Fast. Halal. Financing.
Start your business growth journey with ethical financing designed for SMEs. Our digital platform provides fast, transparent funding aligned with Islamic principles.
Unlock working capital through digital factoring. No interest. No compromise.
Fast. Halal. Financing.
Start your business growth journey with ethical financing designed for SMEs. Our digital platform provides fast, transparent funding aligned with Islamic principles.
Our Vision
“To become the leading global platform for ethical, Shariah-compliant business financing — empowering SMEs and entrepreneurs with fast access to capital through innovation and Islamic values.”
Helping Small Businesses Grow
Optima Limited provides fast and accessible business financing by converting your invoices into immediate cash flow. Fully digital, hassle-free, and designed to support your growth with fairness and transparency.
Shariah-Compliant
We finance your invoices through structures approved by Islamic scholars — without interest or debt.
Fully Digital
Submit invoices, get verified, and receive funding all through our secure online platform.
SME-Centric
Built specifically for small and medium-sized businesses needing fast, values-based financial support.
Finance That Aligns With Your Principles
Ethical & Halal by Design
We ensure full transparency by operating with clear, contract-based transactions that adhere to verified Islamic principles — free from riba and uncertainty.
Upfront Cash Flow
Turn your unpaid invoices into fast, upfront cash without loans or interest-based risk.
Transparent Process
No hidden fees, no complex contracts — just clear, simple halal financing for your business.
Real Business Backing
Every transaction is backed by genuine trade — not speculation, not leverage, just value.
Fast & Paperless
Our entire process is online. From signup to funding, we keep it secure, fast, and hassle-free.
Flexible for Growth
Whether you’re a startup or exporter, our solution scales with your needs — ethically and efficiently.
Upload. Approve.
Get Paid.
Submit your unpaid invoice and receive halal financing — all in one secure, paperless platform. No delays. No interest. Just real-time access to the capital you’ve earned.
Frequently Asked Questions
Explore quick answers to common questions about our halal invoice financing process. Still curious? Get in touch — we’re here to help.
How is Optima Ltd’s financing Shariah-compliant?
We use Islamic finance structures like Wakalah and Murabaha to ensure our services avoid riba (interest), speculation, and unethical risk. Everything is reviewed by qualified Shariah advisors.
What kind of businesses can apply?
We work primarily with SMEs, exporters, and suppliers who issue B2B invoices. As long as your business complies with halal standards, we’ll work to support you.
How long does it take to get funded?
Once your invoice is verified, funds are typically disbursed within 1–3 business days. Our digital platform is designed to make this process as fast and smooth as possible.
What if my customer doesn’t pay on time?
There’s no penalty to you. Once funded, the responsibility shifts to us — we manage the follow-up with your customer professionally, so you can focus on running your business.