Definitely. Optilon forwards the credit application to several financial entities at the same time, if several credit offers have been received from several different entities, it is possible to combine the offers (perform consolidation) in order to receive the required amount on optimal terms.

The interest rate varies from one financial entity to another, Optiloan transfers the credit application to several entities in order to allow you to choose the optimal offer for your business.

Certainly, you can choose the financial entities to which you would like to send the application and between allow the bank and your branch.

Whatever you need!

Optiloan's digital arena offers a variety of credit types that support the needs of small and medium-sized businesses:

• Credit line - a short-term credit product that meets the immediate need for cash flow mediation and working capital financing
• Loans - long-term one-time credit (for investment / exceptional expenditure)
• Discounting checks / short-term loans against proven receipt / factoring - short-term credit products in small amounts

No, the credit is obtained from the body / financial entities, but we will help you submit the application easily and quickly and choose the most optimal offer for you.

You can request any amount between NIS 100,000 and say NIS 10,000,000.

Optiloan matches the financial entities with the credit and product needs of the business and sends your request to several financial entities simultaneously in accordance with:

- Your choice

- Your credit needs

- Credit risk assessment of your application

Of course, the system allows a choice between the financial entities to which you want to send the application and makes adjustments to the needs and credit products. In addition, Optilon's credit counselor will hold a zoom call with you before sending the application and verify all the details in front of you.

It is not possible to submit two applications under the same business at the same time, however it is possible to open several applications to several businesses that are owned by one as well as to submit several applications one after the other.

Anyone can open the credit application, but the sending will be with the approval of the business owner only.

of course! Our fast credit calculator is designed for just this purpose - try it here.

The application will only be forwarded to financial entities that will be approved by you. Optiloan only works with financial entities supervised by the Bank of Israel or by the Capital Market Authority

for sure! As part of the application process, you will be scheduled to speak with Optiloan's credit counselor (prior to submission). If necessary, you can request another call.

financial reports

trial balabce

VAT reports

Social security reports

Yes, whether it is an active business or a start-up business.

Once you have chosen the most optimal offer for you, Optiloan will make the link with the lending body for the purpose of completing the process and obtaining the credit.

Optiloan writes the application in full for the financial body with the aim of shortening the underwriting and approval processes, the length of time the answer can vary from one financial body to another and can take several hours to several days.

Definitely. If the conditions are right, you can split the receipt of credit (perform consolidation) and enjoy optimal credit terms.

Optiloan sends your application to several financial entities simultaneously in accordance with your credit needs and business profile. In this way, the system allows you to choose between the options offered and even receive the credit from two entities together in order to reach the required level of credit and receive the best terms.

The financial entities to which the application is sent are selected by a combination of several parameters:

• customer selection
• the credit needs of the business
• necessary credit products
• the credit risk appetite of the financial body
• Optiloan system is an intelligent AI system that learns to adjust the offers between the customers and the financial entities

. I do not have an ERP system / I prefer not to allow access to my ERP system, can I still use Optilon?

Definitely!

Businesses that do not have an ERP system or do not want to allow access to the system, can choose the personal route and receive personal guidance from a senior credit consultant from Optilon who will collect the data, set up the credit application and submit it to several financial entities of their choice without any connection to the business. To join the personal track >>. locate

Optiloan enables fast and secure connection to the three most common account management systems in Israel:

• SAP

• You calculated

• PRIORITY

Businesses that work with other account management systems can choose the personal route that allows for a credit application through Optilon's credit counselor and without the need to connect to the business's ERP system.

At the same time, we are working hard to add additional account management systems to enable all businesses to apply for and receive credit easily and quickly.

Optiloan operates in accordance with the rules of the Privacy Protection and Information Security Law

We have invested the most resources to ensure that all information, yours and ours, is encrypted and secure.

The Optiloan system operates in the most secure and up-to-date Microsoft Power BI environment and we regularly monitor access to the databases with the most advanced security technologies so that we can all lend, borrow and compare with peace of mind.

What are the joining routes?

Optilon allows 3 joining routes:

[Details of the routes as they will appear on the website]

Payment for setting up and submitting the application is made at the joining stage according to the chosen route:

The direct route - 250 NIS

The fast route - 350 NIS

The personal route - 450 NIS

Upon receipt of the loan, a fee will be charged according to the amount of the loan:

Loans of up to NIS 1,000,000 - a fee of NIS 1,300 will be charged.

Loans of more than NIS 1,000,000 will be charged a commission of 1% of the loan amount.

• Will I be charged even if I did not receive the loan? If no credit offers have been received or if you have decided not to accept the offers received, no charge will be made for the loan. In this case, the only payment will be for setting up and submitting the application depending on the joining route you have chosen (personal, direct or fast).

Is there an additional charge beyond the fee for joining?

If a loan is received, a fee will be charged according to the amount of the loan:

Loans of up to NIS 1,000,000 - a fee of NIS 1,300 will be charged.

Loans of more than NIS 1,000,000 will be charged a commission of 1% of the loan amount.

. Is it necessary to go through a bank for the purpose of submitting a credit application and receiving the credit through Optiloan?

There is no need. Optiloan allows customers of all banks to submit credit applications to a variety of financial, banking and non-banking entities, without belonging to the bank where their account is managed.

Optiloan offers 4 notable benefits to businesses looking for financing:

• Easy, simple and fast process - the digital system enables quick submission and saves time, money and effort.
• A variety of financing options - Credit applications are sent in parallel to a number of financial entities, thus allowing businesses access to a variety of financing sources from banking and non-banking entities.
• Improving financing conditions - the business can choose the most optimal credit offer for it and even choose to consolidate and receive credit from two different financial entities.
• Help and guidance - All Optiloan's credit applications are supervised by a senior credit counselor who will conduct a zoom conversation with you before submitting the application, review it in detail and verify that it is valid and complete.

Who is behind Optiloan and what is the experience in the field of credit?

Ran Gabay, founder and CEO of Optiloan, is a credit manager with rich experience of decades in the field of business credit and risk management.

In the past, Ran served as a credit officer at one of the leading banks in Israel, as the Director of Risk Management at MAX (formerly Leumi Card) and as an Assistant CEO and Chairman of MAX. This rich experience and his in-depth knowledge of all business credit processes and aspects enabled Ren to establish Optiloan and allow businesses and financial entities business credit in a fast connection.

Optiloan is a business credit arena that allows businesses to get credit easily, quickly and under optimal conditions:

• Optiloan writes the application and thus significantly shortens the process.
• Optiloan works with banking and non-banking entities and sends the credit application to several entities simultaneously to allow businesses to compare offers and select the most attractive offer for them. Optilon enables a fast digital process for requesting credit
• All credit applications are supervised by a senior credit advisor and are written in accordance with the banking standard in order to enable financial entities to make quick credit decisions and shorten processes.