ThinCats

One of the leaders and pioneers of the peer to peer business lending industry, ThinCats specialises in secured loans and has been since 2009.

We link retail and institutional investors directly with established business borrowers in the UK to provide a feasible, affordable and better platform for investors and borrowers alike.

Attractive rates for investors and borrowers

In the aftermath of the global financial crisis, ThinCats was founded with the aim of offering peer to peer loans to UK businesses who struggle to access funding through traditional banks and lenders. However, our innovative platform provides investors with attractive rates of interest that are not available through many other conventional investment portfolios.

Personal approach to investing and borrowing

Our principle ethos is to avoid decision making that are algorithm-led. Why? Because our founders were keen to hear the stories behind the borrowers’ investment requirements and measure each one based on its merits. We achieve this by harnessing the knowledge of financial experts to assess each loan application. Every day, we strive to encourage growth, development and innovation in UK business.

Opportunity and innovation

As a result from the belief that online loan applications deserve more than just harsh impersonal consideration, we use innovative data analysis combined with a human touch to assess each loan, and taking into account the story behind each case. We believe in nothing less than providing real opportunity for SMEs that encourages growth, development and advancement in UK businesses.

Peer to peer finance with flexible business loans provided by security-backed investments is our passion and what we work towards through all our business practices.

Lend through us

Investors can earn estimated returns of 7% to 8.5% AER and are able to choose their investment, which are security-backed loans that support British businesses and help them reach new milestones. Our investors are able to invest with peace of mind as the business loans offered are secured.

Borrow through us

We offer flexible business finance with repayments that work for you. Businesses have access to funds in weeks not months and long and short-term loans start from £100k. You need not look further for the financing your business needs to reach new heights.

Work with us

Our platform offers an alternative funding for your clients that is a simple, straightforward process. Additionally, you have access to an underwriting team and marketing support.

Flexible, transparent loans for your business

• Flexible terms to suit your needs, which includes the peer-to-peer loan amount, security and repayment term
• Various repayment structures such as interest only, partial amortising and bullet repayments
• All fees and costs are totally transparent and there are no hidden costs. We are all about transparent, fair and honest services
• Funds are available in weeks not months. There is no need to wait on the funds that your business requires
• We work with businesses from all over the UK; the location of your business is not of importance
• All industry sectors are supported, from property to finance to health care. We aim to help all businesses.