Business Loans
From £10,000–£500,000
Access flexible business loans with clear repayments and competitive terms, ideal for growth, new premises, equipment, or improving cash flow.
- Fixed interest rate options
- Limited company business loans
- Keep your business moving forward
- Solutions for complex incomes and credit challenges
This will not affect your credit score
Commercial Loans & Business Finance
Loans up to £1,000,000
Flexible terms between 36-300 months
Whether you’re breathing new life into an existing business or launching a new one, we can help you access the funding you need.
Businesses commonly use this type of finance for:
Buying or expanding a company
Investing in larger premises or new locations
Improving cash flow or consolidating business debts
Refurbishments, equipment, or operational upgrades
Purchasing a restaurant, franchise, or existing operation
Purchasing or investing in property for business use or rental purposes
Our specialist advisors source products from a panel of commercial lenders and guide you through the process from start to finish.
Commercial Mortgages
If you prefer to own your business premises rather than rent from a landlord, a commercial mortgage may be the right option. These mortgages help you purchase offices, factories, retail units, warehouses, or mixed-use buildings.
Benefits include:
- Build long-term equity in your premises
- Options available for a wide range of industries
- Suitable for both owner-occupiers and investors
- Potentially reduce monthly outgoings vs. renting
Even if you’ve recently become self-employed or have adverse credit, there may still be products available.
How it works
Quick online application
Tell us about your business, your goals, and how much you’re looking to borrowPersonalised review
We assess your application, source suitable commercial finance options, and negotiate with lenders to secure competitive termsReceive your finance
Once approved, funds are released quickly, with timelines depending on the type of finance and lenderThis will not affect your credit score
Customer Review
Why choose Optimise Finance?
Experienced advisors
Our specialists hold qualifications to source commercial funding tailored to your circumstances.
Wide lender access
We explore a broad panel, including high-street names and specialist commercial lenders, to find suitable solutions.
End-to-end support
We handle the process and paperwork, keeping it simple, clear, and hassle-free.
Bring plans forward with our exclusive homeowner loans. Use them for home improvements, debt consolidation, and more.
More about Homeowner Loans
A Debt Consolidation loan can simplify your finances by combining several payments into one. This can often create more breathing space each month, provide a clearer path forward, and even reduce monthly payments.
More about Debt Consolidation
A secured home improvement loan allows you to invest in your property—whether you’re updating your kitchen, adding space, or simply making your home work better for you and your loved ones.
More about Home Improvements
Access cash from your home while staying in it, with equity release and later-life mortgages for homeowners aged 55 and over.
More about Equity Release
Reduce your current rate, consolidate debt, carry out home improvements, or help your children onto the property ladder.
More about Mortgages and Remortgages
Funding solutions for landlords expanding their portfolio, buying their first property, or renting out a home they’ve moved from.
More about Buy to LetSecure short-term bridging finance quickly. Our lender panel allows us to find competitive solutions, often producing terms within the hour.
More about Bridging Finance
Optimise Finance provides tailored commercial loans quickly, with clear terms and flexible repayment options to support your business growth and investment needs.
More about Commercial Loans