Lender-matching engine for commercial finance
CoreFi's lender-matching engine scores each deal against the appetite, product criteria and borrower profile of every lender on its curated whole-of-market lender panel. Brokers see a ranked shortlist with per-lender fit scores, so they can approach the right lender first rather than blasting the market and burning relationships.
Sending a deal to the wrong lender costs you more than the time it takes to get a decline. It risks a footprint on the borrower's file and it burns goodwill with a lender you will need next week on a different deal. We built the matching engine because even experienced brokers, holding a decent panel in their heads, still miss the niche lender whose appetite exactly fits the deal in front of them.
The engine scores every active lender on our whole-of-market panel against the deal before you pick up the phone. It reads sector appetite, LTV and LTC thresholds, borrower type, deal size, and current submission tier, then returns a ranked shortlist with a documented score for each lender. Because it runs against the borrower profile already in your deal CRM, there is nothing to re-key. The criteria are built at the product level from each lender's own appetite notes and updated as the panel changes.
Scores every lender, not just the obvious names
Run a match and the engine evaluates every lender on the CoreFi panel against your deal. Every one of them. Each lender gets a score from 0 to 100 based on how closely the deal fits their appetite and product criteria. The most useful result is often the specialist lender that would not have appeared on a mental shortlist at all. You see the full ranked list, so niche options surface alongside the mainstream names rather than getting buried.
Criteria built from how lenders actually underwrite
Generic sourcing tools work from broad product categories and rough deal size. That is not how a BDM gives a first-sight yes or no. We store criteria at the product level: sector include and exclude lists by SIC code, LTV and LTC thresholds, DSCR thresholds, eligible borrower types (limited company, sole trader, SPV), minimum and maximum facility sizes, and whether the lender routes direct or via a packager. The match engine draws on the same kind of information you would get from a BDM briefing, applied consistently across the whole panel.
Anti-circumvention routing is enforced at the platform level
Some lenders on the panel are direct relationships; others are packagers or master-brokers operating under anti-circumvention clauses in their introducer agreements. CoreFi handles the distinction automatically. Direct lenders show full contact details, portal login, BDM name and phone. Packagers and master-brokers are presented via submission method only, without exposing the underlying lender relationships. Your agents do not have to police this manually. It is enforced in the platform so the brokerage cannot inadvertently breach a signed agreement.
Runs against the live deal record
The matching engine is integrated with the deal CRM. It reads the borrower profile, sector, funding requirement, security position and deal structure that your team has already captured. As the deal develops, re-run the match and see whether the shortlist shifts. The score always reflects the current state of the deal, not a frozen snapshot from day one. No re-keying, no separate form.
A documented rationale, not a gut call
Expectations around how lenders are selected are rising, even in unregulated B2B finance. A structured match score gives your team a written rationale for why a specific lender was approached first. That matters for internal quality control, for training junior brokers, and when a client asks how you decided who to go to. The match is a planning tool, not a submission; no credit enquiry is made until you and the borrower decide to proceed. Note that CoreFi provides the platform and the panel, not professional indemnity insurance; your brokerage arranges its own cover where a lender or your own risk position requires it.
Frequently asked questions
How is this different from a generic sourcing tool?
Sourcing tools match on broad product type and deal size. Our engine matches at the product level: sector appetite by SIC code, LTV and LTC thresholds, DSCR, eligible borrower types, and the lender's actual submission tier and routing rules. It also runs against the borrower profile already in your CRM. No separate form, no re-keying.
Can we add our own lender relationships to the panel?
The panel is curated and maintained centrally so that criteria stay accurate and current. If your brokerage has direct lender relationships not already on the panel, raise that when you book a demo and we can walk through how those are handled.
What happens when a lender tightens their appetite?
Appetite notes and product configurations are updated on the panel as information comes in from BDM conversations, appetite communications and deal outcomes. The match engine runs against the current configuration every time. A lender that has stepped back from a sector will score lower on affected deals without any manual intervention from you.
Does the matching engine cover regulated products?
CoreFi is built around unregulated B2B commercial finance. Regulated products sit outside the core scope. Where a deal touches a regulated product, the platform flags it for appropriate referral rather than attempting to route it. CoreFi is not FCA-authorised.
Does running a match leave any record on the borrower's credit file?
No. Running the match is an internal scoring exercise against lender criteria within CoreFi. No application is submitted and no credit enquiry is made until you and the borrower decide to proceed with a specific lender.
See the matching engine on a real deal
Book a demo and we will walk through a live deal match against the CoreFi panel: how the scoring works, what the ranked shortlist looks like, and how it connects to the deal CRM and submission pack workflow. Pricing and access are discussed during the demo.
Book a demo