Wholesale funding: What is it and why it might be a good fit for your business

15th July 2022

Find our print friendly PDF here.

Timely and efficient access to finance, which truly fits in with the needs and demands of the lending business, can have a real impact on what success looks like and how quickly it can be achieved and maintained. In the current economic climate, the need for alternative sources of funding has become more important than ever. Among such alternative sources, wholesale funding holds a crucial position in a lender’s funding structure.

What is wholesale funding?

Wholesale funding is a method used by lending institutions to finance operations and manage risk. While helpful in many cases, it can be more expensive than traditional sources of funds and comes with unique risks and considerations.

There are a large range of different wholesale funding types available from specialist lenders willing to come in at different stages of a lending business’ cycle. Navigating a way through this needs a clear view of where a business is, and where it wants to get to. We are uniquely placed to help you on that journey.

How we can help

At Walker Morris, our team of banking specialists has vast experience dealing with the borrowing needs of financial services lender clients in both the SME and regulated consumer spaces. We have experience of working with forward flow agreements, spot sales, loan portfolio sales, acquisitions, loan-on-loan facilities and warehousing/SPV and senior loan facility structures.

What sets us apart is the ability to pull together resource from our banking, regulatory, commercial and corporate practices and deal with all of our clients’ needs under one roof. Our dedicated alternative lending team understands the needs of our clients in this area, and we all benefit from working from one base, which acts as a centre of excellence with national and international reach.

To explore your wholesale funding requirements further, contact James or Ricky who will be happy to help.

Find our print friendly PDF here.