Mainlynk Network | Relationship Protection
Serve the need without unnecessarily surrendering the relationship.
When an institution cannot serve a particular credit need, Mainlynk establishes contractual source, data, contact and disposition rules before a governed handoff occurs.
The credit need may leave the balance sheet. The relationship does not have to become unprotected.
Customer need
A creditworthy customer presents a financing need outside the institution's current capability.
Institution cannot serve
The institution lacks the product, capacity, or credit appetite to serve the need directly.
Governed institutional handoff
Under Network rules, the opportunity moves to a ready institution with source protection intact.
The risk is not merely losing one loan. It is exposing deposits, treasury, merchant, wealth and the broader customer relationship when an institution sends a customer elsewhere without contractual protection in place.
How protection works
The controlled opportunity lifecycle.
Recorded Source
Source institution is identified and recorded.
Permitted Need
Credit need is scoped to the applicable schedule.
Controlled Handoff
Opportunity moves under Network rules.
Receiving Institution Decision
Responsible institution owns credit, pricing and approval.
Final Disposition
Outcome is reported; status, reason codes and source protections are recorded and reconciled.
What is protected
Six contractual protections.
Recorded Source Institution
The originating institution stays identified throughout the opportunity lifecycle.
Permitted Credit Need
The receiving institution is authorized only around the scheduled credit need.
Broader Relationship
Protected relationship fields are defined in the applicable schedule.
Data Use
Data is limited to permitted uses defined in the governing agreement.
Anti-Circumvention
Participants cannot bypass or obscure the source relationship.
Protection Period
Protection is defined contractually for an applicable period.
Final Disposition
Every outcome is recorded — not abandoned.
When a Funding Member does not proceed, the outcome is recorded with status, reason codes and source protections intact. The source institution retains its attribution and relationship protections for the defined period.
Refers the opportunity under Network rules with source protection recorded.
Owns credit, pricing, approval, funding and servicing decision.
If funded
Final disposition is recorded. Source institution retains relationship protection for the defined period.
If not proceeding
Status and reason codes are recorded. Source protections remain in place. Not silent abandonment.
Scope of protection
What relationship protection means — and does not mean.
It means
- Contractual source recognition
- Defined cross-sell boundaries
- Defined data permissions
- Anti-circumvention provisions
- Controlled disposition
- Reporting and evidence
It does not mean
- Mainlynk owns the customer
- A guarantee the customer stays
- Guaranteed funding
- Guaranteed volume
- A restriction on legitimate customer choice
- Mainlynk making credit decisions
Relationship protection is agreement-based. It is not a guarantee of customer ownership or outcome. The responsible institution retains credit, pricing, approval and customer treatment authority.
Have a lending need you cannot serve today?
Explore how to establish a governed referral capability before the next opportunity appears.
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