ThinCats serves institutional investors seeking to benefit from the attractive risk-adjusted returns available from direct business lending. Our senior management team has extensive experience across banking, asset management, operations and IT so is well placed to understand the needs of institutional investors and deliver bespoke solutions.

As a leading alternative finance provider dedicated to funding growing and ambitious SMEs, ThinCats enables institutional investors to invest in direct commercial loans to UK SMEs. Filling the gap created by the traditional banks’ inability to service much of the commercial finance market, we specialise in secured loans from £1m up to £15m.

We currently manage mandates for a range of institutions, including Waterfall Asset Management , Insight Investment , BAE Systems Pensions and British Business Investments.

ThinCats operates a multi-functional team operating a large scale operation covering the whole loan life cycle, encompassing

  • Origination
  • Credit analytics
  • Credit underwriting
  • Loan servicing
  • Monitoring
  • Recoveries
  • Client relations

The team follows a robust, proven process, allowing it to support a number of mandates to meet institutional debt investor requirements. 

Contact Us

Our London headquarters is the home of our institutional client service, underwriting, credit analytics and finance teams. We also have a Midlands office which handles loan servicing, operations, retail investor support, loan monitoring and recovery. If you are an institutional investor, family office or professional investor please contact ESF Capital, our parent company at:


ESF Capital/ThinCats
Newlands House
40 Berners Street


+44(0)20 3866 4700

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