ThinkSmart is a financial technology company, listed on the AIM London Stock Exchange and a leader in B2B and B2C digital, paperless, retail point of sale finance in the UK, since 2003. We are an intermediate finance company providing differentiated products to retailers in multiple sectors at the point of sale, in-store, online and through contact centres. Our products create value and advantage, as they help both consumers and business customers to choose more of the products they want, more often, where transaction values range from £250 to £15,000. ThinkSmart’s proprietary and proven technologies, include; SmartCheck an intelligent credit decision engine optimised for digital channels, e-signature providing paperless transactions for both in and out-of-store customer journeys and online basket integration. Operations and processes have been designed and built to bank standards and we have a strong compliance culture which is regularly audited by banking partners. ThinkSmart is one of the first companies in the UK to be awarded full FCA authorisation in our sector. A unique combination of retail and finance expertise has enabled our business to build strong and enduring relationships.
Stock ExchangeLSE
IndustryFinancial Services
World RegionPacific
CEOMr. Natale Ronald Montarello
Registered Year1996

  2017 2016 2015
  € m € m € m
Revenue 10 13 13
Total interest income
Total Interest Expenses
Net Interest income
Total Net Revenue
Earnings per share      
Basic 0.02 0.01
Diluted 0.02 0.01
Total current assets 9,101 10,568 25,933
Other assets 4,457 5,399 7,901
Total assets 23,556 25,775 51,771
Total current liabilities 3,686 5,388 9,012
Total liabilities 5,248 7,923 12,262
Total Equity 18,308 17,852 39,509
Net income -1,842 301 349
Net cash provided by operating activities 1 1
Net cash used for investment activities 2 2 1
Net cash provided by financing activities 2 2 12
Currency in EUR, All numbers in million.      

England Oceania