More about wholesale finance


A variety of structures can be put in place, with different levels of security and protection. The two typical ones are called forward flow and loan-on-loan.

Forward flow structures

Provide funding for up to 100% of another lender’s loans or an agreement to buy a set of loans, based on pre-agreed eligibility criteria. If the lender lends outside of the agreed criteria or in other pre-specified scenarios, they would be obliged to buy back the loans.

Loan-on-loan structures

Provide a proportion of the lender’s advance to a borrower, typically at an advance rate of 70%-90%. While the lender injects 10%-30%, which remains subordinated to the provider of wholesale finance.

Meet the Wholesale Finance team

Find out more about the Wholesale Finance team and its expertise

4 people business meeting - case study