The Appointed Representative Network
At Fiducia, we provide everything needed to remove the barriers and help our brokers grow.
At Fiducia Commercial Network, we believe in making sure you have everything you need to provide the full broker experience to your clients. That starts with making sure you have the right permissions, tools and knowledge to become the trusted adviser your clients need for their commercial finance funding and related transactions.
When you join Fiducia, you’re not buying into a franchise, you’re operating your business, your way with our full support. Your Appointed Representative status means you’ll be covered under Fiducia Commercial Network’s FCA Umbrella, which gives lenders the confidence that you’re conducting compliant business and opens up more opportunities for you to say yes to more clients.
No Upfront Fees
To join Fiducia Commercial Network
NACFB Membership
Credibility with clients and lenders
FCA Authorisation
Including all regulatory reporting.
PI Insurance
A significant saving and added protection.
The role of the modern-day broker is evolving, and we support you in evolving with it. You already know how to broker and we’re passionate about helping you to become a multi-disciplined advisor that can spot what your client needs outside of traditional commercial financing, and have the right access to additional service partners that you can trust to deliver just as good a service.
Our team are passionate about helping your business grow and we’re serious about making sure you’re able to do your job competently and compliantly – that’s just one of the reasons brokers are leaving their existing networks to join us.
A Trusted adviser to SME owners
At Fiducia Commercial Network, we understand the complexities commercial brokers can face when securing the right funding for their clients. That’s why we provide everything needed to remove the barriers and help our brokers grow.
Appointed Representative Status
Case Support & Guidance
Compliance Support
Partnership and collaboration
Plug-in Services
Business Growth
With regular training
Network members all have access to an extensive range of commercial finance options
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Commercial Mortgages
Commercial Mortgages are used to fund the purchase, or refinance of, commercial and semi-commercial properties – either owner-occupier or investment.
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Buy-To-Let
Buy-To-Let finance helps landlords purchase or refinance rental properties, offering flexible mortgage options for individuals, portfolio landlords, and limited companies.
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Residential & Commercial Bridging
Short-term property finance with faster completion compared to traditional mortgage finance; used across both residential and commercial properties for multiple funding requirements.
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Development Finance
Funding development of both residential and commercial properties, with variants including light or heavy refurbishment, conversion and ground up development.
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Foreign National & Ex-Pat Property Finance
Specialist finance enables foreign nationals and UK expats to invest in UK property, with tailored solutions for residency, income, and currency challenges.
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Unsecured & Secured Business Loans
Business loans provide capital for growth, cash flow, or investment. Secured loans require assets, while unsecured options offer flexibility without collateral.
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Asset Finance & Vehicle Solutions
Asset Finance gives trading businesses access to the machinery, plant, equipment or vehicles that it needs to operate, without the full initial outlay. It can also release value from assets already owned.
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Invoice & Trade Finance
Trade / Supply Chain Finance is a revolving facility with both UK based suppliers and manufacturers as well as overseas – funds from initial order and deposit and helps to manage cash flow over long periods of a company’s trading lifecycle.
The support has been invaluable to us .
Being new to the network, the support has been invaluable to us here. Mark works incredibly hard to ensure we have the infrastructure and support network we need to succeed. Mark is always on hand to offer support when required, often acting as a sounding board for new ideas (occasionally acting as an agony aunt, too), and we’re extremely grateful to have his backing.
Frequently Asked Questions
Will I operate under Fiducia Commercial Network’s brand or can I use my own branding?
When you join Fiducia Commercial Network, you'll continue to operate under your own brand. Your company remains yours, and you're still in control of your own branding and documents. Our details will be included in your regulatory footer, but we'll help you with the wording you need for this.
Will there be any restrictions on my marketing or advertising activities?
You can decide the content you include in any marketing or advertising activities, including paid for adverts. These still need to adhere to the financial promotion rules set by the FCA. Our Compliance Team are here to help and support you, they'll ensure that all of your marketing and advertising content adheres to the FCA's Financial Promotion rules.
Are the contractual agreements for my deals between my brokerage and the customer, or between Fiducia Commercial Network and the customer?
As you’re operating as an independent commercial finance brokerage, any deals and contractual agreements will be between you and your customer. Fiducia Commercial Network will act as your network proposition service provider.
Will the contractual agreement for a deal be between my brokerage firm and the lender, or between Fiducia Commercial Network and the lender?
Your customer will have an agreement with the lender for the loan they’ve taken. Fiducia Commercial Network have signed introducer agreements on behalf of all our network members with over 200 lenders* on our panel.
*Excluding Handelsbanken - if your customer accepts a deal made with Handelsbanken will solely be between your customer and Handelsbanken.
What are the typical charges for commercial loan transactions?
For property transactions, brokers typically charge 0.5% -1% for their direct broker fees, in addition to the variable procuration fee from the lender.
Is it possible for me, or anyone in my team, to do residential mortgages in addition to commercial loans under Fiducia Commercial Network’s permissions?
No, you won’t be able to do this with Fiducia Commercial Network’s permissions. However, as a member of our network, you’ll benefit from having exclusive access and enhanced introducer fees to our Plug-in Service Partners, including Fiducia Comprehensive Financial Planning Ltd, to whom you can introduce your customers for residential mortgages.
The FCA authorisation your firm receives as a member of Fiducia Commercial Network doesn’t cover you, your team, or your business to conduct residential mortgage deals.
Do I have to use credit analysis techniques, models or software authorised by Fiducia Commercial Network?
No, you can use what works best for you to make an initial assessment to present the best case for your customer to prospective lenders. However, it’s important to remember that lenders will use their own systems to make a decision.
What happens if I want to end my Appointed Representative Agreement with Fiducia Commercial Network?
We value all of our brokers, so we’d love to understand what’s happened if you want to leave the network. We’ll always work with you to ensure that we’re getting the best outcome for your business. Ultimately, if you do decide to leave the network, please bear in mind that there is a minimum terms and notice period, and you’ll need to continue working within the confines of the contract that we agree.
How will my customer relationships be handled if I choose to leave the network?
You’ll continue to manage your customer relationships. However, we understand how important it is for you to continue to provide a good service, so we’ll continue to support you with any open cases that you may have, even if you choose to leave Fiducia Commercial Network. Unlike some other networks, before we close your Appointed Representative status you’ll be able to complete any outstanding customer deals that you have open, and you’ll still receive the appropriate payments on these as if you were remaining a network member.