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Institutional Credit

Warehouse Credit Facilities

Dedicated revolving credit lines for alternative lenders and specialty finance businesses funding loan portfolio origination.

Overview

We introduce warehouse credit requirements to institutional funders — large banks, insurance companies and asset managers — providing dedicated credit lines for alternative lenders, specialty finance companies and challenger banks to fund loan book origination at scale.

Warehouse credit facilities are structured revolving credit lines designed specifically for lenders who originate loan portfolios — bridging lenders, specialist mortgage companies, buy-to-let platforms and challenger banks. The facility funds the lender's loan origination activity until the loans are securitised, sold, or refinanced into a longer-term structure.

The funders we work with are institutional — typically large banks, insurance companies and asset managers — with the balance sheet to underwrite and maintain significant warehouse lines. Facility sizes typically start at £50M and scale to several hundred million pounds for established lender platforms with consistent origination volumes.

Suited For
Bridging and short-term lenders
Specialist residential mortgage originators
Buy-to-let platform lenders
Commercial real estate lenders
Challenger banks with active loan origination
Specialty finance businesses scaling their book
Key Features
Minimum facility size £50M
Revolving drawdown structure
Asset-backed against loan portfolio
Warehouse period typically 12–36 months
Forward flow capability available
Institutional bank, insurance and asset manager funders
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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.