Non-Bank Finance for Property & Business

Optima is a sophisticated finance company delivering agile lending solutions for property developers and business owners. Digital-first and built for speed, we move capital with confidence so you can grow faster.

We place you in the most optimal position.

Our service is fast, reliable and effective.

Commercial  Loans

Bridging Finance
Second Mortgages
Funding Without Friction

Flexible short-term funding for property transitions, acquisitions and expansion. Structured quickly, with repayments deferred to reduce pressure and maintain momentum.

explore

Development  Funding

Real Estate Loan
Site Acquisition
Construction
Residual Stock
Mezzanine

Flexible funding across acquisition, construction and completion, structured for speed, certainty and project momentum.

explore

Debt Advisory

Beyond Optima’s Funding
Proven Expertise
Access Full Lending Market

Independent guidance across banks, private lenders and institutions. We structure and place debt efficiently to secure the right capital solution.

explore

Investing

Private Debt Direct Access
Transparency & Control
Aligned Interests
Control Your Capital

Access secured private debt opportunities and choose where your capital works. Transparent structures, aligned interests and disciplined credit management.

explore

Raised +

over 200m capital

Unlock Growth

Raised +

over 200m capital

Unlock Growth

300+

Loans funded

Dynamic speed

to market

300+

Loans funded

Dynamic speed

to market

modern finance

180+

developments

completed

modern finance

180+

developments

completed

85% LVR

more equity

Limitless potential

85% LVR

more equity

Limitless potential

our mission

Raise. Lend. Grow.

We structure capital around opportunity. From unitranche to mezzanine and asset-backed funding, our flexible approach supports acquisitions, transitions and growth where traditional lenders often fall short.

Unitranche lending
Mezzanine capital

Asset-backed funding
Complex transactions

Learn More

Timing shapes opportunity. Our lean structure and experienced deal team enable fast decisions and efficient funding, helping borrowers secure capital quickly and move forward with confidence.

Rapid decisions
Fast funding

Lean process
Experienced team

Learn More

Unitranche lending
Mezzanine capital

Asset-backed funding
Complex transactions

Learn More

dynamic finance

Empowering Business Potential

We help developers, business owners and investors access fast, asset-backed capital for growth and momentum.

Flexible capital helping businesses acquire, expand or stabilise operations without unnecessary complexity.

Flexible funding helping property developers secure land, fund construction and move projects forward.

Private debt opportunities giving investors control, transparency and disciplined access to secured lending.

Learn More

Track Record

$2bn

Advised and structured transactions across lending, development and private credit.

300

Loans funded across business, property and investment opportunities.

Enquire Today

Optima.
Not your average capital finance company.

We’re a dynamic and sophisticated team, operating at the intersection of technology and the future of finance. With strategic minds and a progressive spirit, we asses and evaluate risks, while identify unique lending opportunities with speed and precision.

We work with ambitious business owners and entrepreneurs, putting them in the optimal position to buy, invest, acquire, develop, and streamline their ventures. No overcomplication. Just simple, clear solutions focused on what matters for you.

Above all, Optima is your partner — and your platform for growth.

Meet our leaders.