Mainlynk Channel
Refer. Retain.
A governed institutional placement channel for credit opportunities a financial institution cannot or elects not to fund.
The member promise
The source institution remains the recorded source of the opportunity.
Mainlynk administers a controlled placement process through certified capital providers and approved technology.
Relationship protections, customer-contact rules, eligible products and provider responsibilities are established through executed agreements and product-specific schedules.
Opportunity lifecycle
A controlled process from identification to final disposition.
01
Institution identifies an unsupported opportunity
02
Customer permissions and disclosures are completed
03
Opportunity is entered into the approved workflow
04
Source institution and product request are recorded
05
Eligibility and file-completeness rules are applied
06
Opportunity is assigned to an eligible provider
07
Provider accepts, requests information, declines or times out
08
Declined opportunities return to the controlled queue
09
Opportunity is funded, returned, retained or released
10
Final disposition is recorded and reported
Relationship protection
A contractual obligation of every certified capital provider.
Relationship protection is a contractual obligation of a capital provider that has executed a Capital Provider Agreement with Mainlynk. It is not a market courtesy and not a promise Mainlynk makes on its own behalf — it is a term the provider agrees to in order to receive channel opportunities.
The institutional member that referred the credit need remains the recorded source and retains the broader customer relationship. The contracted capital provider addresses the approved credit need and nothing beyond it.
Protected products and services
The capital provider may not cross-sell, solicit, or use customer information in connection with any of the following:
- Deposits and operating accounts
- Treasury and cash-management services
- Merchant acquiring, card, and payment services
- Payroll services
- Wealth and insurance services
- Any product or service outside the approved credit transaction
Certified providers operate under defined standards.
Provider conduct rules
- No unauthorized rebrokering
- No independent transfer to another lender
- No cross-selling of protected products or services
- No solicitation outside the permitted credit transaction
- No use of customer information for unrelated prospecting
- Required response times
- Accurate status and funding reporting
- Cooperation with complaints, monitoring, and audit requirements
Monitoring and remedies
Mainlynk monitors conduct, complaints, and circumvention. The Capital Provider Agreement carries defined remedies: corrective action, restricted routing, suspension, termination, and indemnity.
Protection runs with the contract. A contracted provider remains bound whether or not it took the placement. If protected placement is exhausted and the member elects open-market release to a provider holding no Capital Provider Agreement, relationship protection does not travel with that opportunity. That election is affirmative, recorded, and made by the member.
Opportunity outcomes
Five defined dispositions.
Protected Mainlynk Placement
The opportunity is placed with a certified capital provider under full relationship protection.
Institution-Funded Outcome
The institution elects to fund the opportunity internally after review.
Returned to Institution
No eligible provider accepts the opportunity; it is returned to the source institution.
Open-Marketplace Release
After the protected process is exhausted, the institution may elect open-market release. This is not a continuation of Mainlynk relationship protection.
Withdrawn
The institution or customer withdraws the opportunity from the process.
Relationship protection
A contractual obligation. Not a market courtesy.
Relationship protection is a contractual obligation of a capital provider that has executed a Capital Provider Agreement with Mainlynk. It is not a market courtesy and not a promise Mainlynk makes on its own behalf — it is a term the provider agrees to in order to receive channel opportunities.
Under it, the institutional member that referred the credit need remains the recorded source and retains the broader customer relationship: deposits and operating accounts, treasury and cash management, merchant acquiring, card and payment services, payroll, wealth, and insurance. The contracted capital provider addresses the approved credit need and nothing beyond it. It may not cross-sell protected products, solicit outside the permitted credit transaction, or use customer information for unrelated prospecting.
Mainlynk monitors conduct, complaints, and circumvention, and the agreement carries remedies — corrective action, restricted routing, suspension, termination, and indemnity.
Protection runs with the contract. If protected placement is exhausted and the member elects release to a provider holding no Capital Provider Agreement, protection does not travel with the opportunity, which is why that election is affirmative, recorded, and made by the member rather than by Mainlynk. A contracted provider stays bound whether or not it took the placement.
Discuss Institutional Membership
Learn how the Mainlynk Channel can replace unmanaged referrals with a governed institutional process.
Discuss Capital Provider Certification
Access qualified, attributable institutional opportunities within your defined products, geographies and credit box.