About ThinCats

ThinCats is Europe’s largest peer-to-peer marketplace for secured business loans and has lent more than £150 million, since launching in 2011.

Members can lend to a range of UK businesses, diversified by sector, region and duration. This allows lenders to either select their preferred areas from a broad base or to build a diversified – and therefore lower risk – portfolio of ThinCats loans.


Pros...

  • Each loan is secured against an asset.
  • Broad range of loans offering the option to diversify.
  • ThinCats is authorised by the Financial Conduct Authority.
  • Member of the Peer-to-Peer Finance Association.

Cons...

  • No provision fund.
  • Your capital is at risk.
  • ThinCats is not covered by the FSCS.

Provision funds and insurance

ThinCats has no provision fund.

Key Data

  • Amount Lent/Invested: £150m
  • FCA Regulated?
  • Who chooses borrowers? Investor
  • Investment secured on Business Loans
Invest with ThinCats

Bespoke Terms

  • Potential Return:

       8.5%*
  • Term:

      Bespoke Term
  • Min. investment:

       £1,000
  • Secured on:

       Business Loans
  • Provision Fund:

       No
  • Early exit:

       Yes

*Indicates the gross return you could earn per year. This may vary depending on the investment you select


Your capital is at risk if you lend to businesses. Peer to peer lending is not protected by the Financial Services Compensation Scheme. Please read our full risk warning here.