Introduce commercial finance clients as a wealth manager with CoreFi
As a CoreFi introducer, you refer business-owner clients who need commercial finance and earn a share of the lender commission on each funded deal, not the arrangement fee or a percentage of the loan. The rate starts at 5%, rises to 8% after 10 funded referrals and 12% after 50, with a 15% ceiling. You keep the client relationship; CoreFi arranges, packages and manages the deal.
Business-owner clients talk to their wealth manager before they talk to a broker. We see it constantly: an acquisition needs funding, a development needs a bridge, a portfolio company needs working capital ahead of a new contract. The client trusts you with the full picture, so the question lands on your desk first. But arranging commercial finance is almost never inside a wealth management mandate, so most of that need gets passed on informally, unpaid, and never followed up.
We built an introducer arrangement to fix that. You make a warm introduction; our broker team handles everything from scoping to lender selection to completion. You earn a share of the lender commission when the deal funds. The client relationship stays yours, the finance work stays with us, and nothing in the arrangement changes your own advisory permissions or asks you to give finance advice.
- 1
Apply to become an introducer
Complete the short introducer application on the CoreFi introducers page. There is no fee to join and no minimum volume commitment. You tell us about your practice and the kinds of business-owner clients you work with.
- 2
Sign the referrer agreement
Sign CoreFi's referrer agreement, which sets out how introductions work, how your share of the lender commission is calculated and paid, and the boundaries of the arrangement. This is the point at which you can start referring clients.
- 3
Introduce a client who needs finance
When a business-owner client mentions a funding need, make a warm introduction to CoreFi. You can pass a single client or, if you have several, use the bulk referral upload. Our broker team picks it up and keeps you informed as the deal progresses.
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We arrange the deal and pay you on completion
We scope the requirement, match it to the lender panel, package and submit the deal, and manage it through to funding. When the deal completes, your share of the lender commission is recorded and paid. Your share rises as your count of funded referrals grows through the tiers.
How you earn: the structure, not the spin
You earn a share of the commission the lender pays us for arranging the facility. Not a percentage of the loan. Not a cut of the arrangement fee the client pays. The lender commission, specifically.
Your share is tiered by the count of funded referrals you have made:
| Funded referrals | Your share of lender commission | |---|---| | 0 to 9 | 5% | | 10 to 49 | 8% | | 50 or more | 12% |
The published headline is up to 12%. There is a 15% ceiling, reached through the same volume progression.
To put numbers on it: the average gross lender commission across our completed deals is around £3,600. At 5%, that is roughly £180 per funded referral. At 12%, roughly £432. These are illustrative figures drawn from that average, not a promise. Actual commission varies by product, lender and facility size, some deals pay more and some less, and you are only ever paid when a deal actually funds.
Why it fits a wealth management practice
Wealth managers carry the full financial picture for business-owner clients, but commercial finance rarely sits inside the fee or the mandate. That leaves a real, recurring need that goes unmonetised.
An introducer arrangement closes that gap without stretching your remit. You are not advising on the finance, arranging it, or carrying the credit decision. You make a credible introduction to a specialist broker who takes it from there. Your client gets a professional route to a curated lender panel instead of a search engine, and you get paid when the deal completes. The relationship, and the wider financial planning around it, stays with you.
Solving a live funding problem for a client, cleanly and at no cost to them, tends to strengthen the core advisory relationship rather than compete with it. Practical value at the right moment.
What we arrange
Commercial mortgages, bridging and development finance, asset and equipment finance, invoice finance, unsecured and secured business loans, and acquisition finance. The core of our panel is unregulated commercial lending to limited companies. That is where most business-owner finance sits.
Where a client is a sole trader, a partnership, or where a regulated product is involved, different rules apply. We handle those cases through the appropriate authorised route rather than asking you to assess them. If a referral falls into that territory, we tell you.
Where the introductions come from
Most come from your own book. A client mentions an acquisition, a property project, an equipment purchase, a cash-flow gap. You already know the moment because they tell you first.
We also run signal tracking across UK company records, using publicly filed data such as new Companies House charges, filed accounts and other public financial indicators, to help our broker team read where funding demand is building and time follow-ups sensibly. That is general market intelligence drawn from public records. It has nothing to do with your clients or your firm. Your introductions are yours to make, on your own judgement about which clients to refer and when.
Your regulatory position stays yours
We are a commercial finance broker. We are not a regulated personal financial adviser, and we are not the FCA-authorised adviser for your clients' personal or investment affairs. Nothing in this arrangement changes your own permissions or the basis on which you advise.
Introducing unregulated commercial finance to a limited company does not itself require FCA authorisation. That is a specific position, not a blanket one. Introducing finance to sole traders or partnerships, or anything involving regulated products such as consumer credit or regulated mortgages, can require permissions, and we route those cases accordingly.
Your own regulatory status, your obligations to your clients, and any requirement to disclose the referral arrangement under the rules that apply to you, remain entirely your responsibility. We do not manage your compliance. If you are unsure how an introducer arrangement interacts with your current permissions, check your own position before you start referring.
Frequently asked questions
What exactly am I paid on?
A share of the commission the lender pays CoreFi for arranging the funded facility. Not a percentage of the loan, not the deal value, not any arrangement fee the client pays. Your share starts at 5%, rises to 8% after 10 funded referrals and 12% after 50, with a 15% ceiling. It is based on your count of funded referrals, not the size of any individual deal.
How much could I realistically earn per referral?
It depends on the lender, the product and the deal, so nothing is guaranteed. As an illustration: the average gross lender commission across our completed deals is around £3,600, so a 5% share is roughly £180 per funded referral and a 12% share roughly £432. These are illustrative figures only. You are paid only on deals that actually fund.
Does this arrangement affect my own FCA permissions?
No. This is a commercial introduction arrangement for business finance and does not change your own regulatory position, which remains yours. We are a commercial finance broker, not a regulated personal financial adviser, and we do not take on your compliance obligations. You are responsible for any disclosure of the arrangement that your own regulatory rules require.
Do I need authorisation to refer business-owner clients?
Introducing unregulated commercial finance to a limited company does not itself require FCA authorisation. Introducing finance to sole traders or partnerships, or anything involving regulated products, can require permissions. We route those cases through the appropriate authorised channel rather than asking you to handle them. Your own regulatory position is yours to assess.
Will CoreFi try to cross-sell or take my client?
No. We arrange the commercial finance and nothing more. We do not offer your clients wealth, investment or advice services. The client relationship, and the wider financial planning around it, stays with you.
What does it cost to join, and is there a minimum?
There is no cost to join and no minimum volume. You are never charged, and your client is not charged more because you introduced them. You earn a share of the lender commission only on deals that complete.
How do I refer more than one client at a time?
You can make individual warm introductions through the portal, or use the bulk referral upload if you have several clients to pass across. The broker team picks up each introduction, arranges the finance across the lender panel, and keeps you updated on progress and completion.
Turn your clients' funding needs into recurring income
Join as a CoreFi introducer, refer business-owner clients who need commercial finance, and earn a share of the lender commission on every deal that completes, up to 12%, rising as you refer more. No cost to join, no minimum, and the client stays yours.
Become an introducer