Marion is an experienced entrepreneur with exposure to multiple sectors and complex projects, mainly in Renewable Energy, Healthcare, Construction Industry, Technology and Finance.
Talented Business Development professional with considerable experience in turning opportunities with attractive returns and acceptable risk into bankable investment proposals. Blends finance industry experience, business acumen and entrepreneurial mind-set to successfully deliver across sectors and geographies.
Leverages strong technical grounding and forward, strategic and performance-driven thinking to develop influential proposals aimed at achieving immediate and long term goals.
With a degree in Banking and Finance after studying in London, he has successfully lead the development and full finance of £10m+ renewable energy projects and is the co-founder of a successful healthcare business with clinics in and around London.
Interested in diversity and the challenges SMEs face in acquiring finance solutions, Marion has built a genuine interest in assisting businesses reach their goals and maintain an ongoing relationship throughout their journey.
ThinCats is an online peer to peer lending platform specialising in loans with security. ThinCats links experienced investors with established business borrowers to provide a serious alternative to high street banks. ThinCats offer a different class of investment which provides an attractive rate of interest and regular fixed monthly payments of interest and capital.
Intended to meet the needs of anyone managing an investment portfolio (including individuals, pension fund managers and companies with cash deposits), ThinCats provides direct access to a market sector traditionally occupied by high street banks.
Borrowers can get loans of up to £5m over periods ranging from a few months to five years or more at competitive rates in order to develop their business.
Accredited Sponsors – Bringing financial Expertise to Peer to Peer
The online lending platform that is ‘ThinCats’ works in close partnership with a network of financial professionals whose clients wish to borrow funds for their business. These financial professionals are called ‘Accredited Sponsors’.
Sponsors are a primary point of contact for potential borrowers. Loans only feature on the ThinCats platform if they are supported by a dedicated Sponsor. Sponsors are required to be experienced banking or financial professionals, fully capable of helping loan applicants make their case and be confident in supporting each application.
The Sponsors are responsible for the quality of the deals they bring to the platform, along with the regulatory and legal due diligence.
P2P funding, since 2010, has allowed businesses to bypasses the banks and borrow money directly from individuals. Businesses get the funding they need, and lenders get a better rate than leaving their money in the bank. In between the borrower and the lender stands the P2P platform which facilitate the provision of loans to businesses and property developers, through a network of investors who decide the quantum of their bid and the interest rate. Because each loan is structured as a term loan with a fixed monthly repayment, interest costs can be predicted with certainty; there is no exposure to market fluctuations. The platform handle the collection and distribution of loans and repayments.
Borrowers not only receive funds that they would not be able to obtain from high street banks but often at more favourable rates. Funds can also be obtained quite quickly. Funds can be used for growing the business, working capital, buying an asset or developing a property.
Typically deals have the following features:
In order to establish your requirements please contact Miles@afbl.loans with the following information:
P2P funding, since 2010, has allowed businesses to bypasses the banks and borrow money directly from individuals. Businesses get the funding they need, and lenders get a better rate than leaving their money in the bank.
In between the borrower and the lender stands the P2P platform which facilitate the provision of loans to businesses and property developers, through a network of investors who decide the quantum of their bid and the interest rate.
Because each loan is structured as a term loan with a fixed monthly repayment, interest costs can be predicted with certainty; there is no exposure to market fluctuations. The platform handle the collection and distribution of loans and repayments.
Lenders can earn more from their investments than they would from a high street saving account, often between 8% and 13%. Lenders normally seek some security for their lending as they are not covered by the Financial Services Compensation Scheme.
All new loans listed by ThinCats will be issued with a Credit and Security Grade, represented by a series of “stars” and “padlocks” respectively. These are assigned based on in-depth analysis performed on the company requesting the loan, its directors, and the security pledged against the loan.
Credit Grade Stars range from five stars (lowest risk of default) through to one star (higher risk of default).
Security Grade Padlocks range from five padlocks (highest security in relation to recovery of investment upon default) through to one star (lowest security in relation to recovery of investment upon default).
The gradings support your investment choice, they do not replace it.
The decision as to whether or not to invest in an individual loan will always rest with the investor.
Lenders are encouraged to perform their own due diligence on each lending opportunity before any investment is made.
Since the new pension freedoms people are now investing their pensions in P2P loans.
The interest rates of peer to peer lending are making it an increasingly attractive alternative. While there’s always an element of risk, the consistent performance of peer to peer lending has convinced many people that the rewards outweigh the risks.
ThinCats’ robust and diligent processes for assessing business proposals and vetting applications for loans have made them an industry leader and cemented their reputation for high quality, lower risk deals.
Note: Since everyone’s financial situation is different, it is important for you to seek independent financial advice before taking any action.
There are two ways of using your pension to invest in peer to peer lending. You can use a Self Invested Personal Pension (SIPP) or Small Self Administered Scheme (SSAS).
With SIPPs and SSASs you are in control of exactly how and where your pension is invested. Interest earned by a SIPP / SSAS is tax free**, and they are particularly effective for higher rate tax payers because funds transferred to a pension fund immediately attract tax relief at your marginal tax rate.
We work with two providers to help investors establish a SIPP / SSAS that can lend through ThinCats.
**Tax treatment depends on the individual circumstances of each client and may be subject to change in the future
Provide your account details
Please read this section carefully. It discloses the key risks to which you are exposed when undertaking peer to peer business lending. There may be other risks relevant to individual business lenders to which you are exposed and which will be in addition to this general risk warning.
Advice
As ThinCats do not offer advice, we would recommend that you take advice from an independent financial adviser before committing your funds to ensure that you fully understand the risks, and are satisfied that peer to peer lending is appropriate for you, and meets your needs and personal financial circumstances.
‘Specialists in Business Finance Solutions with particular expertise in P2P funding’
Flexible short Term funding typically representing 60-90 days Sales
3rd.Party Sales Ledger Management & Debt collection Services
Our Team have been associated with the P2P funding market since 2013 and can ensure that your proposal is appropriately structured
Previously a Founding Partner with F&P LLP Miles has three years experience of the P2P/Alternative Finance Industry and has experience of raising more than £54m for UK businesses with ThinCats. Miles specialises in Green Energy, Residential and Commercial Property Development, Restaurant Chains. Miles assesses risk and potential and assists businesses through periods of corporate change, inspiring and motivating people as they navigate through re-organisation’
Previously a Senior Consultant with Freedman & Partners LLP Rob has chaired, directed and advised major businesses including Morrison Plc and The Automobile Association. He is a Fellow of the Institute of Chartered Accountants and of the Institute for Turnaround. He has wide experience in fundraising, turnaround and restructuring. His speciality is Transportation: Rail, Road, Airline & Shipping. Rob has worked in Alternative Finance since 2015.
Annabelle is a Chartered Accountant and a turnaround specialist, providing SME consultancy and lending support to banks. She started her career at PwC in London, specialising in complex restructuring projects in the UK, US, Asia and Europe. Annabelle has worked in Alternative Finance since 2015 and additionally runs a successful turnaround practice.
John Pennie was for over 30 years a partner in a large nationwide law firm specialising in company restructuring and turnaround. John is also the vice chairman of the Institute for Turnaround and an active board member of it and several other companies and trusts.
Alan is a Chartered Accountant and turnaround specialist. Having trained and qualified with KPMG in London, he developed his career in industry where he has built up over 25 years’ experience as a Finance Director. During the past 15 years he has held roles as CFO and acting CEO for a family-owned, global business in Catering & Hospitality where he was responsible for completing the sale of a diverse business portfolio with revenues exceeding US$1 billion, and as Segment Finance Director for one of the world’s largest Integrated On-Site Services Management companies. Previous career experience includes IPO leadership and turnaround within a listed company. Alan is a member of the Institute for Turnaround.
Sandeep brings a wealth of knowledge and experience of commercial lending most recently from is time with RBS where he arranged over £20m funding for SMEs over the last 10 years. He specialises in the Healthcare sector and has extensive lending experience and understanding of commercial lending and specialist finance services. Sandeep has a track record in successful relationship management, business development and networking throughout the business community. He is the Chairman of the Southampton Business Board, Hampshire Chamber of Commerce (as well as a non-executive Director, Hampshire Chamber of Commerce), President AM Connect Rotary Club Southampton, Board member of The New Forest Business Partnership, Board member Southampton Connect (Southampton City Council) and a Board Member of the Finance & Accountancy Group, Southampton Solent University. Sandeep also makes time to guest lecture at the university and to provide careers advice to school children through The Careers & Enterprise Co (Solent LEP).
Marion is an experienced entrepreneur with exposure to multiple sectors and complex projects, mainly in Renewable Energy, Healthcare, Construction Industry, Technology and Finance. Talented Business Development professional with considerable experience in turning opportunities with attractive returns and acceptable risk into bankable investment proposals. Blends finance industry experience, business acumen and entrepreneurial mind-set to successfully deliver across sectors and geographies. Leverages strong technical grounding and forward, strategic and performance-driven thinking to develop influential proposals aimed at achieving immediate and long term goals. With a degree in Banking and Finance after studying in London, he has successfully lead the development and full finance of £10m+ renewable energy projects and is the co-founder of a successful healthcare business with clinics in and around London. Interested in diversity and the challenges SMEs face in acquiring finance solutions, Marion has built a genuine interest in assisting businesses reach their goals and maintain an ongoing relationship throughout their journey.
The diagram is a summary of the operational process of the platform from the perspective of the Borrower: CLICK HERE TO CONTACT US
The diagram is a summary of the operational process of the platform from the perspective of the Borrower: CLICK HERE TO CONTACT US
The diagram is a summary of the operational process of the platform from the perspective of the Investor: CLICK HERE TO CONTACT US
The diagram is a summary of the operational process of the platform from the perspective of the Investor: CLICK HERE TO CONTACT US
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The table below splits the loan repayment each month into interest and capital
Notes:
Defaqto, the independent and trusted industry standard for assessing the quality of financial products, has recently developed stringent evaluation criteria for the growing UK peer-to-peer lending industry. ThinCats’ platform is currently just one of four to achieve a Defaqto 5 Star Rating.
ThinCats is pleased to announce its patronage of NACFB. The National Association of Commercial Finance Brokers is a trade body for business finance mediators, founded in 1992 in response to the growing incidence of fraud in the commercial finance arena. It primarily exists to ‘maintain, promote and, when appropriate, enforce a Code of Practice, for the advancement of the members to increase their knowledge and professionalism on behalf of the Commercial Finance Industry.’ Beyond this, the body works to encourage good practice, education, training and transparency – all key factors in ThinCats’ own business strategy.
Phone:
0148-300-0000
0787-246-9143
Trading Address:
3rd Floor, Steward House, 14-16 Commercial Way
Woking, Surrey GU21 6ET
Registered Office
Elm House, Tanshire Park, Shackleford Road,
Elstead. Godalming. GU8 6LB
Company Registered Number – 10403807