AI Act transparency: simulator estimates are indicative and do not constitute financial advice. Details
B2B financial intermediation and advisory
We support SMEs and corporates in accessing credit and the guarantee instruments they need to grow, invest and manage working capital. We are not a bank: we are the experienced, independent partner between your company and the financial system.
Credit file
Request
Structure a 60-month facility for working capital.
Proposal
3 lenders contacted · mutual guarantee added to the file.
Independence
We analyse the need, select the institutions and negotiate the terms. Our interest is the most sustainable solution for your business.
A network of bank partners and funds
About us
OK Finance is an intermediation and advisory firm specialising in financial products and services for businesses.
We exist to close a precise gap: on one side companies with growth plans and capital needs, on the other a credit system that requires structured files, guarantees and predictable timelines.
Our job is to translate a company's need into financeable transactions, selecting the best instruments among bank credit, leasing, guarantees, bonds, factoring and subsidised funds.
We do not represent a single institution: we compare the market and choose the best terms.
We know the metrics banks assess: rating, credit bureau position and debt sustainability.
A complete file, governed timelines and direct dialogue with the institutions.
Services
A complete set of instruments for credit, guarantees and working capital, managed through a single point of contact.
Structured corporate facilities for liquidity, investments and working capital, with a file prepared for the lender.
ContactMachinery, vehicles, plants and property with leasing solutions tailored to the company's operations.
ContactBank and insurance sureties for tenders, supply contracts and contractual obligations.
ContactIssuance and placement of minibonds to diversify funding sources and lengthen the debt structure.
ContactAdvance on trade receivables, collections management and non-recourse or recourse assignment.
ContactAccess to national and European calls and funds, with technical screening and reporting support.
ContactAnalysis and improvement of the bank rating and credit bureau position to access better terms.
ContactRenegotiation and consolidation of debt, exposure management and realignment of financial flows.
ContactPublic and mutual guarantee cover to access credit and support international growth.
ContactFinancial support for M&A, acquisitions and corporate reorganisations.
ContactHow it works
From needs analysis to disbursement, with a single point of contact and governed timelines.
We collect data and objectives: amount, purpose, time horizon and the company's financial position.
We compare credit, leasing, guarantees, bonds and funds, and define the most sustainable structure.
File preparation, dialogue with the institutions and negotiation of terms.
We support you through approval and disbursement, monitoring the transaction over time.
Simulator
An indicative comparison of the two options. Enter amount, duration and indicative rates for a first estimate of the monthly payment and total cost.
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Estimated monthly payment
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Estimated monthly payment
Estimates based on a constant-payment plan. The final residual value is typical of leasing.
Non-binding estimate
Results are generated automatically for illustrative purposes only and do not constitute an offer, financial advice or a contractual commitment. Final terms depend on the lender's assessment. See the AI Act note. AI Act note
Sectors served
We structure transactions considering each industry's production cycle, seasonality and capital intensity.
Why OK Finance
The difference lies in the method, the network and the transparency with which we present your company to the financial system.
Coverage across banks, guarantee consortia, leasing companies, funds and institutional investors.
First response within 48 hours and disciplined management of each underwriting stage.
Structured transactions in credit, guarantees and extraordinary finance for SMEs and corporates.
One contact from first call to disbursement, with no internal hand-offs.
Testimonials and case studies
We present transactions anonymously, by sector and company size, respecting client confidentiality.
“We needed liquidity for a new order and one lender was not enough. OK Finance assembled the file and found the right combination.”
Facility approved in 5 weeks
“The leasing of our operating equipment was structured without straining cash flow. Timelines were met.”
Fleet renewal with no down payment
“The surety for the overseas contract arrived within the tender deadline, with the right SACE cover.”
Surety issued in 10 days
Cases presented anonymously. Details altered to protect confidentiality; no name or identifying data is published without consent.
Insights
Deep dives on credit, guarantees and subsidised finance to help you decide with confidence.
What leasing companies ask for, how the payment plan is built and how to reduce the down payment.
Cash-flow structure, guarantees and debt sustainability metrics: the parts that really matter.
When a bank surety is preferable and when the insurance one is faster and cheaper.
Benefits and costs of issuance, SME requirements and the role of institutional investors.
Interpret reports, correct errors and realign your position to access credit.
Comparing non-recourse and recourse factoring to manage the gap between collections and payments.
FAQ
No. OK Finance is an independent intermediation and advisory firm: we do not lend directly, but select and negotiate the best solutions with banks, leasing companies, consortia, funds and investors.
We provide an initial indicative response within 48 hours of contact. Approval times depend on the lender and on how complete the file is.
The company's essential data and the financial objective. We then request financial statements, cash flows and guarantee information to set up underwriting.
The first analysis is free. Fees are agreed transparently before we proceed, based on the type and complexity of the transaction.
Yes. We operate across Italy, Romania and European transactions, with partners specialised in export and international guarantees.
No. It is an indicative, automatic tool: estimates are not an offer or advice. Final terms are set by the lender.
In compliance with the GDPR. We process data for advisory purposes and to manage your request, as described in the Privacy Policy.
Yes. We analyse your credit bureau position and rating metrics, identifying actions to improve access to better terms.
Contact
Tell us about the transaction: we will get back to you with an initial assessment and next steps.
Pick a slot in the calendar: 30 minutes to review the transaction together.
Open the calendarThe calendar opens in a new window through our scheduling service.
Ion Câmpineanu Street 11, Union International Center, 4th floor
Sector 1, 010031 Bucharest, Romania
Single office — visits by appointment.
AI Act transparency notice
Simulator estimates are generated automatically and are not binding advice. All customer data collected through the site (contact form, simulator) is anonymised by a proprietary algorithm developed by the neuraccent.com team, before any processing or storage.
Details