The source of lending capital for small businesses.

 

  • ESF is the source of lending capital for small businesses in the UK.
  • For borrowers we provide secured loans in the £100k to £5 million range over a period of up to 5 years.
  • For lenders we provide access to an asset class with strong potential risk-adjusted returns, enhanced by securing loans against the assets or income of borrowers.
  • We originate secured loans using proprietary data and technology combined with traditional relationships with a network of business introducers.
  • We use multiple origination channels to drive capacity and diversity.
  • Our lenders benefit from both a strong quantitative loan grading process together with a traditional credit and underwriting team who review every loan.
  • We service loans throughout the lifecycle using our proprietary marketplace lending platform.
  • Our management team have held senior roles in institutional finance and banking with a diverse set of skills and deep experience across the core functions of credit analytics and underwriting, loan origination, fund management, loan monitoring and recoveries, loan and asset management operations, technology, finance and compliance.
  • We operate under the ESF Capital brand for the professional investor market and offer partial or whole loans for investment.
  • We operate under the ThinCats brand for borrower and retail lender markets who can lend directly on our marketplace lending platform.