In these uncertain times there is a certainty that works in the Home Improvement Sector – Finance.

At Optima Consumer Credit Ltd we work with Installers in multiple sectors to help grow their business by using Consumer Finance.

With Consumer finance fast becoming a necessity for Installers in the Home Improvement sector, is this an option that you as a business have considered?

Buy Now Pay Later

Buy Now Pay Later is a product that really does attract customers and can sway the customer’s decision if they are choosing between two Retailers.

Buy Now Pay Later offers the Customer the option to have a payment free period followed by a loan over an agreed term (if the loan is not been settled in the payment free period).

It allows the Retailer to advertise ‘Install now, pay nothing until 2021’ which is an option that has proven very popular since Lockdown.

A number of finance companies have withdrawn the Buy Now Pay Later product and this may have affected you as a business.

An example of the benefit of having the Buy Now Pay Later product is a Conservatories, Windows and Doors Installer. The Installer had their Buy Now Pay Later option withdrawn by their previous Finance Company leaving them with an 8.9% APR over 60 or 120 months only. In a 12 month period they wrote £100k on finance. We spoke to the installer, got to know their business and provided them with a new Buy Now Pay Later option. Within 3 months they had written over £102k on finance. An increase on sales of over 400%.

About us at Optima

Formed in 1998, Optima has grown and developed relationships and trust with the 3 prominent finance companies that we work with today.

We are a family run business who believe that by working with Retailers and building a relationship with them, we are able to understand the needs and goals of our Partners.

Two of these finance companies still offer Buy Now Pay Later alongside Interest Free Credit and Interest Bearing Loans and we are delighted to bring these options to you.

At Optima we can offer a full range of services, including the setting up of the facility, initial and ongoing training on the systems and continued support. We offer simple and efficient E-sign solutions, high acceptance rates and next day payment. Next day payment is not a facility available with every finance company.

Cash flow is a key aspect when running any business and we will be able help you with the payment process via our dedicated Admin Team to ensure the monies reach you without any delays.

Another aspect to finance that we are here to support with is Compliance. Making sure that the finance is processed correctly and explained clearly to a customer is very important. We will work with you to ensure this is the case.

If finance is something that you have considered and believe it will increase turnover and grow your business then please get in touch.

We offer an honest approach and understand how finance works, but we also understand how implementing something new in to the sales process can be a concern, we can also provide clarity and guidance around this.

If you are interested or would like more information then please get in touch.


Tom Symcox

Mob: 07931 658972

Office: 01246 410120



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