Bridge the gap between opportunity and execution with Optimal MetroHub Bank's flexible working capital facilities. Fast, unsecured, and founder-friendly.
Secure stock for peak seasons with flexible repayment terms aligned to your sales cycle.
See the facilityFund high-impact marketing campaigns or international expansion with ease.
See the facilityMaintain cash flow continuity for your team during late-paying contract cycles.
See the facilityAgile funding for tactical acquisitions or buyout opportunities on short notice.
See the facilityBetter than traditional bank loans. Faster than venture equity.
Max Amount
5M
Approved in 48 hours.
Interest Rates
FROM 0.8%
Monthly fixed cost.
Term Length
3 - 24 Mo
No early exit fees.
We don't just look at credit scores. Our AI analyzes your real-time revenue data through API integrations to offer terms that reflect your true potential.
Funding Availability
Eligible Facility
1,250,500
Dynamic APR
4.2%
From application to capital in your account within 48 hours.
Securely link your bank and accounting APIs in 30 seconds.
Get a definitive funding offer within 24 hours of connection.
Instant transfer to your Optimal MetroHub Bank business account.
"Optimal MetroHub Bank's working capital facility allowed us to triple our inventory before our biggest sale season ever. The process was entirely digital and remarkably fast."
CEO, Nordik Dynamics
Our criteria and our facility terms are published rather than kept behind an application form.
Trading history, turnover, cash flow quality, security and what to have ready.
OpenRevolving credit, invoice finance, stock funding and short-term loans, compared.
OpenFor acquisitions, expansion and capex, where working capital is the wrong instrument.
OpenAsset-backed funding with the term matched to the life of the asset.
OpenLatest filed accounts, plus management accounts if those are over six months old.
Six to twelve months of business bank statements, or a connected accounting feed.
A current aged debtor and aged creditor report.
Details of existing borrowing, balances, terms and any security given.
Identity and address evidence for directors and beneficial owners.
A specific use of funds, with the repayment source named.
Apply
From inside your business account, with the pack on the left.
Assessment
Cash flow, debtors, commitments and conduct reviewed together.
Offer
Limit, rate, term, security and every fee, in writing.
Drawdown
Funds available, with the facility visible in your dashboard.
Start the application online, verify your identity, and fund the account. Most straightforward applications are completed the same working day.
Read the full answerWe're here to guide you through every financial milestone.
