Invoice-based financing solutions for SMEs
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Easing Lockdown: Managing the Economic Impact on Your Business

In the latest webinar, regional sales director at Optimum Finance, Andy Christiansen joined Sheryl Davis, partner at Saffery Champness and Charlotte Braham, solicitor at Allan Janes to discuss how to manage the impact of Covid-19 on business. The UK government has taken further steps to ease the coronavirus lockdown restrictions. Business will now need to …read more

A tribute to our founder

Richard Pepler, CEO Optimum Finance 1960 – 2020 Anyone who worked with, or for, Richard during his 30-year plus career will know what a talented and inspirational man he was. Born in Newent, Gloucestershire and brought up in Portishead, North Somerset, Richard began his career working as a cashier at Barclays Bank. Well-known in the …read more

Healthcare business support package

We have launched a support service designed for firms in the healthcare sector called Optimum Medic. Optimum Medic is a specialist invoice finance service designed for businesses supplying the healthcare, medical and pharmacy sectors in the UK. The new initiative comes on the back of a Covid-19 support package for SMEs launched last month by …read more

Covid-19 package designed to reduce the number of SME firms failing

We have launched a support package for UK SMEs affected by coronavirus. The range of measures has been tailored to be easily accessible via remote, online applications through a specially designed web app. The application process takes just 90 seconds to input basic commercial information, the web app then indicates the level of immediate funding …read more

Speed is of the essence to save our SMEs

Response from Optimum Finance CEO Richard Pepler to the latest set of economic support measures announced Friday 20 March: I’ll focus here on the newly announced measures being offered to SME business owners designed to prevent business failure and mass redundancies. While the government’s sentiment of backing business is to be applauded we currently find …read more

Intermediaries explainer

See below our latest video where our CEO Richard Pepler talks through the automated digital solutions we have developed to help intermediaries who identify invoice finance, factoring or invoice discounting as a good option for their clients.

Debtor Protection

High Street Closures Debtor Protection

Overview of the Credit market To put 2019 in perspective we need to take a look back. In the 3rd quarter 2009, Credit Insurance losses on failed businesses peaked at £89m for the UK. This was the delayed effect of 2008’s bubble bursting and set a new record. In the 2nd quarter 2018, losses reached …read more

Control of Cash!

The effects of the recent recession have shown us that “control of cash is the single most important factor in running any business however good the product potential and however good the skills of the management team” (Genghis Khan Guide to Business). We explore the use of invoice finance to firm up a company’s cash …read more

Why small businesses fail and how to avoid it

It’s no secret that the survival of small business can be challenging for entrepreneurs in the UK — only four in ten businesses survive past the five year mark of running the business. Businesses fail from making continuous mistakes which lead to the collapse of their business, so knowing the causes of business failure is …read more

When the money runs out!

As the UK emerges from the worst recession post-war, its vulnerability to the funding gap has been seen to be particularly acute. Still, three or four years since we emerged Optimum SME Finance believe that as many as one in five SMEs could be overtrading.   Overtrading is when new business absorbs working capital faster …read more