Technology by Authorised Compliance

AuthRoute

Credit access, technology and compliance in one place.

Give your customers a route to finance, with application journeys, credit provider connections and compliance support brought together by Authorised Compliance.

AuthRoute is our technology for connecting partner websites with credit brokers and lenders. Whether you need a complete customer journey or a connection from your existing platform, we can help you put the right setup in place.

How applications and results move through AuthRouteAn illustrative partner website sends application data through AuthRoute to a group of four generic lenders. Results return through AuthRoute to the same partner website. Actual connections vary by agreed setup.Your websiteYour connectionCredit providersApplicationResultsBack to your customer journeyAuthRouteBy Authorised ComplianceValidate · Route · ReturnApplication dataApplication dataResultsResultsLender 01Lender 02Lender 03Lender 04Illustrative journey. Provider connections and results options are agreed for each partner.
For partners

A credit solution built around your business

You bring the customer relationship. We help bring together the journey, the technology and the compliance support behind it.

For credit brokers, introducers, affiliates and publishers, that means a single place to discuss how customers apply, which credit providers they can access and how the service should operate.

  • An application form embedded within your website.
  • A connection from your existing form to AuthRoute.
  • Access to credit products through agreed provider connections.
  • A results journey supported by the connected credit provider.
  • Compliance support tailored to your activities and regulatory structure.

We agree the available connections, journey options and responsibilities with you before launch.

How the journey fits together

Your website.
A connected customer journey.

Application forms

An embedded form can give customers a way to apply from your website without you having to build the whole application journey yourself.

If you already have a form, we can assess how it connects to AuthRoute and captures the information required by the selected credit providers.

Routing and results

AuthRoute is designed to validate application data and route it to connected providers using agreed rules.

Where the provider supports it, results can return through AuthRoute for display within your customer journey. Another option is to return a link to the provider’s results page.

The setup depends on your website, the provider’s capabilities and the agreed customer experience.

Broker and lender connections

Our approach brings together access through credit brokers with plans for direct lender connections, giving us flexibility to build a provider mix around different partner audiences.

The providers and products available to each partner are agreed as part of the setup. Lending decisions remain with the lender.

Technology with the right support

Compliance alongside the technology

The customer journey and the compliance framework need to work together.

Authorised Compliance can support the regulatory structure, review customer journeys and financial promotions, and agree the monitoring and oversight your model needs.

If an Appointed Representative or Introducer Appointed Representative arrangement is appropriate, we assess suitability and define the permitted activities before an appointment begins. IAR arrangements have a narrower scope, limited to permitted introductions and distribution of financial promotions.

For firms with their own FCA authorisation, we can discuss the technology and compliance support needed alongside their existing arrangements.

Explore AR and IAR support
For lenders

More partner sources,
with clear visibility

We are looking to connect directly with lenders that want access to multiple partner sources through Authorised Compliance.

Our approach starts with understanding where applications originate, how customers are acquired and the journey they follow before reaching you.

We work through the proposed sources, your acceptance criteria, the technical connection and the oversight arrangements before a source is connected.

Discuss a lender connection
Clear from the start
  • Partner sources

    The partner businesses and websites introducing customers.

  • Customer acquisition

    Their acquisition channels and intended audiences.

  • The customer journey

    The application journey, customer communications and disclosures.

  • Controls and oversight

    The routing criteria, reporting and ongoing oversight to be agreed.

AuthRoute provides the technology around which those connections can be built, with Authorised Compliance bringing the partner relationship and compliance oversight together.

Start a conversation

Let’s build the right connection

Looking for a credit journey for your customers, or a lender exploring new partner sources?

Tell us about your business. We’ll work through the technology, provider connections and compliance support needed to move it forward.