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 - £
    m
    Loan amount
  • 1 -
    years
    Term
  • Sector Agnostic
  • MAX LTV
    %
    Asset backed loans
  • Max
    x EBITDA
    Cashflow 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.

Client stories

Refinance & Working Capital

We can structure flexible solutions to refinance existing debt facilities and provide additional working capital where required.

Client stories

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.

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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.

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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.

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Recovery Loan Scheme

ThinCats is accredited by the British Business Bank to provide funding via the Recovery Loan Scheme with loans to existing and new borrowers from £1 million up to £10 million.

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Recovery Loan Scheme

Funding in action

Visit our Client Stories section to see how business owners and advisers describe their experiences working with ThinCats

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Contact us

If you are a professional adviser or private equity investor looking to arrange funding for a mid-sized business, get in touch to find out how we can help

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