The Aftersales Network Limited
Lender Panel Charter
Curated lender access, wider market reach and disciplined funding selection.
Our lender relationships are managed to support appropriate, competitive and deliverable funding outcomes for established businesses, property investors and professional advisers.
We assess more than headline pricing. Structure, suitability, lender appetite, service capability, execution risk and the client’s wider commercial requirement all matter.
We do not simply search for finance. We structure the requirement, position the case and identify funding routes with a credible prospect of delivery.
Our Approach
Our lender panel is not static. Relationships and available funding routes are reviewed against lender appetite, credit criteria, service performance, product capability and real case experience.
This allows us to combine the discipline of established lender relationships with the flexibility to consider the wider market where appropriate.
The proposed funding route is shaped by the facts of the case, the client’s requirements and the lender’s ability to deliver. No lender is selected solely because it offers the lowest advertised rate or pays a particular level of commission.
What Curated, Whole of Market Sourcing Means
We maintain active relationships across the commercial finance market and may approach lenders outside our established panel where the circumstances justify a wider search.
Curated relationships
We prioritise lenders with relevant appetite, credible delivery capability and service standards suited to the transaction.
Wider market sourcing
Where an established panel relationship is not the best fit, we may assess other suitable lenders and specialist funders across the market.
Whole of market sourcing does not mean that every lender or product in the United Kingdom will be reviewed or available in every case. Some lenders operate through restricted channels, apply their own eligibility criteria or may not accept broker introduced business. Our role is to identify and assess credible routes that are relevant to the requirement.
Panel Selection Standards
Every lender considered for a client requirement is assessed against standards that prioritise suitability, delivery and the quality of the overall outcome.
Credit Quality
Consistency of underwriting, clarity of criteria and the ability to support the intended transaction structure.
Product Competitiveness
Practical competitiveness across pricing, fees, flexibility, term, security, repayment profile and exit requirements.
Service Standards
Communication, reliability, speed of execution and the quality of support available throughout the process.
Client Fit
The extent to which the lender’s criteria and facility structure align with the client’s position and stated requirement.
Execution Capability
A credible ability to progress a properly presented case through underwriting, valuation, legal work and completion.
Conduct and Reputation
Professional standards, market standing and an approach consistent with fair, clear and responsible client treatment.
How Lender Selection Works
Selection is a structured process. The route may develop as information is verified, lender feedback is received and the transaction moves through due diligence.
Understand
We establish the funding requirement, intended use, timing, financial position, security and relevant commercial context.
Structure
We consider the facility type, amount, term, repayment profile, security position and likely lender requirements.
Match
We identify lenders whose appetite and criteria appear aligned with the properly understood requirement.
Test
Where appropriate, we test appetite and compare credible routes across cost, structure, conditions and delivery risk.
Present
We communicate the proposed route clearly, including relevant assumptions, conditions, fees and next steps.
Deliver
We support progression through application, underwriting, valuation, due diligence, legal process and completion.
Specialist Areas Supported
Our lender relationships and sourcing capability support a broad range of business and property finance requirements.
Commercial Mortgages
Property acquisition, refinance and longer term property backed borrowing for owner occupied and investment assets.
Explore commercial mortgagesBuy to Let Finance
Funding for individual properties, portfolios, HMOs and more specialist residential investment scenarios.
Explore buy to let financeBridging Finance
Short term property funding for acquisition, refinance, auction, refurbishment and time sensitive transactions.
Explore bridging financeDevelopment Finance
Structured funding for property development, conversion, refurbishment and development exit requirements.
Explore development financeInvoice Finance
Factoring, invoice discounting and specialist working finance aligned to business cashflow and debtor performance.
Explore invoice financeAsset Finance
Funding for vehicles, machinery, equipment and other productive assets used within the business.
Explore asset financeGovernance and Client Protection
Our Charter is intended to make our lender selection principles clear and accountable.
Accurate Presentation
Cases should be presented professionally, with material facts communicated accurately and relevant information supplied promptly.
Appropriate Selection
Lender choice should reflect the client’s circumstances, the transaction structure and the realistic requirements of the case.
Clear Communication
Key terms, conditions, risks, fees, assumptions and next steps should be explained in a clear and timely manner.
Commission Transparency
Where a lender pays commission, the existence and amount of that payment will be disclosed in accordance with applicable requirements and our agreed process.
Conflicts Management
Commercial relationships and remuneration must not override the need to identify a suitable and credible funding route.
Ongoing Review
Lender appetite, service standards and case performance are reviewed so that panel relationships remain relevant and effective.
Our Commitment to Clients
- To understand the requirement before selecting a funding route.
- To assess structure and delivery, not only headline pricing.
- To communicate material conditions, fees and risks clearly.
- To protect confidential information and use it proportionately.
- To maintain professional oversight throughout the process.
What We Expect from Lenders
- Clear and current lending criteria.
- Consistent, proportionate and professional underwriting.
- Transparent terms, conditions, fees and information requirements.
- Responsive communication and responsible case management.
- Fair treatment and a credible commitment to delivery.
Important Funding Considerations
An agreement in principle, lender indication or initial expression of appetite is not a guarantee of funding. Final approval remains subject to the lender’s underwriting, credit assessment, valuation, due diligence, legal process, satisfactory documentation and applicable terms and conditions.
Rates, fees, loan amounts, security requirements and product availability can change. The most appropriate route can also change if the facts, timing or structure of the transaction change.
The Aftersales Network Limited acts as a credit broker and not a lender. We do not make lending decisions and cannot require a lender to approve or complete a facility.
Lender Panel Charter FAQs
Does ASN work with only a fixed panel of lenders?
No. We maintain curated lender relationships for quality, relevance and delivery, while retaining the ability to consider suitable lenders outside those established relationships where a wider market search may improve the client outcome.
Does whole of market mean every lender will be approached?
No. Whole of market sourcing does not mean that every lender or product will be reviewed or approached in every case. We focus on credible funding routes that appear relevant to the properly understood requirement.
How does ASN select a lender?
We consider lender appetite, eligibility, structure, pricing, fees, flexibility, service, execution risk and the client’s wider circumstances. The lowest advertised rate is not always the strongest or most deliverable option.
Does ASN receive commission from lenders?
Lenders will typically pay The Aftersales Network Limited an introductory commission in respect of funding arranged. Commission may vary according to the lender or product. The existence and amount of commission will be disclosed in accordance with applicable requirements and our agreed process.
Does an agreement in principle guarantee funding?
No. Funding remains subject to the lender’s full assessment, underwriting, valuation, due diligence, legal process, satisfactory documentation, status, terms and conditions.
Start with the requirement. Then identify the right funding conversation.
If you are considering business finance, property finance, invoice finance or a more complex funding requirement, submit a structured assessment or contact The Aftersales Network for an initial discussion.
