Welcome to Optimal Business Finance
Our team is dedicated to guiding you through the complexities of business finance, ensuring sustainable growth and long-term success.
4.5 / 5
From over 1000 reviews
We collaborate with market leading lenders to expand the reach of our financial assistance to businesses. If you’re an accountant, consultant, broker, or vendor with clients who could benefit from our services, become part of our expanding network of partners now.
Our Process
Let us know the amount you’re looking to finance, the purpose of the funds, and share some fundamental details about your company.
Our intelligent platform will assess over 120 lenders to find the finance solutions that best align with your requirements.
We’ll help you through the process from application to receiving your funds.
About Us
In a rapidly evolving business landscape, being prepared for the future is as crucial as managing today’s challenges. Our financial solutions are designed to address your immediate needs while paving the way for long-term achievement.
With a forward-thinking approach, we provide innovative strategies that not only solve your current financial hurdles but also set a solid foundation for tomorrow’s triumphs. Partner with us to ensure your business thrives for years to come.
Our vision at Optimal is to become the trusted broker and partner for businesses, helping them navigate the complexities of the commercial lending market and achieve their full potential through tailored financial solutions and guidance that support their growth and success
At Optimal business finance our mission is to empower businesses of all sizes by providing tailored financial solutions and unwavering customer dedication. We are committed to upholding the highest standards of integrity, transparency and professionalism in every interaction ensuring that our clients receive the personalised attention and support they deserve.
Excellence is Our Standard, Customer Satisfaction is Our Goal.
Our Services
£5,000 to £500,000 in funding without collateral. Creditworthiness and business financials determine the amount. A personal guarantee may be required.
A secured business loan uses a business or owner’s property as collateral, requiring a 1st or 2nd charge. The equity in the property determines the eligible loan amount.
A merchant cash advance, or revenue-based loan, provides upfront funding in exchange for a percentage of future card sales, with repayments taken automatically from card transactions over a 9-12 month term.
Asset Finance enables businesses to acquire assets like vehicles, machinery, and equipment without upfront payment. Instead, financing is provided with fixed monthly instalments over a period of 12-72 months.
Invoice finance allows businesses to release the cash tied up in unpaid invoices. An invoice finance company will typically provide up to 90% of the value of your invoices immediately meaning you don’t have to wait for weeks or months for the invoice to be settled before receiving your payment.
Testimonial
Programmer, AA Company
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Programmer, AA Company
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Programmer, AA Company
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Programmer, AA Company
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Programmer, AA Company
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Programmer, AA Company
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Case Studies
Lower dropout rate
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Customer growth rate
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Increased revenue growth
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cost savings
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Our Team
Optimal have access to over 100 commercial lenders on their panel. We compare these lenders with your businesses financial needs to find the best rates and facilities available to your company. This will save you weeks of searching the market and ensure you have obtained the best rate available.
Interests can vary depending on different factors such as your time of trading, financial documents and credit. With our expertise in the market once we have reviewed the above factors, we will always provide you an indicative rate of what we can achieve before sending this to our lenders for full approval.
We not only compare lenders, we compare different loans and finance products including Unsecured loans, secured loans, Asset finance, Recovery loan scheme, Merchant cash advance and invoice finance.
To find out more please make an application online or get in touch on 07885879684
Most of our lenders will only need to perform soft credit searches up until the point of releasing funds. However, some do perform hard searches. If any lenders require hard credit searches straight away, we will let you know this as this could make an impact on your credit score.
Once we have received the information required, we would expect to hear back from our lenders with a decision within 1-5 working days. Time frames vary between lenders.
Optimal Business Finance Ltd is an Appointed Representative of Crystal Business Finance Ltd (Co. Reg No: 06457269) which is authorised and regulated by the Financial Conduct Authority.
Optimal Business Finance Ltd is entered on the Financial Services Register under reference 1004627.
Regulated firms:
We are a credit broker not a lender.
Optimal Business Finance Ltd registered at 15 Rye Hill Road, Harlow, England, CM18 7JE. Company Register number is 15074751. Optimal Business Finance Ltd is an Appointed Representative of Crystal Business Finance Ltd, registration number 6457269. Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is FRN653671. You can check via www.register.fca.org. We are registered with the ICO, ZB602848 and you can check via www.ico.org.uk.
We conduct both regulated and unregulated business and therefore not all products provided through us are regulated by the Financial Conduct Authority.
We source finance from our panel of lenders.
We will receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Unregulated firms:
Optimal Business Finance Ltd registered at 15 Rye Hill Road, Harlow, England, CM18 7JE Company Register number is 15074751. We are registered with the ICO, ZB602848 and you can check via www.ico.org.uk. We will receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
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