A Compelling Alternative to the Banks

ThinCats is a leading alternative finance provider dedicated to funding growing and ambitious SMEs up to £5million through senior secured loan facilities. Our entire ethos is based around providing you and your clients with certainty of deal execution. Our through-the-lifecycle funding experience enables us to fund a variety of scenarios; from organic growth to acquisitions, management buy outs and buy ins, refinancing and restructures.

Expensive Executives

"Canary Wharf towers"

Liquidity Management

Regulatory Capital

Current Accounts

Branch Network

Legacy Issues

Conduct Risk

Loan Processing

Compliance

Credit Risk

Business Development

The costs that businesses and investors do not need to pay for

ThinCats

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Certain Deal
Execution

Our team of local experts spread across the UK, focus on providing certainty of deal delivery to you and your clients.
 

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Strong Institutional
Backing

We have committed capital available to fund your clients’ ambitious plans for growth.
 

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Proven
Track Record

ThinCats has lent in excess of £250 million to 450 SMEs across many sectors in the UK since 2011.
 

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Breadth
of Market

Our award-winning data modelling creates access to funding without the constraints of traditional banking.

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Collaborative
Approach

We work closely with you to understand your clients through a deal forum with our dedicated credit analysts.

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Right-Time
Funding

Our intelligent SME data tracks businesses with good prospects and a near future need for finance.


 



 

Key Criteria

Businesses

SMEs domiciled in the UK

Amount

£100k – £5m

Term

6 months to 5 years, amortising or bullet

Security

1st ranking fixed and floating debenture over the borrower. Fixed charge over property/fixed assets

Purpose

Working capital, stock / equipment / property purchase,
acquisition finance including MBO / MBIs,
refinancing / restructuring.

Information 
Requirements
 

2 years historic, 1 years forecast profit & loss and balance sheet.
historic and forecast cashflows
Most recent management accounts not more than 2 months old.
3 months bank statements.
Turnover and debtor breakdown by customer.

 

Full Criteria Guide


 

Our Foundations

Pioneering

We have a pioneering approach to funding using award-winning SME data: big data and intelligent analysis driving early indication of credit appetite and pricing.

Our Innovative Risk Grading model looks at credit quality and security, expressed as Stars and Padlocks. 

star.pngThinCats’ proprietary credit model combines market and company financial data with proprietary non-financial data to provide a credit grade of 1 (weak) - 5 (strong) Stars.

padlock.pngThinCats’ security grade reflects available security combining balance sheet with predictability of cash flows to provide a security grade 1 (limited asset cover) - 5 (significant asset cover)

Personal

We are relationship-driven and collaborative, welcoming the participation of Partners and their clients within our deal forums, providing direct access to our credit team. 
 

Deal Forums: 

Here you can discuss deals in depth, allowing your clients’ stories to be heard, so we can support the next important chapter of their growth.
 

Pragmatic

Our pragmatic approach to SME funding ensures an appropriate and balanced credit analysis, together with the flexibility to adapt to a business’ needs. We look at each transaction on its own merits, considering both assets and future cashflows to create funding solutions that are as individual as your clients.

Certain Deal Execution

Our Partners have told us that the combination of our pioneering data-driven modelling, personal approach and pragmatic process set ThinCats apart. These elements come together to ensure that we maximise liquidity and create certainty in every transaction, helping clients to achieve their ambitions.
 

Unsung Heroes

Small and Medium-sized Enterprises (SMEs) may not be household names but they are the powerhouses of the UK economy.  Read how ThinCats has helped these dynamic businesses realise their ambitions.
 

What Our Clients Say

Small and Medium-sized Enterprises (SMEs) may not be household names but they are the powerhouses of the UK economy.
Read how ThinCats has helped these dynamic businesses realise their ambitions.

“We approached a number of funders as part of this process, but what really appealed to ACM was ThinCats strong understanding of the business, and their ability to structure the funding appropriately.”

Their journey

“We’d rather lost confidence in the banking system; the ThinCats loan has tidied everything up, and given us a leg up.”

Their journey

“We were in a position to grow very rapidly, and provide services that are desperately needed by a range of industry sectors, but needed the right funding to enable us to take advantage of the opportunities. Alderburn Finance and ThinCats together fulfilled that role extremely well.”

Their journey

Let's Talk

Get in touch today

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