LenderRoute

For UK commercial finance brokers

Find the lender.
Know why.

Four facts in. A ranked shortlist out. Every lender is checked rule by rule against its own published criteria, with the source and the date on every figure.

Where a lender hasn't published it, we say so. We never guess.

Register for a 14-day trialBroker sign in

Opening soon. Register now and we'll email you the day your trial can start. A card is needed to start the 14-day trial. Nothing is charged until it ends.

A criteria fit, not an approval, a quote or an offer.

One login on the web, your phone and the desktop app.

A worked example, from verified criteria

Office purchase, £1.2 million, 60% LTV

Limited company · England · office · 10 years · capital and interest

    Checking published rules…

    Criteria as published by each lender, read on 31 October 2026.

    Counted honestly

    Every lender here is checked against its own published criteria.

    Verified lenders
    78
    Verified products
    167
    Categories with a verified product
    10
    Latest verification
    31 Oct 2026

    A lender only counts once we've checked one of its products against an official page. Names we haven't read yet stay off the count.

    How it works

    From four facts to a shortlist you can stand behind.

    1. Step 1

      Four facts

      Category, amount, value and borrower type. Your first shortlist appears straight away.

    2. Step 2

      Only the questions this case needs

      Buy-to-let asks about interest cover. Second charge asks for the balance on the first charge. A business loan doesn't ask for the age of a building.

    3. Step 3

      A ranked shortlist, with reasons

      Strong, Possible or Unlikely, with one line on why. Open any lender to see every rule: passed, failed or not published, with the source and the date.

    On your desk

    When the client asks "why that lender?", the answer's already on the page.

    Rule by rule

    Each published limit is checked on its own. One clear fail and the lender drops to Unlikely. If a figure that matters isn't published, it can't be Strong.

    Source and date on every figure

    See where each number came from and when it was read. A "from" rate stays a starting point. If two official pages disagree, you see both, and neither is treated as a hard rule.

    Know when your lenders change

    Save a search from the results. When a lender on it has an accepted criteria change, you get an alert. Open the search again to see the new order.

    Side by side

    Compare two to four lenders from the same search. Your shortlist order stays put. The comparison helps you read the detail. It isn't a recommendation.

    Reports in your firm's name

    Send the client the case, the shortlist and the reasons as a PDF. Professional and Enterprise add your firm's branding.

    Wherever you work

    In the browser, installed on your phone, or as a desktop app, all on one login. Enterprise adds full white label, including your firm's own domain.

    Re-read every day

    Every source is re-read on a daily schedule. A changed figure is flagged and checked again before it's used. A page that has moved or gone is flagged too.

    What you can source

    Ten categories. One search.

    From commercial and semi-commercial mortgages to second charges, business loans and asset finance. Each count is verified products, ready to match today.

    • Commercial & semi-commercial mortgage

      Owner-occupied or investment property, including semi-commercial and mixed use.

      25 verified products ready to match

    • Bridging

      Short-term finance against property, including auction and refurbishment.

      41 verified products ready to match

    • Development

      Ground-up builds, conversions and heavy refurbishment.

      25 verified products ready to match

    • Business loan

      Term loans and working capital, secured or unsecured.

      36 verified products ready to match

    • Asset finance

      Hire purchase, leasing and equipment funding.

      11 verified products ready to match

    • Invoice finance

      Factoring, discounting and asset-based lending.

      9 verified products ready to match

    • Buy-to-let

      Individual and portfolio landlord mortgages, including semi-commercial where the lender publishes them here.

      9 verified products ready to match

    • Second charge

      A loan behind an existing first charge. Combined LTV is worked out from the first-charge balance plus the new advance.

      7 verified products ready to match

    • Specialist residential

      Residential mortgages that publish an adverse-credit tier, such as CCJs, defaults or time since discharge.

      1 verified product ready to match

    • Later life

      Lifetime mortgages and retirement interest-only. Age and product type are checked only where the lender publishes them.

      Coming soon: no verified product yet.

    • Other specialist

      Trade, stock, VAT, rescue and products that don't sit neatly above.

      3 verified products ready to match

    Panel membership

    Filter by Fiducia or NACFB. It won't change the order.

    Panel membership comes from the public lists. Use it to narrow the directory. It never moves a lender up your shortlist.

    38 lenders on the Fiducia list. 108 on the NACFB list. A lender that has stopped lending stays off the shortlist.

    Register for a 14-day trial

    The usual way vs LenderRoute

    The same case. Without the ring-round.

    Most brokers source with a mix of a spreadsheet, a folder of criteria PDFs, a phone full of BDMs and a general search tool. It works, but every case costs you time before you know who'll look at it. Here's the difference, question by question.

    "The usual way" describes common broker practice, not any particular product. LenderRoute shows a criteria fit. It doesn't issue DIPs, it isn't a CRM, and it doesn't replace a good BDM. It tells you which ones to call.
    On a live case…The usual wayWith LenderRoute
    Who might take it?Ring round on the off-chance. Calls, emails and criteria PDFs, one lender at a time.A shortlist from four facts. Every lender checked against its own published criteria.
    Why that lender?"Should be fine." A view from memory or a quick call.The reason in one line. Then every rule: passed, failed or not published.
    Is the criteria current?Hard to tell. A spreadsheet is only as fresh as its last update.Dated at the source. Every figure shows where it came from and when it was read.
    What if it isn't published?Assumed, or found out at underwriting.Labelled "not published". Never guessed, never scored Strong.
    Who goes first?Whoever you know, or whoever picks up.Strong, Possible, Unlikely. Ordered by fit. Ads and fees never move it.
    Property, business or asset?Different places for different deals.One search, ten categories. Commercial mortgages to second charges.
    When criteria changeOften found out at the decline.An alert on your saved search when a lender on it changes.
    Showing the clientAn email written from memory.A PDF in your firm's name. Case, shortlist and reasons.
    A judgement call on a complex caseRing the BDM. Still the right move. ✓Ring the right BDMs. See who's worth the call first.
    What it costsYour time, case after case.From £29 per user a month, ex VAT. After a 14-day trial.
    Register for a 14-day trial

    A card is needed to start the 14-day trial. Nothing is charged until it ends.

    Per user, per month, ex VAT

    £29, £49 or £79. Start with a 14-day trial.

    For sole brokers and small firms

    Starter

    £29 / user / month

    Quick source, the adaptive fact-find, criteria-fit shortlists and a PDF report in your firm's name.

    Register for a 14-day trial

    Built for teams

    Professional

    £49 / user / month

    Everything in Starter, plus team seats, branded reports, lender notes and outcome tracking.

    Register for a 14-day trial

    For networks and larger firms

    Enterprise

    £79 / user / month

    Everything in Professional, plus white-label reports, your firm's own domain and audit export.

    Register for a 14-day trial

    Pay annually and save 15%. Bigger teams pay less per seat: 10% off from 4 seats, 15% from 10 and 20% from 25. Ads and fees never affect rankings, on any plan.

    For lenders

    A portal, an audience, and a rank you can't buy.

    Your criteria, verified

    Submit criteria through the lender portal. A verified badge appears once a figure can be checked against a single official source.

    Demand, anonymised

    See demand by category once there are enough cases to protect brokers' privacy. Individual cases are never shown.

    Advertising, labelled and outside the list

    Placements are approved, marked "Sponsored" and sit beside the results, never inside them.

    Ranking is never paid

    Fees, campaigns and referrals never decide who is Strong, Possible or Unlikely, or the order of the shortlist.

    Read the advertising policy

    Questions

    Straight answers.

    Is a Strong result an approval?

    No. Strong means every critical published rule we checked has passed. It isn't an offer, a quote or a decision in principle. LenderRoute is not FCA-approved and doesn't make lending decisions.

    Can a lender pay to rank higher?

    No. Advertising is labelled and sits outside the results. Fees and referrals are disclosed beside a lender and are excluded from the score.

    Where does the criteria come from?

    Each lender's own public website and published documents. We don't use broker-only portals. Every figure shows its source and the date we read it.

    How current is it?

    Every figure carries the date it was last read, so you can judge it for yourself. When a published figure changes, it's flagged and checked again before it's used.

    Does it replace my BDMs?

    No. A good BDM is still the person for a judgement call. LenderRoute tells you which lenders are worth that call, and why.

    What does the counter count?

    Verified lenders and verified products only, plus the categories that have at least one verified product. A lender we haven't read yet isn't counted.

    What does the trial include?

    Fourteen days on the plan you choose. A card is needed to start the trial, and nothing is charged until it ends. We'll email a reminder before the trial ends. If you registered before launch, we'll email your login details the day the trial can start.

    Do you publish customer quotes?

    Not yet. We won't put a firm's name or a quote on this site until they've agreed in writing.

    Your next case, sourced and explained.

    Register now and we'll email you the day your 14-day trial can start. Four facts to a first shortlist; the rest of the fact-find waits until the case needs it.

    Register for a 14-day trial

    A card is needed to start the 14-day trial. Nothing is charged until it ends.