Our People

The source of capital and expertise for AltFi business lending.

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Established origination, deep institutional experience and innovation in SME lending

ESF Capital provides capital and expertise to the SME alternative finance (AltFi) industry.

ESF’s focus is on providing secured loans to SMEs through select AltFi platforms. It has a strong origination orientation, supported by smart technology and proprietary credit analytics. This is combined with diverse lender sources, who are attracted by the strong potential returns.

ESF was founded on the belief that acumen and experience within the financial industry must be the bedrock of any successful AltFi business. Its management team have all held senior roles in global institutional finance.

This approach allows ESF to address the needs of platforms, borrowers and their advisers, and investors in the AltFi SME lending market.


ESF has developed strategic relationships with a number of AltFi platforms. It owns Europe’s largest SME secured P2P lender, ThinCats, has a stake in a smart invoice finance business, Satago, and lends across these and other selected platforms.


ESF provides access to lending opportunities with SME borrowers at attractive rates of return through various types of investment structures.


ESF offers business borrowers ease of access to funding, through a straightforward and transparent application process via the AltFi lending platforms we invest in.

Business Introducers

ESF partners with business professionals who help their SME clients raise loan finance.