy outs), refinancing and restructures. Whatever the loan purpose, our aim is to become a long-term funding partner to the businesses that we support.
Acquisitions & Growth
We can structure bespoke facilities within the tight timescales that event driven transactions like acquisitions, MBOs, and EOTs demand. We also provide funding for organic growth.
Refinance & Working Capital
We can structure flexible solutions to refinance existing debt facilities and provide additional working capital where required.
Specialist lending
We also have specialist expertise in funding businesses backed by lower mid-market private equity investors and for businesses in the healthcare and leisure sectors.
Private Equity
To serve the needs of the lower mid-market sector we have established a team of credit and origination specialists dedicated to private equity transactions.
Healthcare
A critical sector of the economy with heightened prominence since the Covid pandemic, we focus on supporting businesses that have a minimum of 2-3 assets with funding for growth, acquisitions and refinancing purposes.
Leisure
Often seen as an out of favour sector, we assess businesses in the leisure industry on their individual merits. We support restaurants, pubs and hotels with funding for growth, acquisitions, working capital and refinancing.
Technology
Funding in action
Visit our Client Stories section to see how business owners and advisers describe their experiences working with ThinCats
