What direct works well for
Small, standard facilities with an incumbent bank — an overdraft renewal, a modest asset purchase, or a top-up to an existing loan. You know the contact, they know your accounts, and there is nothing to arbitrage.
Going direct vs Using an arranger
Approaching a lender directly is free and, for a simple facility with your own bank, often perfectly sensible. Where an arranger earns its fee is in access, structuring and competitive tension — particularly on complex, cross-border or time-sensitive requests where the right provider is not one you would have found alone.
| Criterion | Going direct | Using an arranger |
|---|---|---|
| Cost | No arrangement fee to a third party | Success-based fee, payable only on completion |
| Lender access | The providers you already know | A wide panel including funds that do not market publicly |
| Competitive tension | Sequential applications | Parallel approaches, terms compared side by side |
| Structuring | You present the case | The case is structured and evidenced before submission |
| Time cost to you | High — repeated packs and calls | One pack, one process |
| Credit footprint | Multiple searches if you shop around | Targeted approaches to lenders who actually fit |
Small, standard facilities with an incumbent bank — an overdraft renewal, a modest asset purchase, or a top-up to an existing loan. You know the contact, they know your accounts, and there is nothing to arbitrage.
Declines are usually about fit rather than viability. A request that fails at three lenders in a row often succeeds first time at the fourth because that lender's credit policy was built for it. Knowing which is which is the value.
Structuring matters too. Splitting a requirement across receivables, asset and term tranches, or timing an approach around a refinance window, routinely reduces total cost by more than any fee involved.
Are there upfront fees? Who pays you, and how much? How many lenders will you approach and why those? Will I see the term sheets myself? Are you disclosing your commission?
Global Funding Gateway charges no upfront fees, discloses fee arrangements in writing, and all charges fall due only once funding is in place.
Go direct for small, simple facilities with a lender who already knows you. Use an arranger where the request is large, structured, cross-border, urgent, or has already been declined once.
No. Introduced business is a core origination channel; pricing follows the credit, and competing approaches usually improve rather than worsen terms.
Nothing is payable. Our fees are success-based and fall due only once funding is in place.
Not sure which route fits? Describe the requirement once and we will structure it and approach the providers whose criteria match. No upfront fees — charges are due only once funding is in place.
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