From a lender`s perspective, the nature of the term flow balance sheet may mean that it is more suitable for non-bank companies that are able to tie up part of their balance sheet without the same impact on regulatory capital as bank lenders. The tailor-made nature of forward flow equipment can also be potentially challenging. However, term flow agreements can offer bank and non-bank lenders the opportunity to benefit from an existing lending platform and rapidly deploy capital across different markets and asset classes. So it`s perhaps not surprising that we`re seeing an increasing number of appointment transactions at a time when platforms are an important and growing distribution channel. .