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.
"Canary Wharf towers"
The costs that businesses and investors do not need to pay for
Our team of local experts spread across the UK, focus on providing certainty of deal delivery to you and your clients.
We have committed capital available to fund your clients’ ambitious plans for growth.
ThinCats has lent in excess of £250 million to 450 SMEs across many sectors in the UK since 2011.
Our award-winning data modelling creates access to funding without the constraints of traditional banking.
We work closely with you to understand your clients through a deal forum with our dedicated credit analysts.
Our intelligent SME data tracks businesses with good prospects and a near future need for finance.
SMEs domiciled in the UK
£100k – £5m
6 months to 5 years, amortising or bullet
1st ranking fixed and floating debenture over the borrower. Fixed charge over property/fixed assets
Working capital, stock / equipment / property purchase,
2 years historic, 1 years forecast profit & loss and balance sheet.
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.
ThinCats’ 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.
ThinCats’ 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)
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.
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.
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.
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.