What can I earn as a self-employed CoreFi commercial finance broker?
As a self-employed CoreFi broker you keep a share of the commission CoreFi earns from the lender on each funded deal. The split starts at 55% on self-sourced deals and rises with your lifetime commission earned. It is variable, uncapped, and not guaranteed; income depends entirely on the deals you place.
We work with self-employed brokers, not employees. You run your own book. CoreFi gives you the lender panel, the deal tooling and the platform infrastructure; you bring the conversations with business owners and the deals that come from them. When a deal funds, the lender pays CoreFi a commission and you keep a share of it. That share starts at 55% on business you source yourself and rises as your lifetime commission earned grows, with no upper cap. There is no salary and no guaranteed income, and we will not pretend otherwise. What you earn is a direct function of what you place and complete. This page explains the mechanics precisely, so you know exactly what you are looking at before you apply.
- 1
Understand the split
Your earnings are a share of the commission CoreFi earns from the lender on each completed deal. The split starts at 55% on self-sourced deals and rises with your lifetime commission earned to 60%, 65% and 70% at the stated thresholds. It is variable and not guaranteed.
- 2
Apply to join
Submit an application to become a self-employed CoreFi broker. This is a B2B arrangement, not employment. You will need to complete identity verification and a compliance review as part of onboarding.
- 3
Complete onboarding and compliance
Finish the structured onboarding, sign the introducer agreement, and meet CoreFi's compliance requirements. That is the point at which you get access to the lender panel and deal tooling and can start placing deals.
- 4
Source deals, place them and earn your share
Bring commercial finance enquiries through the platform, run the matching engine, package the submission and get your client's sign-off before it goes to the lender. When a deal funds, your share of the lender commission is recorded in the platform and paid on the standard schedule.
You keep a split of the commission, not a cut of the loan
When a deal completes, the lender pays CoreFi a commission on that facility, and you keep a share of that commission. Not a percentage of the loan amount. Not a fixed fee per deal. This is not the introducer model either, where a referrer takes a smaller referral slice for passing a lead over. This is an agent split: you worked the deal, so you keep the majority of what CoreFi earns on it. Because your income tracks real lender commissions on completed deals, it is variable by definition. No deal funds, no commission. Brokers have strong months and quiet ones; both are possible and neither is guaranteed.
Your split starts at 55% and rises with lifetime earnings
On deals you source yourself, the split starts at 55% of the commission CoreFi earns from the lender. It moves up in steps as your lifetime commission earned accumulates: 60% once you pass £50,000, 65% at £1,000,000, and 70% at £2,500,000. The tier you reach stays with you; it does not reset. On deals where CoreFi provides the lead rather than you sourcing it, the split is lower, starting from around 45% on referrer-sourced leads and around 35% on organic platform leads, again rising with your lifetime total. Two things drive your share: how much of the deal you sourced yourself, and how much you have placed in total. Both push it up. There is no upper cap on total earnings.
A worked example, illustrative only
Take a bridging deal where the lender pays CoreFi a gross commission of £7,500. On a self-sourced deal at the entry split of 55%, your share of that single commission is around £4,125. A different deal, with a different lender and product, produces a different figure. Some will be larger; most will be smaller. Clawback can also apply if a deal cancels or defaults within the clawback window, which reduces what you receive on that specific case. These numbers illustrate the split mechanics; they are not a forecast. Your actual income depends on deal volume, deal size, lead source and where you sit in the tier structure. We will not quote you a monthly or annual figure, because there is no salary behind it.
This is a self-employed arrangement, not a job
We do not employ brokers. There is no salary, no holiday pay, no sick pay, no guaranteed hours and no employee benefits. You operate through your own limited company, invoice for commission earned, and handle your own tax and National Insurance. That is the trade. In return, you keep a meaningful share of every deal you fund, you work on your own terms, and your earnings are not capped by a pay grade. This is not for people who want the certainty of a salary. It rewards the effort you put in: the harder you work and the more you place, the more you earn.
If you are switching from another network or franchise
If you are moving across from another broker network or a franchise, check your existing agreement before you place anything through CoreFi. Look for the notice period, any restrictive covenants, and client non-solicitation clauses. Those terms can bind you for a period after you leave and can cover clients you dealt with there. We are not asking you to breach them and we will not help you do so. Get your own advice if the wording is unclear, and do not bring across business you are contractually restricted from taking. Start with fresh conversations and a clean book.
What CoreFi provides
You get access to our commercial finance lender panel, a deal CRM with full pipeline and stage history, a lender-matching engine that scores your panel against appetite and product criteria, document handling for borrower onboarding and submissions, and structured broker training. The panel and tooling here are the part that is genuinely hard to assemble. You do not have to cold-call lenders to get on their books first; you place deals through CoreFi's existing relationships from day one. Access is conditional on completing onboarding and meeting CoreFi's compliance requirements, and the panel and tools available may change over time.
Regulatory position, in plain terms
Broking unregulated commercial finance to limited companies does not require FCA authorisation. That covers the core products most commercial brokers place: unsecured loans, asset finance, invoice finance, bridging and development finance to limited-company borrowers. It changes when the borrower is a sole trader or partnership. Under Article 36A(4) of the Regulated Activities Order, broking to sole traders or partnerships can require FCA permission even for otherwise-exempt business loans. Regulated products, including consumer credit and residential mortgages, always need FCA authorisation or an appointed representative arrangement. CoreFi is a broker platform, not an FCA-authorised firm. If a deal looks like it may cross the regulatory line, ask before you place it.
Frequently asked questions
Is CoreFi broker income guaranteed?
No. There is no salary and no guaranteed income. You are self-employed and your earnings depend entirely on the deals you source and complete. Some months you may earn nothing. Income is variable and can be nil in any given period.
Is this a job or a self-employed arrangement?
It is a self-employed B2B arrangement. CoreFi does not employ brokers. There is no salary, no guaranteed hours, no holiday pay and no employee benefits. You operate through your own limited company and are responsible for your own tax and National Insurance.
How is my split calculated?
You keep a percentage of the commission CoreFi earns from the lender on each funded deal. It starts at 55% on self-sourced deals and rises to 60% at £50,000 lifetime commission earned, 65% at £1,000,000 and 70% at £2,500,000. Leads provided by CoreFi carry lower splits, from around 45% on referrer-sourced leads and around 35% on organic platform leads.
Do I earn a percentage of the loan amount?
No. Your earnings are a share of the commission CoreFi receives from the lender on each funded deal. Not a percentage of the loan, not a fixed fee per deal.
Is there a cap on what I can earn?
No upper cap on total earnings. The split percentages are fixed at the tier thresholds, but the number and size of deals you place is entirely up to you.
Do I need to be FCA-authorised?
Not for the core model. Broking unregulated commercial finance to limited companies does not require FCA authorisation. Broking to sole traders or partnerships, or placing regulated products, can require permission. CoreFi's training and onboarding covers where the line sits, and you should ask before placing any deal that may cross it.
I am moving from another network or franchise. What should I check?
Read your existing agreement first. Check the notice period, any restrictive covenants and client non-solicitation clauses, because they can bind you after you leave and may cover clients you dealt with there. Do not bring across business you are contractually restricted from taking, and get your own advice if the wording is unclear. CoreFi will not help you breach an existing agreement.
What does CoreFi provide?
Access to our commercial finance lender panel, a deal CRM, a lender-matching engine, document handling for borrower onboarding and submissions, and structured broker training. Access is conditional on completing onboarding and meeting compliance requirements.
When do I get paid?
Commission becomes payable when a deal funds and CoreFi receives the commission from the lender. Payment follows the standard schedule. Clawback can apply if a deal is cancelled or defaults within the clawback window, which affects what you receive on that case.
Apply to become a self-employed CoreFi broker
Keep a growing share of the lender commission on every deal you place, starting at 55% on self-sourced deals and rising with your lifetime commission earned. No cap. No franchise fee. No salary either: income is variable and depends entirely on the deals you complete.
Apply to become a broker