Why Invest through ThinCats?

Lending directly to businesses is a way for investors to add an income stream to investment portfolios. Unlike investing in bonds or shares, the value of business loans is not directly affected by movements in financial markets meaning they can be a useful way of diversifying an investment portfolio.

ThinCats offers two ways to invest in business loans; through individual loans that you select yourself, or through pre-selected portfolios of loans called Diversified Loan Portfolios.

You can choose to invest in both types to create an overall ThinCats portfolio that meets your specific investment objectives. The minimum investment is £1,000. Both types of investment can be held within a ThinCats ISA for new cash subscriptions.


Investors should note their capital is at risk, and that their investment is not covered by the Financial Services Compensation Scheme. Learn more about the risks. If you are unsure about investing in business loans, you should consult a financial adviser.




Investors can choose to invest in their choice of individual loans, or in pre-selected portfolios via a Diversified Loan Portfolio or both. 

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Informed Decisions

Comprehensive information is provided for every opportunity, alongside the ThinCats grading system.



All loans to businesses are backed by security and subject to a formal credit review prior to listing on our investor platform. Investing in secured loans can improve your recovery in the event of a default, however, it does not remove the risk of capital loss.

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Secondary Market

You can offer individual loans (excluding Diversified Loan Portfolios) for sale to other investors on the ThinCats secondary market, although there is no guarantee that you will find a buyer. Only status A loans can be traded. See FAQs.


Potential Returns

The returns that you receive will depend on the individual business loans that you invest in. Typical interest rates range between 7 and 15% depending on a loan’s credit and security grade.  Your actual return will be the interest rate paid less lender fees and the impact of any defaults.

You can earn returns tax-free through a ThinCats ISA . 

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All investment opportunities support established, growing businesses from a variety of sectors and geographies, driving the UK economy.




Investment options

The loans that you can invest in cover businesses across all regions and sectors of the UK economy. Mostly small- and medium-sized enterprises (SMEs), these businesses typically have between 10 and 250 employees and are borrowing between £250k and £10m to fund their growth plans.

You can create your portfolio of loans by investing in individual loans as they become available on the ThinCats primary and secondary markets. Alternatively, our Diversified Loan Portfolios offer exposure to pre-selected portfolios of between 20 and 40 existing loans.

More about DLPs




It is important to understand that by investing through ThinCats your capital is at risk.  You are making direct loans to corporate businesses, and if for some reason they fail to repay, there is a chance your money will be lost or there will be a delay in repayment. Additionally, your money is not covered for compensation in the event of loss by the Financial Services Compensation Scheme.


More About Risks




  • Accounts registered from January 1st 2018 are subject to a Lender Fee

  • A successful disposal of a loan on the Secondary Market is subject to a fee for the seller

  • Where a loan enters into default and is subject to recovery, additional fees may apply


More About Fees



Straightforward Process


Register as an investor

Receive your account details and deposit funds

Browse our market for loans. Evaluate each offering before making a decision

Invest your money in £1,000s in the loans you want to fund

Receive interest and capital payments



Ready To Get Started? 

Start Investing>



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