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Glossary entry

French term or phrase:

Apporteur de clients

English translation:

business introducer

Added to glossary by Lara Barnett
Aug 26, 2023 18:01
9 mos ago
39 viewers *
French term

Apporteur de clients

French to English Bus/Financial Business/Commerce (general) Lending services terms & conditions
XXX below, provides financial lending services. Is this term just simply "customer provision agreement"...?

Convention Apporteur de clients en matière de crédit à la consommation entre XXX et yyy...
Proposed translations (English)
4 +5 business introducer
3 +2 Client finder/introducer
4 consumer credit canvasser /UK
1 Credit referral agent, Lending Referral Agent
2 -1 Sales Agent
References
credit provider (australia usa)
Possibly useful material from our Belgian friends

Discussion

Daryo Aug 29, 2023:
In your case the windows seller Anglian would be - **from the viewpoint of GE Finance** - "un apporteur de clients". I think they are best described as "client introducers".
Charlie Bavington Aug 28, 2023:
Just to complicate matters..... (!) I (a consumer, natch) once bought replacement windows on credit. The windows were from Anglian; GE Finance provided the money & I repaid GE, although Anglian organised it all. I know similar arrangements where you ostensibly buy from X but repay the credit to Y are fairly common.
Does this apply here, do you know?
And if so, is the "apporteur" the equivalent of Anglian, introducing me to GE Finance?
Or is the apporteur some third party, introducing Anglian to GE Finance (still 'en matiere' of consumer credit since it'll be people like me borrowing the actual money)?
Or is it a straightforward A introducing B (consumer) to C so B can borrow from C?
Rob Grayson Aug 28, 2023:
@Lara This is emphatically *not* business development. Business development is what someone *inside* a business does to grow the business. An "apporteur de clients" is another individual or business who introduces potential clients to your business *from outside*.
Daryo Aug 28, 2023:
Who could be "un apporteur de clients" - an estate agent "recommending" always the same mortgage provider to their house buyers,
- a second-hand car dealer "helping" car buyers to get loans at extortionate rates from their "preferred" car finance lender,
- anyone whose own clients might need loans and is always ready to "recommend" a lender.
ormiston Aug 27, 2023:
Rainmaker - new to me, although inappropriate here INFORMAL•NORTH AMERICAN
a person who generates income for a business or organization by brokering deals or attracting clients or funds.
Tomasso Aug 27, 2023:
credit referral agent? https://www.ziprecruiter.com/Jobs/Credit-Referral-Agent (various jobs) or refer to ""Referral Agent means a person or entity who identifies and refers an Ap- plicant to a lender or a lender to an Applicant. The Referral Agent may be employed and compensated by either an Applicant or a lender."" https://www.lawinsider.com/dictionary/referral-agent#:~:text...
Lisa Rosengard Aug 27, 2023:
Lara I prefer 'business developer' as a description of the role of work. Perhaps 'business development agent' might fit the description. I read a reference below and I understand the 'apporteur de clients' is an agent, who guides or directs potential clients to the credit intermediary or the lender. The agent has, presumably, other remits also, as he or she does not intervene in any possible discussions, liaisons or future agreements between potential clients and credit companies or lenders.
Emmanuella Aug 27, 2023:
https://www.thelegalstop.co.uk/blog/?p=1936
Lara Barnett (asker) Aug 26, 2023:
Does this work? Client Introducer Agreement for consumer credit between XXX and YYY
Lara Barnett (asker) Aug 26, 2023:
@ Lisa So would you say that either "business developer" or "business introducer" would work?
Lisa Rosengard Aug 26, 2023:
It's definitely an agreement connected with customer provision on credit matters. I understand it could be about customer support on credit issues while it could also be about ways of attracting new customers to the business.

Proposed translations

+5
18 mins
Selected

business introducer

Pretty much the standard term for a person who introduces clients (or potential clients) to another person or business.

In the context of your sentence, it would be a business introducer agreement. (Just Google the term and you'll get plenty of hits.)

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Note added at 3 hrs (2023-08-26 21:33:06 GMT)
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To asker: “business development” is a much more general term referring to activity undertaken to grow sales. A business introducer introduces potential new clients, usually for some benefit in return (often a fee or commission, sometimes introductions in the other direction).

I’m absolutely confident this is the correct term in a UK context; I’ve seen and used it myself in the corporate world.
Note from asker:
Thanks. is this the same as business development?
Peer comment(s):
agree writeaway
5 hrs
agree Emmanuella : https://www.thelegalstop.co.uk/blog/?p=1936
15 hrs
agree Charlie Bavington : I opened this page with the express purpose of providing this very answer :-) My experience mirrors yours: it's pretty much the only term I've seen used in the UK.
16 hrs
Thanks for the additional validation :)
neutral Francois Boye : The definition from the UK adds the following: Introducers are often partner firms that a supplier works with regularly, such as accountancy firms, law firms, or others.
20 hrs
Often but by no means always. And in any case, so what?
neutral Daryo : In a general way, yes. But when applied to finding people who need loans doesn't sound quite right.// Would you call estate agents "business introducers" (as in "introducing business" to house sellers)?? You surely should, if you apply the same logic ...
1 day 3 hrs
No, because it's a B2B term, and house sellers are usually private individuals. But when an estate agent refers a client to a mortgage lender or even a mortgage broker, that lender or broker would refer to the estate agent as a business introducer.
agree Steve Robbie : Like Charlie, I opened the page with the aim of posting the same answer.
1 day 19 hrs
agree Conor McAuley
2 days 17 hrs
Something went wrong...
4 KudoZ points awarded for this answer.
2 hrs
French term (edited): apporteur de clients en matière de crédit à la consommation / BE

consumer credit canvasser /UK

The question dould have been reformulated bz being expanded into the Belgian or Brussels-sprouted variety.

Having been born pre-UK 1974 Consumer Credit Act, I cannot recall any otiose reference to a wider business development scene.

Convention Apporteur de clients en matière de crédit à la consommation> Consumer Credit Canvasser Agreement


--------------------------------------------------
Note added at 2 hrs (2023-08-26 20:59:47 GMT)
--------------------------------------------------

could have been been reformulated by being expanded into...
Example sentence:

UK Consumer Credit Act 1974> An individual (the " canvasser ") canvasses a regulated agreement off trade premises if he solicits the entry (as debtor or hirer) of another individual

Reference:

http://www.fsma.be/fr/intermediaires-preteurs/quest-ce-quun-apporteur-de-clients-en-matiere-de-credits

Peer comment(s):
neutral Rob Grayson : I don’t think this has anything to do with canvassing.
35 mins
neutral AllegroTrans : Nor do I think this has anything to do with canvassing
1 hr
Something went wrong...
1 day 55 mins

Credit referral agent, Lending Referral Agent

Just a suggestion, oy vey is mir, here we go. May only apply ot Etats Unis.

Law Insider... **Referral Agent **means a person or entity who identifies and refers an Applicant to a **lender **or a lender to an Applicant. The Referral Agent may be employed and compensated by either an Applicant or a lender. (much more at Insider but have to have membership to copy,,,if this continues soon one will not be able to copy anything).
practicaladultinsights A referral agent is a person who makes money by referring customers or clients to a business or individual who can meet their needs. For example, a person who sells mobile homes may want to secure more prospects interested in buying mobile homes. One of the ways he might accomplish this is by working with an agent who refers prospects to him for a fee. In some cases, a referral agent may receive a fee for every reasonable prospect he refers, while others may receive compensation each time the recipient of the referrals makes a sale.


--------------------------------------------------
Note added at 1 day 56 mins (2023-08-27 18:58:16 GMT)
--------------------------------------------------

link https://www.lawinsider.com/dictionary/referral-agent#:~:text...
https://www.practicaladultinsights.com/what-does-a-referral-...
Example sentence:

The duties of a referral agent may vary, but for many, the primary focus of the job is to generate leads. This means they spend time looking for individuals who are interested in a particular service or product and referring them to businesses or individu

Reference:

https://www.lawinsider.com/dictionary/referral-agent#:~:text=Referral%20Agent%20means%20a%20person,an%20Applicant%20or%20a%20lender.

https://www.practicaladultinsights.com/what-does-a-referral-agent-do.htm

Something went wrong...
+2
1 day 4 hrs

Client finder/introducer

An alternative

Landlords - how we can help
Action Homeless
https://www.actionhomeless.org.uk › 2022/01
PDF
A client finder's fee would apply for the Landlord at a discounted rate. This offer would suit Landlords who would like to work.
3 pages

Partner/shop fee : r/Luthier
Reddit
https://www.reddit.com › Luthier › comments › partne...
30 Jul 2023 — I would try more for a per client finder's fee than a percentage of work. 15-20% commission, especially on repeat work, would eat you alive ...
Lady C Tea YouTube 6/8/23 (a few nuggets paraphrased by me)
9 Jun 2023
Got laid off and now the company that laid me of

Leodis Financial
https://leodisfinancial.com › bricks-and-mortar › client...
means someone who is permitted by an FCA or PRA authorized firm to carry on Regulated Activities under that authorized firm's regulatory permissions and for ...


Client Introducer Terms for General Insurance
https://leodisfinancial.com › bricks-and-mortar › client...

The Introducer introduces Customers to the Company relating to the sale of general insurance products. The parties wish to regulate such introductions together ...
Peer comment(s):
agree Daryo : Client Introducer
1 hr
agree Tomasso : Let's go with thatl.....up to date, un *influenceur* réputé qui bénéficie d'une large audience, pure anglicisme?
2 hrs
Something went wrong...
-1
1 day 13 hrs

Sales Agent

Low confidence, but would there be anything fundamentally terrible about reducing the job to this?

The preamble/recitals and the rest of the text will fill in the details anyway.

So, in the context of the contract, "Sales Agency Agreement..."
Peer comment(s):
disagree AllegroTrans : It's about loans, not sales - some of them may be for purchases, but hardly for sales// problem with "sales agent" is that it immediately suggests the sale of houses, land, domestic appliances etc., not loans; & omission of "customer" makes for confusion
1 hr
Yes, but people sell loans...Rob is patently on the nose here though.
Something went wrong...

Reference comments

29 mins
Reference:

credit provider (australia usa)

.fsma.be/fr/intermediaires-preteurs Qu’est-ce qu’un "apporteur de clients en matière de crédits" ?
Un apporteur de clients en matière de crédits est une personne qui, généralement dans le cadre d’une autre activité professionnelle, oriente des clients potentiels vers un intermédiaire de crédit ou un prêteur ou lui amène de tels clients, sans intervenir elle-même comme intermédiaire de crédit.

Un apporteur de clients ne peut pas exercer d’activités réservées aux intermédiaires de crédit. Il peut, occasionnellement, dans le cadre de son activité professionnelle, introduire un consommateur auprès d’un prêteur ou d’un intermédiaire de crédit ou l’orienter vers un prêteur ou un intermédiaire de crédit, par exemple en attirant son attention sur l’existence de ce prêteur ou de cet intermédiaire de crédit ou sur un type de produit disponible auprès de ce prêteur ou de cet intermédiaire de crédit. Il n’est toutefois pas autorisé à mener des actions de publicité, ni à s’occuper de la présentation, de la proposition, de la préparation ou de la conclusion du contrat de crédit.

.legislation.gov.au/Details/C2023C00121
A person engages in a credit activity if:

1

credit contracts

(a) the person is a credit provider under a credit contract; or

(b) the person carries on a business of providing credit, being credit the provision of which the National Credit Code applies to; or

(c) the person performs the obligations, or exercises the rights, of a credit provider in relation to a credit contract or proposed credit contract (whether the person does so as the credit provider or on behalf of the credit provider); or

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Note added at 31 mins (2023-08-26 18:32:22 GMT)
--------------------------------------------------

links https://www.fsma.be/fr/intermediaires-preteurs/quest-ce-quun...
https://www.legislation.gov.au/Details/C2023C00121

Seems substantial difference in vocabulary between EU, UK and western United states.
Reference:

https://www.fsma.be/fr/intermediaires-preteurs/quest-ce-quun-apporteur-de-clients-en-matiere-de-credits

https://www.legislation.gov.au/Details/C2023C00121

Peer comments on this reference comment:
neutral AllegroTrans : The word "clients" make it unlikely that this is an actual credit provider imo; much more like a "client provider"
4 hrs
Yes, the term seems odd and out of place...on the West Coast pf EEUU. Referral Agemt??
Something went wrong...
1 day 13 hrs
Reference:

Possibly useful material from our Belgian friends

https://www.fsma.be/fr/intermediaires-preteurs/quest-ce-quun...

Qu'est-ce qu'un "apporteur de clients en matière de services bancaires et de services d'investissement" ?
Something went wrong...
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