Commercial substance
We look past an easy label and assess the actual business, project, ownership and security.
FOR PROFESSIONAL INTERMEDIARIES
Keep the client relationship. Bring the full case.
A single point of contact for substantial commercial funding requirements, difficult cases and specialist collateral structures.
THE RELATIONSHIP
A clear introduction is more useful than a long application.
Tell us who needs funding, why, how much, by when, what the complication is and how they intend to repay. We can then decide what else the assessment needs.
Your role as the intermediary is recorded through the relevant broker arrangements. A client relationship manager takes the case through review and terms, with underwriting and counterparty requirements explained along the way.
See the client journeyFIRST CONTACT / SIX POINTS
- 01 Applicant and beneficial owners
- 02 Loan amount and currency
- 03 Commercial purpose
- 04 Timing and special factors
- 05 Assets and security
- 06 Repayment strategy
HOW WE WORK
Bring the opportunity. We’ll help test the route.
Evidence first
Financials, contracts, valuations and an honest account of weaknesses make the assessment more useful.
Terms before booking
The applicant reviews indicative terms and then Formal Terms before deciding whether to book the transaction.
Before you introduce a client
Does a bank decline prevent a review?+
No. Explain the bank’s reasons and provide the underlying transaction evidence. A decline does not establish eligibility, but it does not settle the matter by itself.
Is a broker’s client obliged to pay after the first discussion?+
No. Onboarding and underwriting begin, and the applicant receives indicative terms to assess the facility. If those are accepted, onboarding is concluded and Formal Terms are issued. The stated Booking Fee becomes payable only if those Formal Terms are accepted and the transaction is booked.
What happens if the Formal Terms do not work for the applicant?+
The applicant has no obligation to proceed or book the transaction. The actual terms and any subsequent contract obligations must be reviewed in the issued documentation.
Does an unusual or non-status case avoid underwriting?+
No. Identity, compliance, credit and commercial underwriting remain essential for every route.
JOIN THE BROKER DESK
Put the next introduction on a stronger footing.
Register as an intermediary or present an active case for an initial review.