Specialist lenders looking to increase capital efficiency can raise additional funds from their future receivables, commonly referred to as ‘forward flow’. Using our Platform Lending facility, lenders can originate and service their loans whilst securing 100% of the loan value up front.

Why Shawbrook?

  • Experienced specialist teams, providing support throughout the relationship
  • A flexible approach, with facilities structured to match the nature of your business
  • Our deep industry experience and understanding means we can make informed decisions quickly

Platform Lending highlights

Making the most of your origination capabilities to keep finance flowing can be a critical enabler to your growth ambitions. 

  • Improved cashflow – Platform Lending takes the strain off cashflow, quickly releasing funds tied-up in loan receivables that can be used to grow the business
  • A new capital-light income stream - you collect a fee on the origination activity without requiring the equity or debt capital to fund the loans
  • Secure and reliable – as these facilities are committed for a number of years, you have certainty in today`s uncertain economic environment
  • Scalability – grow your existing business and enter new or adjacent markets without the capital constraints of retaining loans on balance sheet

About our Platform Lending facility

Catering for larger non-bank lenders who want funding with certainty, Platform Lending enables you to make the most of your originations and raise additional funds against a future income stream generated from receivables in your loan book. This facility eases cashflow and releases capital quickly, which is ideal for non-bank financial institutions who want to scale further, efficiently.

  • Committed forward flow facility with purchase volumes ranging from £50m - £120m per annum
  • Purchase rate – 100% of the principal value of the loan to the underlying customer
  • Repayment terms – collections are managed by the lender and passed across to Shawbrook
  • Servicing fee – payable to the lender
  • Fee – agreed case by case as a % of the rate charged to the underlying customer
  • Leverage size of balance sheet and cost of funds to materially grow origination capacity
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Explore our Specialist Lenders solutions

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Block Discounting

Our Block Discounting facilities enable companies to release capital from current live contracts without impacting the agreements arranged with their own clients.

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Revolving Credit Facility

Secured against portfolios of receivables, our wholesale Revolving Credit Facilities are structured to support the specific needs of each individual client.

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Fund Finance

Our Fund Finance facilities allow flexible draw-downs secured against either the uncalled capital of a fund’s investors, or the value of the fund’s assets.

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