Welcome to Optimal Business Finance
Getting the right funding can transform your business growth. Moreover, the right financial partner makes all the difference. Therefore, we connect you with over 120 leading lenders to find your perfect match.
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We work with trusted financial partners across the UK. Furthermore, our network includes banks, alternative lenders, and specialist finance providers. As a result, we can offer you more options and better rates than going direct.
Our Process
Getting started is simple and takes just minutes. Additionally, our quick form captures your basic requirements without complicated paperwork. Therefore, you can apply from anywhere at any time.
Our smart system matches you with suitable lenders instantly. Furthermore, we compare rates and terms across our entire network. Consequently, you receive multiple options tailored to your specific needs.
Choose the offer that works best for your business. Moreover, our team guides you through the simple application process. As a result, funds can be in your account within 24 hours.
About Us
We are leading business finance experts helping companies across the UK. However, unlike traditional brokers, we use smart technology to speed up the process. Therefore, businesses get funding faster and with less hassle.
Our approach focuses on understanding your unique situation first. Additionally, we believe every business deserves access to fair finance. Furthermore, our service is completely free with no hidden fees or charges.
We exist to make business funding simple and accessible for every UK company. Furthermore, we believe that getting the right finance should never be complicated or stressful. Therefore, our mission is to remove all the barriers that stop businesses from growing.
We aim to make business finance simple and accessible for everyone. Furthermore, we want to remove the complexity and confusion from the lending process. As a result, business owners can focus on what they do best – growing their companies.
Excellence is Our Standard, Customer Satisfaction is Our Goal.
Our Services
We offer loans from £10,000 to £500,000 for any business purpose. Additionally, approval can happen in just hours rather than weeks. Therefore, you can seize opportunities when they arise.
Need new machinery or vehicles for your business? Furthermore, our equipment finance options let you spread the cost over time. Consequently, you can get what you need without using up your working capital.
A merchant cash advance provides upfront funding in exchange for a percentage of future card sales, with repayments taken automatically from card transactions over a 9-12 months.
Asset Finance enables businesses to acquire assets like vehicles, machinery, and equipment without upfront payment. Instead, financing is provided with fixed monthly instalments over 12 – 72 months.
Turn your unpaid invoices into immediate cash flow. Moreover, this helps smooth out the gaps between sending invoices and getting paid. As a result, you maintain steady cash flow throughout the year.
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 as this could impact your 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.
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.
