Optimum Finance
A Bristol invoice finance specialist, now part of eCapital, funding facilities to around £6m with advances of up to 90 per cent released within a day.
What they do
Optimum Finance funds business-to-business receivables for owner-managed companies, advancing up to 90 per cent of invoice value, usually within 24 hours of approval. Each client works with a dedicated business manager rather than a call centre, and business comes largely through brokers. Since being acquired by eCapital in October 2024 it draws on a wider North American asset-based platform for underwriting and funding capacity, which lifted the ceiling on what it can write.
Where they fit in a lower-mid-market raise
For a smaller business, or for the working-capital line inside a larger transaction, this is a straightforward receivables facility with a named person attached to it. Companies that have outgrown a bank's invoice discounting service but do not want a full asset-based structure are the natural borrower.
Where they are not the fit
Facilities sit below the core of a £3–15m raise, so this is a component of a structure rather than a lender that can carry one. Business-to-business receivables are required. Service fees and discount margins are not published, and post-acquisition leadership is not publicly named.
Published terms
- Pricing
- Not published
- Speed to terms
- Up to 90% of invoice value, often within 24 hours of approval; 'quick decisions'
- Sponsored or sponsorless
- Both (predominantly owner-managed SME working capital)
- Where they lend
- (UK; HQ Bristol, Cube M4 Business Park BS16)
- How they decide
- Dedicated business-manager model; now backed by eCapital's wider UK underwriting; broker-originated
- Security
- Receivables
- Covenants
- Springing covenant, tested only when a trigger is hit
As published by the lender and last reviewed June 2026. Terms quoted on a deal are set by the credit, not by a published band.
What rules a deal out
Stated limits, taken from Optimum Finance’s own published criteria. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No B2B receivables
- No appetite in adult, consumer retail no b2b, crypto, gambling or weapons
How they sit against the category
- Its published ceiling is £6m; 20 of the 40 asset-based lenders here go at least as high.
- Like 29 of the 40, it publishes no indicative price — a margin comes from a conversation, not a page.
Counted across the 40 asset-based & asset-finance lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Optimum Finance write?
Published facilities run up to £6m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Optimum Finance move?
Up to 90% of invoice value, often within 24 hours of approval; 'quick decisions'. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Optimum Finance lend to companies without a private-equity sponsor?
Yes. Optimum Finance lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does Optimum Finance lend?
Optimum Finance lends in (UK; HQ Bristol, Cube M4 Business Park BS16).
What covenants does Optimum Finance set?
Springing covenant, tested only when a trigger is hit. A covenant package is negotiated on the facility; the published style is where the negotiation starts.
Sources
ecapital.com · theintermediary.co.uk · invoice-funding.co.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.