Agile Capital
Agile Capital combines our term loan facility with a revolving credit line. This creates a flexible one stop shop solution for borrowers with term debt and working capital funding requirements.
What are the benefits?
Agile Capital enables businesses to access our bespoke term debt solutions alongside a revolving credit facility, providing even greater flexibility to SMEs looking to grow.
Single facility from one lender
Structured to meet business funding requirements
Flexible drawing of RCF ensures interest costs are minimised
No operational impact on cash management
Reduced administrative burden
What is Agile Capital?
Agile Capital combines a term loan with a revolving credit facility (RCF), providing a holistic funding solution for mid-sized businesses.
Agile Capital is suited to businesses where a traditional ABL facility does not meet the total funding requirement and a term loan ‘overfunds’ the business from time to time.
Agile Capital does not seek to replicate or compete with ABL facilities as a result, ThinCats does not need to take control of the debtor book, stock or associated cashflows. This provides the flexibility and cost-effectiveness of a working capital line with less operational impact than traditional ABL facilities. Equally the total Agile Capital funding needs to be supported with a sensible leverage level, as not all of the Agile Capital facility will be asset covered.
Key Criteria
Amount
£5m
Term
5 years
Leverage
Up to 4x
Security
Due Diligence
Our team
Agile Capital FAQs
Agile Capital is an innovative funding solution that combines the benefits of a term loan with the flexibility of receivables finance or asset-based lending (ABL).
It works by offering businesses a revolving credit facility (RCF) sized around their working capital assets, alongside a term loan. This structure gives UK businesses the ability to unlock liquidity as needed, ensuring they have the right level of funding at the right time without over-leveraging.
Agile Capital is designed to support working capital needs and cash flow cycles. The RCF element provides short-term funding to cover the gap between delivering products or services, raising invoices, and receiving customer payments — helping companies maintain day-to-day liquidity.
When combined with a term loan, Agile Capital can also be used to:
- Finance management buyouts (MBOs)
- Support strategic acquisitions
- Refinance existing debt
- Complement other ThinCats funding solutions (such as Transitional Capital) to create a tailored growth finance package
Agile Capital is well-suited to UK businesses with ongoing working capital requirements, especially those needing flexible financing to cover cash flow gaps during production, inventory management, or long invoicing cycles.
It is a viable option for a wide range of sectors, including:
- Manufacturing and engineering
- Digital marketing and creative services
- Toy and product distribution
- Travel agencies and tour operators
- Service providers to utilities and infrastructure sectors
- Flexible borrowing that adjusts monthly with the asset base and the working capital cycle
- No 1st charge on assets
- No requirement to route payments through a dedicated trust account
- We are not bound by debtor credit limits restricting funding
- The ability to access funding other lenders might not provide
- The combination with ThinCats’ other lending facilities, such Transitional Capital, to create the optimal funding package for growth