About Optima Limited
At Optima Limited, we believe finance should be accessible, efficient, and built to support real business needs. That’s why we’ve developed a fully digital factoring solution designed specifically for SMEs, suppliers, and exporters. We’re not just a fintech platform — we’re your partner in growth. Whether you’re dealing with delayed payments, scaling your operations, or simply need quicker access to cash flow, we help bridge the gap — without loans, complexity, or hidden costs.
About Optima Ltd
At Optima Limited, we believe finance should be accessible, efficient, and built to support real business needs. That’s why we’ve developed a fully digital factoring solution designed specifically for SMEs, suppliers, and exporters. We’re not just a fintech platform — we’re your partner in growth. Whether you’re dealing with delayed payments, scaling your operations, or simply need quicker access to cash flow, we help bridge the gap — without loans, complexity, or hidden costs.
Our Mission
To provide fast, fair, and accessible financing that empowers businesses to grow without compromising on transparency or integrity.
Our Vision
To become the leading global platform for ethical business financing — empowering SMEs and entrepreneurs with fast, seamless access to capital through innovation, transparency, and integrity.
Ethical by Design
Our financing model is structured around transparent, contract-based principles designed to support real business needs.
Focused on SMEs
We understand your challenges. Our platform is tailored to the unique needs of growing businesses.
Built on Values, Backed by Experts
Our commitment to responsible finance goes beyond avoiding outdated practices — it’s about upholding trust, transparency, and accountability in every transaction. Our operations are built on a clear, contract-based model that enables fast access to working capital in a fair and structured way.
We continuously review and enhance our platform to align with evolving business needs and technological innovation. When you work with Optima Limited, you’re partnering with a team that values both operational excellence and long-term business integrity — helping your company grow without compromise.
Empowering Your Business,
Whether you’re an ambitious startup, an established exporter, or a growing SME navigating cash flow challenges, Optima Limited provides the smart, flexible financing solution you’ve been looking for. With fast digital access, transparent structures, and a commitment to integrity — we’re here to fuel your next chapter of growth.
Helping Company Grow Financially with Technology
Digital Access to Halal Capital
Our fully online platform lets you unlock working capital through a paperless, secure process — no hussle, no delays.
Transparent Trade-Based Financing
Our financing model enables access to liquidity through real, transaction-based activity — not traditional interest-bearing debt.
Get Paid your Ringgit, Fast
Submit your invoice, get verified, and receive AED funds directly to your account — often within 1–3 business days.