Do your clients need unsecured cashflow?

We’re offering loans up to £5m, no security or guarantees needed

Partnering with CODE Investing

Get the best, most cost-effective finance for your clients through our diverse network of lenders. 

Good for your clients, good for you

We partner with investment and commercial banks, specialist lenders, leading asset managers, and institutional, private and pension funds. This gives your clients access to a greater variety of lenders, many of whom are otherwise unavailable to SMEs. Greater choice of lender in turn gives your client a greater choice of terms, structuring and price.

Rewarding Partnerships

We look to foster long term partnerships with finance brokers and professional advisors through our open and efficient processes.

Procuration fees vary from lender to lender but once your client has opted for a particular package then the split of any fees will be agreed with you in advance.

Contact us now and find out how you can partner with us and support your client’s finance aspirations.

The CODE Investing process

Loan process

Application

You input basic details online on behalf of your client.

Matching

Our matching engine identifies potential lenders for your client’s business needs.

Onboarding

Our Onboarding Team helps your client develop their proposal and guide them through the due diligence process.

Execution

We share your client’s proposal and our due diligence report with matching lenders and work closely with all parties to find the best finance option. Our team will work alongside your client and their chosen lender through to completion.

Start your client’s application

Funding options

Finance options:

Secured/unsecured Amortising/non-amortising  Structured  Mini-bonds, raising funds directly from the public

Ideally your client’s business should have:

 Capital requirement of between £500,000 and £20,000,000  Revenue in excess of £1,000,000 Up-to-date accounts  Projections

Finance options:

Senior debt Mezzanine  Bridging

Ideally your client’s project should:

 Require funding of £500,000 or more  Demonstrate experience or expertise in real estate  Have planning permission already in place  Be supported by a development appraisal if it’s a development

Building broker relationships

Developing strong relationships with brokers and professional advisors that are mutually beneficial is of paramount importance to us. It’s one of the many reasons we’re proud to be members of the NACFB.

NACFB Mebership logo

Intermediaries FAQs

How do I submit an enquiry?

You will need to register with us to submit enquiries.

Once you are registered you will be able to log in and use our online portal to submit enquiries.

If you have any questions during the enquiry process please contact the intermediary team here.

If an enquiry receives a positive response in the portal then this means it has met one or more of our lenders basic criteria. It does not constitute a lending sanction as other information is required before a full assessment of the enquiry for eligibility can be made.

Within the portal if an enquiry receives a positive response then you have 2 options as to what you would like to do next with the enquiry:

  1. Ask a question by pressing ‘I have a question’ button. This will raise a request to our origination and transactions teams who will contact you be the end of the next working day
  2. Submit the enquiry by pressing the ‘yes’ button where you will be asked to submit any supporting information you may have to assist us in providing you with a more accurate match and an indication of pricing. You can submit without any additional information by just clicking the ‘submit’ button. Submitted enquires will appear in your ‘live deals’ area on your portal dashboard.

For Secured loans e.g. commercial mortgages, property deals, asset based lending, we will need to contact your client, once we have obtained your permission to do so, to confirm their enquiry details.

For Unsecured loans we will need to contact your client, once we have obtained your permission to do so, to confirm their enquiry details and to check their understanding of the product and its requirements.

Do I need FCA permissions to register with CODE and introduce enquiries?

As a minimum we require our introducing intermediaries to authorised and regulated with the FCA. Alternatively Appointed Representatives of financial networks will need to check this. The network may have a restriction on which master brokers can be used by their AR’s.

Ideally we would like our introducing intermediaries to be members of a professional body such as the NACFB, ICAEW, etc.

We also require our introducers to provide a Data Protection licence number on registration. For more information on this please visit the Information Commissioner’s Office website.

How long does it take to register?

Registration is quick and straightforward to complete. There are the five simple steps to complete:

1. Read and accept our terms of business.

2. Provide your own personal details including the FCA number for your firm.

3. Confirm your address details and which club/network you are a member of.

4. Set up your user name, password and security question for future login.

5. We will then confirm that your application is complete.

What commissions do CODE pay?

Where the intermediary’s business model is to receive commissions from lenders for successfully placed business our standard commission terms are 50% of the day 1 commission we receive from the lender or arrangement fee charged to the client. We do also offer enhanced commission terms, please contact the intermediary relationship team here for more details.

We can also provide a non-commission based service for those intermediaries who may be charging their client a fee direct.

The agreement fees charged by CODE or our lenders do not change if the enquiry is received directly from the client or via an intermediary who is commission or no-commission based.

When will I get paid?

Within five business days of the end of the month in which CODE have received the corresponding payment for the services from our lenders.

In the online portal what information do I need to input?

You will need to input your client’s company number, how much they are looking to borrow, the purpose of the lend ‘what will they use it for’ and the ideal length of the lend requested ‘how long will they need it for’.

In the online portal what fields can I change?

In addition to the above ‘what information do I need to input’, the following fields can be manually inputted or adjusted:

  • Annualised revenue
  • Total debt
  • Total assets
  • Total liabilities
  • Total cash
  • Operating profit (EBIT or PBIT)
  • Depreciation and amortisation
  • Trade debtors
How do I know what’s going on with my applications?

This can be done in two ways:

1) By logging onto your dashboard and in the ‘live deals’ section reviewing the ‘next steps’ column.

2) By contacting the intermediary team here

Once your client’s application has been accessed and is proceeding you will be allocated a member of our transactions team as your point of contact.

For secured lending products applications will be progressed to completion by CODE working directly with client and introducer.

For unsecured lending products where a commission is not being paid to the introducer applications will be progressed to completion by CODE working directly with client and introducer.

For unsecured lending products where a commission is being paid to the introducer applications will be progressed to completion by CODE working directly with client only and introducer will be informed of the process of the application.

    Will my client be contacted?

    We will discuss this with you, your client will not be contacted without your permission.

    For Secured loans e.g. commercial mortgages, property deals, asset based lending, we will need to contact your client, once we have obtained your permission to do so, to confirm their enquiry details.

    For Unsecured loans we will need to contact your client, once we have obtained your permission to do so, to confirm their enquiry details and to check their understanding of the product and its requirements.

    Can CODE give the advice to my clients?

    Please see our TCF policy here  which states: ‘we don’t offer advice as we ensure that sufficient information is provided to a level of detail and is organised and structured in such a way that our customers should be able to decide for themselves which if any products may suit their circumstances’.

    Who has ownership over the client?

    Our intention is for you to be your client’s primary contact post transaction. Should your client approach CODE directly in the future we will let you know and discuss any possible commissions due to you.

    CODE may also be able to assist your client with forms of funding that you do not offer and should your client proceed with one of these we will also contact you to discuss any possible commission due to you.

    Some of our lenders have also requested that CODE support them with their portfolio monitoring for lending introduced to them via CODE. In these instances we will need to have an ongoing relationship with your client purely from a monitoring perspective.

    I’d like a training session on how to use your systems. Can someone come to my office?

    Yes. We have an Intermediary relationship team who can come to your office and talk you through the system, help you submit any enquiries you may have, explain our products we have access to and answer all your queries. If you would like to arrange a visit, please contact us now.

    What happens to records created on the portal?

    Access to these records will be made available to you via the dashboard. CODE will also keep a record of the enquiry. This will not be used for any other purposes than to resolve any conflicts should the same enquiry be submitted by two different parties or where an enquiry progresses to application where CODE’s CRM system is used to build and track the lending application.

    What other policies should I be aware of?
    If I’m having trouble logging in, what should I do?

    To log in, you will need to enter your username and password which you created when you completed the registration process.

    If you have tried unsuccessfully to log in three times you will automatically be locked out. If this occurs please contact the intermediary relationship team here for more details.

    If you forget your log in details please contact the intermediary relationship team here for more details.

      How do I change my personal details?

      Once you are logged in, under the My Details tab you will be able to change your password and memorable data.

      If you wish to change your address or contact details, please contact the intermediary relationship team here for more details.

      Didn’t find the answers you were looking for? Check here or contact us now.


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       CODE Investing is not a lender, it is a debt marketplace.