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Institutional Credit

Forward Flow Funding

Committed forward flow purchase agreements for lenders and originators scaling loan portfolios at institutional scale.

Overview

We introduce forward flow funding requirements to institutional investors — insurance companies, pension funds and asset managers — seeking committed agreements to purchase loan portfolios from originating lenders that meet pre-agreed criteria.

Forward flow agreements are structured purchase agreements where an institutional investor commits to purchase loans originated by a lender that meet pre-agreed criteria — loan type, geography, LTV, interest rate, credit quality and term. They provide the originator with a committed, scalable exit for its production, removing market risk and price uncertainty from the origination business.

Counterparties on the buy side are typically insurance companies, pension funds and asset managers seeking regular, high-quality credit assets with predictable characteristics to match their liability profiles. On the sell side, they include mortgage platforms, bridging lenders and specialty finance businesses generating consistent origination volumes that justify a committed purchase agreement.

Suited For
Residential mortgage originators
Bridging and short-term lenders with consistent volumes
Buy-to-let platform businesses
Consumer and SME lenders
Specialty finance businesses with defined products
Fintech lenders with scalable origination
Key Features
Minimum committed purchase volume £50M
Pre-agreed eligibility criteria for assets
Committed purchase obligation for investor
Removes market and pipeline risk for originator
Insurance company and pension fund buyers
UK and European originator access
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RC Private Clients acts solely as an introducer and does not provide regulated financial advice, arrange regulated lending or act as a lender. All introductions to regulated lending activity are made to FCA-authorised firms only.