Become a commercial finance broker with no experience
Yes, you can start commercial finance broking with no experience. CoreFi provides training, a lender panel and deal support as a self-employed partner. You keep a share of the commission CoreFi earns from lenders, starting at 55% on self-sourced deals. Income is variable and not guaranteed.
Commercial finance broking is one of the few B2B fields you can enter without a formal background, a licence exam or years of prior experience. What you need is a willingness to learn, to talk to business owners, and to follow a clear process. CoreFi gives you the training, the lender panel and the deal-side support to place real business funding, and you build your own book as a self-employed partner. This is not a salaried job and income is not guaranteed; what you earn depends on the deals you place. Below is an honest look at how it works, what you can realistically earn per deal, and how the commission split grows as your track record builds.
- 1
Apply to join
Complete the short application on the for-agents page. Tell us about your background; no finance experience is required, just a willingness to learn and to talk to business owners.
- 2
Complete onboarding and training
Work through structured onboarding and product training, sign the terms of business, and get access to the lender panel and deal tooling. You learn which deals you can place and how to package them.
- 3
Place your first deals
Start with the business owners in your network and the leads available to you, match them to lenders on the panel, and submit clean cases. You keep your share of the commission on every deal that completes.
You do not need prior experience to start
Commercial finance broking to limited companies is a learnable skill, not a credential. You are matching a business that needs funding to a lender who wants to lend, and packaging the request so it gets a clean decision. CoreFi trains you on the products (asset finance, invoice finance, bridging, commercial mortgages, business loans and more), how to read a deal, and how to speak to a business owner. You start placing simpler cases and take on more complex ones as your confidence grows. Plenty of good brokers came from sales, recruitment, property, accountancy support or running their own small business, not from finance.
How you actually earn
When a deal completes, the lender pays CoreFi a commission. You keep a share of that commission. The split is not a percentage of the loan and it is not a fixed fee. On deals you source yourself it starts at 55% and rises with your lifetime commission earned: 60% once you pass £50,000, 65% at £1,000,000 and 70% at £2,500,000, with no cap. On leads that CoreFi provides to you the split starts lower (from around 45%, and around 35% on some organic leads), because the lead came from us rather than from your own work. As your track record builds, your split improves and stays there.
A realistic per-deal example
Take a bridging case as an illustration only. If the lender commission to CoreFi on that deal is around £7,500, then at the entry split of 55% on a self-sourced deal your share would be around £4,125. Larger or smaller deals, and different products, pay different commissions, so this is one worked example rather than a typical or expected figure. Some deals will pay less and some more. There is no guaranteed number of deals and no guaranteed income; what you earn is entirely a function of the cases you place and complete.
A self-employed partnership, not a job
You work with CoreFi as a self-employed partner, not an employee. There is no salary, no set hours, no holiday pay and no employee benefits. You are responsible for your own tax and for how you run your day. In return you keep a real share of what you place, you build your own client relationships, and you are not capped. If you want the certainty of a salary, this is not that; if you want upside tied to your own effort, this is built for it.
The regulatory position, in plain terms
Broking unregulated commercial finance to limited companies does not require FCA authorisation, which is why you can start without a licence. Some activity does need permission: broking to sole traders or partnerships, and certain regulated products, fall under FCA rules, and CoreFi keeps those cases inside the appropriate route. CoreFi is not an FCA-authorised or regulated firm and does not present itself as one. Your training covers where the line sits so you always know which deals you can place directly and which need a different path.
Training and support so you are not on your own
You get structured onboarding, product training, conversation scripts, a live lender panel with real appetite information, and deal-side help when a case is complex. The platform surfaces which lenders fit a given deal and what each one needs to see, so you are packaging cases properly from day one. You bring the conversations with business owners; CoreFi brings the lenders, the process and the tooling.
Frequently asked questions
Do I really need no experience to start?
No prior finance experience is required. CoreFi provides training on the products, the process and how to speak to business owners. You start with simpler cases and take on more complex deals as your confidence and track record grow.
How much can I earn per deal?
You keep a share of the commission CoreFi earns from the lender, starting at 55% on deals you source yourself. As an illustration only, a bridging case with around £7,500 lender commission would pay around £4,125 at the 55% split. Deals vary widely and income is not guaranteed.
Is this a salaried job?
No. This is a self-employed B2B partnership. There is no salary, set hours, holiday pay or employee benefits, and you handle your own tax. Your income is variable and depends entirely on the deals you place and complete.
How does the commission split grow over time?
On self-sourced deals the split starts at 55% and rises with your lifetime commission earned to 60% at £50,000, 65% at £1,000,000 and 70% at £2,500,000, with no cap. Leads that CoreFi provides start at a lower split, from around 45%, because the lead came from us.
Do I need to be FCA authorised?
Broking unregulated commercial finance to limited companies does not require FCA authorisation. Broking to sole traders or partnerships, and certain regulated products, does need permission, and CoreFi keeps those cases inside the correct route. Your training covers where the line sits.
What support do I get as a beginner?
You get structured onboarding, product training, conversation scripts, a live lender panel with appetite information, and deal-side help on complex cases. The platform shows which lenders fit a deal and what each needs, so you package cases properly from the start.
Start your commercial finance broking journey
No experience required. Get the training, the lender panel and a real commission split as a self-employed partner. Income is variable and depends on the deals you place. Apply to get started.
Apply now