ThinCats — SME finance eligibility guide
ThinCats is a UK specialist business lender providing mid-market cashflow loans, often through advisers, to established UK SMEs.
- Official site:
- thincats.com
- FCA reference:
- 724062
- Companies House:
- 07248014
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- £1m–£30m
- Security / PG
- Typically secured against assets, property or invoices depending on product
- Speed
- Speed to funding not publicly disclosed
Data confidence
High confidence. Most of the figures on this page are published directly on the lender's own site. Verify the latest version with the lender before applying.
Summaries are paraphrased from public ThinCats pages.
Products ThinCats offers
A summary of the ThinCats products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Cashflow / asset-backed lending | Secured Business Loan | £1m–£30m | Not disclosed | Asset-backed / cashflow; up to 4x EBITDA — Security required | Not disclosed | High |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of ThinCats's products. This is educational guidance only and is not a quote or guarantee of approval.
Cashflow / asset-backed lending
Secured Business Loan
Source: View ThinCats's Cashflow / asset-backed lending page on thincats.com ↗— ThinCats UK SME loans page.
Who ThinCats's Cashflow / asset-backed lending may be suitable for
ThinCats's Cashflow / asset-backed lending may be a possible fit when Mid-sized SMEs, sponsor-backed, healthcare, owner-managed. Typical signals include £1m+ requirement; ebitda/cashflow or asset-backed profile.
Common blockers
- Funding need below £1m
- Micro-SME profile
- No EBITDA/asset-backed rationale
Repayment
ThinCats structures repayment as: bespoke.
Speed to funding
ThinCats does not publicly disclose typical speed to funding for this product.
Security and personal guarantee
Security posture: asset-backed / cashflow; up to 4x ebitda. Tangible security is typically required.
Related guides
Educational explainers that pair well with ThinCats's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as ThinCats.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
ThinCats — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- ThinCats — Cashflow / asset-backed lendingthincats.comThinCats UK SME loans page.
What this page is — and isn't
- Is: a plain-English summary of ThinCats's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with ThinCats on the official ThinCats site before applying.
Frequently asked questions about ThinCats
- What is the minimum trading history for ThinCats?
- ThinCats does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does ThinCats require a personal guarantee?
- ThinCats does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does ThinCats publish?
- ThinCats does not publicly disclose typical funding timelines. Time to funds usually depends on documentation quality and underwriting checks.
- What is ThinCats's minimum and maximum facility size?
- Across the products Lendrly tracks for ThinCats, the published amount range is approximately £1,000,000 to £30,000,000. Individual products may sit within narrower bands — see the products table on this page.
- What is ThinCats's published position on CCJs and adverse credit?
- ThinCats does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether ThinCats's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including ThinCats's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.