We do this by providing high-quality independent advice based on over 40 years experience. Our expertise combines so that clients can benefit from comprehensive and tailored financial solutions.

Michael has been involved in the banking, commercial and asset finance and leasing sectors for over 40 years the last 20 as an independent specialist broker providing a comprehensive suite of business financial solutions for businesses and their director owners

Michael has maintained a long-standing relationships with clients who refer to him for all aspects of their business and personal financial borrowing requirements. He is a key introducer to a large and varied specialist panel of the banks, finance houses and financial institutions who provide commercial loans, business banking, cashflow finance, asset finance and other bespoke banking and financial products for clients

Whether it is a company car for a director, home mortgage, residential buy to let or commercial property investment, bridging Loan, Business occupier commercial loan, property development or asset finance for business purchases such vehicle fleets, plant, machinery and equipment , business acquisition or expansion, or indeed any other financial or banking requirement, Michael is a first choice for an informed up-to-date professional and personal approach to your specific requirements

Opto Business was established in 2004 and works alongside our sister company Gap Funding Limited to support our existing and new business owner clients with a personal service to help them on their own personal and business property purchase requirements for residential buy to let and commercial property investment

Information on Gap Funding Limited and Asset Based Funding can be obtained at www.gapfunding.co.uk ( Please note that neither Michael Gaffney or Connect IFA Ltd are responsible for the accuracy of the information contained within the linked site accessible from this page) We also support our business clients on a referral basis to a carefully selected panel of regulated home mortgage specialists for their home mortgage purchase and remortgage requirements

In addition, referral for personal financial planning and wealth management advice to support both their long-term business and personal goals covering mortgage insurance cover, health cover and director shareholder protection through our network of regulated advisors

Our partnerships have specific areas of expertise and our aim is not to work autonomously but to combine our expertise so that our clients can benefit from comprehensive and tailored financial solutions

Opto Business 499171 is an appointed representative of Connect IFA Limited 441505 which is authorised and regulated by the Financial Conduct Authority (FCA) The FCA des not regulate Business Buy to let Mortgages and commercial mortgages to Limited companies. Not all services we offer are regulated by the FCA. Opto Business is an ordinary partnership operated by Michael Gaffney and Joanne Gaffney whose registered office is at 6 The Common Ashtead Surrey KT21 2ED

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers and businesses based in the UK. There will be a broker fee payable for our advice. The precise amount will depend upon your circumstances but will be no less than £1,290.

Your property may be repossessed if you do not keep up repayments on your mortgage

off: 01372 276 631 mob: 07840 369 002

email: enquiries@optobusiness.co.uk

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