Pioneers of Alternative Lending 

ThinCats was founded in 2011 in the aftermath of the global financial crisis; with the aim of offering funding to SMEs severely constrained by the lack of bank finance, whilst providing investors with attractive potential returns.

Today, ThinCats remains at the forefront of the Alternative Finance industry, providing vital funding for dynamic growing UK businesses.

Our Clients


two people doing flips in the air on top of a building


Today’s entrepreneurial businesses want the freedom to seize opportunities, to realise their potential, maximise productivity, grow revenues and expand into new areas. We help these companies by providing business loans to fulfil their funding requirements. We specialise in helping companies who are looking to borrow £250k to £15m. 

Cyclists going down a hill


We are committed to building strong, collaborative relationships with the network of accountants, commercial finance brokers and corporate finance advisers who assist their clients in finding the best funding solutions. We service this community through our nationwide team of relationship managers. 

Three people standing on top of a mountain looking into the distance


We offer our retail and institutional investors the opportunity to earn attractive potential returns by investing in secured loans to their choice of established businesses.

Capital is at risk and investments are not covered by the Financial Services Compensation Scheme.




Institutionally Backed 

ESF Capital, the parent company of ThinCats, is backed by leading UK and US institutions, including one of the UK’s largest pension funds.

Are you an institutional investor looking to increase your exposure to direct business lending?


Find out more



Senior Management Team

John Mould


Ravi Anand

Managing Director

Rolf Hickmann

Head of Data Analytics

Damon Walford

Chief Development Officer

Greg Beamish

Head of Credit

Zoe Shaw

Credit & Portfolio Management

Marc Harris

Group COO

Nick Buller

Chief Technology Officer

Jill Sandford

Chief Risk Officer

Matt Jones

Finance Director

Mike Hackett

Head of Sales



Built for Business

Apply for a loan

Meet our adviser team

Find your local contact

Investment opportunity

Start Investing



Our website uses cookies. By continuing you agree to our use of cookies as detailed in our Cookie Policy