OTTO runs 143 lenders through your company profile, probability-scores them 0–100, and sends intro emails to your top 3 matches. Creditsafe checks. CH analysis. Live decision odds. Zero broker commission. No guessing.
Lenders want brokers in the middle. Brokers want their 2–5%. You pay for both — in time, credit score damage, and cash.
There are over 100 non-bank lenders active in the UK right now. Most SME directors have heard of three. When your bank declines, it feels like a dead end. It isn't — you're just looking at the wrong door.
A finance broker adds value if you have the time and margin to pay for it. Most directors don't. You're paying £10,000–£50,000 in fees on a £1m facility for something that, with the right tool, you could do yourself.
Hard searches from unsuitable lenders compound. An invoice finance company that doesn't touch your sector. An asset lender below your facility size minimum. Each rejection narrows your options for the next one.
Five steps. No finance expertise required. OTTO brings the knowledge — you make the final call.
Sector, Companies House number, turnover, trading history, CCJ status, and the type and size of facility you need. Takes 90 seconds to fill in. OTTO does the rest.
Input → ProfileOTTO runs your profile against every lender in its database — sector fit, minimum trading requirements, CCJ tolerance, advance rates, credit thresholds, facility size ranges, decision speed. Every lender. Every criterion. Every time.
143 lenders scored 0–100OTTO surfaces the lenders most likely to approve your application — ranked by match score. You see the score, the reasoning, and exactly why each lender fits (or doesn't). No more guessing.
Ranked shortlistFor each top lender, OTTO writes a professional introduction email — already personalised to the lender's known preferences, your facility type, and your company profile. Editable before you send.
Intro email ready to sendReview OTTO's output, make any edits you want, and send directly. You're now in conversation with the UK lenders most likely to say yes — without paying a broker to make the introduction.
Direct lender relationship. No middleman.OTTO's database spans every significant lending category in the UK market — including specialists most SME directors have never heard of.
143 lenders scored — updated continuously as new funders enter the UK market.
A construction company. £800k turnover. 2 CCJs. Seeking £150k invoice finance. This is OTTO's top 3.
To: invoice@sonovate.com
Subject: Invoice Finance Enquiry — [Your Company] — Construction, £150k
Dear Sonovate team, I am the director of [Company], a construction business with £800k annual turnover. We are looking to put an invoice finance facility in place for £150k against our debtor book...
OTTO also flags the 140 lenders that didn't make your list — and why. Too low an advance rate. Minimum trading period not met. Sector exclusion. CCJ threshold exceeded. Knowing who not to approach protects your credit profile and saves months of wasted effort.
One successful lender intro pays for 12 months of OTTO. Use it unlimited times.
No commitment. Cancel any time. First match returned within 24 hours.
Every match is scored against seven core criteria. No criterion is overlooked. No lender is assumed to fit.
Many lenders specialise — or exclude — specific sectors. Construction, recruitment, healthcare, retail, professional services. OTTO knows every preference.
Each lender has a minimum credit threshold. OTTO matches your score range to lenders within tolerance — protecting your profile from hard searches you won't pass.
Some lenders require 2 years. Others will fund startups at 3 months. OTTO surfaces only those whose minimum trading requirement you actually meet.
CCJs don't close every door — they close the wrong ones. OTTO knows which lenders consider CCJs, at what value, and with what recency. No assumptions made.
Invoice finance, asset finance, trade finance, commercial mortgage, term loan — OTTO only matches you to lenders active in the facility type you actually need.
The percentage of your invoice or asset value a lender will fund. If you need 85% and a lender caps at 70%, OTTO scores them down accordingly.
Same-day, 48-hour, 2-week, 8-week. If your situation is urgent, OTTO prioritises lenders that can move at the speed you need.
Three agents that feed into — and benefit from — OTTO's lender intelligence.
143 lenders. Your exact profile. Scored, ranked, and matched — with the introduction email already written. Your first match comes back within 24 hours.
Find My Lender Match Tonight →