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Tell us how much you need
We’ll ask a few questions about your business and the reason for your loan.
Get a quote
Our smart technology will compare quotes from up to 100+ lenders
Apply and get your funding
We’ll help you through the process from application to receiving your funds.
How we operate:
Borrow up to £500,000
Let us know the amount you’re looking to finance, the purpose of the funds, and share some fundamental details about your company.
Wide range of finance types
Unsecured, Secured, Asset Loans & Merchant Cash Advance
Designed for all businesses
Eligible businesses must:
Minimum turnover £100k
Must be uk based
Limited companies
All industries accepted
Financial product information
Representative example*
• 7.63% APR Representative based on a loan of £50,000 repayable over 24 months.
• Monthly repayment of £2,252.94. The total amount payable is £54,070.56
*Some lenders may apply fees during the application process, please note that these are set and provided by these entities.
Our Services
Consulting as Straightforward as It Gets
Unsecured Finance
£5,000 to £500,000 in funding without collateral. Creditworthiness and business financials determine the amount. A personal guarantee may be required.
Secured Finance
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.
Merchant Cash Advance
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
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 Financing
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.
Frequently Asked Questions
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.