24 institutions
Licensed commercial banks
Deposit-taking banks regulated in their home jurisdiction, providing term loans, revolving facilities and commercial mortgages. These carry our keenest pricing and our longest terms.
Now serving clients across Europe, the Middle East, Asia, North America, and OceaniaFunding via our corresponding partner financial institutionsAverage closing time: 18 days, 4 hours faster than industry average
Our NetworkPartner
Partner
institutions
We are not a balance-sheet lender. Every facility we arrange is funded by a licensed corresponding partner institution, selected from a network of more than sixty banks, specialist financiers and credit funds. Because we hold no lending book of our own, we have no incentive to place you anywhere other than where your application is strongest.
The network
Four kinds of funder, one process
You complete one application. We match it against the institutions whose credit appetite fits your profile, and you receive indicative terms without having to approach each one yourself. Individual institutions are named to you in writing once terms are issued — client confidentiality and our correspondent agreements prevent us from publishing the list.
11 institutions
Specialist real estate financiers
Lenders whose underwriting is built around property: development finance, portfolio refinance, bridging and investment mortgages, assessed on asset quality as much as on covenant.
16 institutions
Private credit and debt funds
Institutional funds that accept structures a clearing bank will not — growth capital, cash-flow lending, and transactions that must complete to a deadline rather than to a committee calendar.
9 institutions
Asset and equipment financiers
Providers of hire purchase, leasing and refinance secured on plant, vehicles, machinery and technology, including cross-border arrangements for equipment delivered in another country.
Due diligence
What an institution must prove before we place a single file
Admission to the network is not commercial. Every institution is reviewed against the standard below at onboarding, reconfirmed annually, and removed without notice if it falls short.
Reviewed annually · removed on any material regulatory finding
- 01
A current licence or authorisation from the financial regulator of its home jurisdiction, verified at onboarding and reconfirmed annually.
- 02
Audited financial statements demonstrating capital adequacy and a stable funding base.
- 03
Documented anti–money laundering, know-your-customer and sanctions screening procedures that meet or exceed our own.
- 04
Written data protection undertakings consistent with the UK & EU GDPR and PIPEDA, including approved transfer mechanisms.
- 05
Transparent fee and rate disclosure, with no undisclosed commissions payable to us or to any intermediary.
- 06
Demonstrated fair treatment of borrowers in arrears, including forbearance procedures we consider reasonable.
Coverage
Where our funders sit
| Region | Advisory desks | Institutions |
|---|---|---|
| United Kingdom & Ireland | Chester · London · Dublin | 18 |
| Continental Europe | Frankfurt · Amsterdam · Zurich | 21 |
| Asia | Singapore · Hong Kong | 12 |
| Australia & New Zealand | Sydney · Auckland | 7 |
| North America | Toronto · New York | 6 |
How we are paid, stated plainly
We charge you nothing to enquire and nothing to receive indicative terms. Where a facility completes, the funding institution pays us a disclosed arrangement fee, which appears on your offer document before you sign anything. We accept no volume incentives, no retrospective bonuses, and no payment that would reward us for placing you with one institution over another. Loans are subject to approval on credit, and the institution — not The Commercial Lender Ltd — makes the final decision.
FCA & FSRA #13561105