ThinCats is a leading alternative finance provider dedicated to funding growing and ambitious SMEs with business loans up to £15million through senior secured facilities.
Our overriding objective is to provide you and your clients with certainty of deal execution.
We offer a personal approach through regional teams of finance and credit experts combined with detailed business insight from our PRISM data models built specifically to serve mid-sized SMEs.
Our skills and experience enable us to fund a variety of scenarios; from organic growth to acquisitions, management buy outs and buy ins, refinancing and restructures.
Our approach to SME funding
Our process aims to achieve the best funding solutions for your clients by engaging you every step of the way.
We have a pioneering approach to funding using SME data: big data and intelligent analysis driving early indication of credit appetite and pricing
Our innovative risk grading model PRISM Risk 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)
Find out more about our award-winning range of PRISM data models.
We are relationship driven with a transactional focus.
We work closely with businesses and their advisers through our regional credit teams for an early assessment of funding proposals. Deal forums provide further direct interaction with Credit – a grown-up approach engaging you in the process.
As an SME that has grown from regional roots in the East Midlands, ThinCats recognises the benefits of having relevant local expertise. It’s why we’ve created a regional business development team to support businesses and advisers at every stage.
Transactions as individual as the company’s business.
Looking at each deal on its own merits distinguishing loans between:
- Asset backed - we consider all types of security to provide collateral
- Cashflow – we view stable and diverse cashflows as a positive attribute for lending
Flexible but robust in our credit analysis to provide consistency and certainty of funding.
The ThinCats process is designed to ensure that we maximise liquidity and create certainty in every transaction, helping clients to achieve their ambitions.
Read how we have helped numerous dynamic businesses realise their ambitions across the length and breadth of the country:
Monumental £10m acquisition
Record year of lending in 2019
In 2019 we provided over £200 million of funding for mid-sized businesses, almost double 2018's prev…