# OTTO — Finance Finder

**Platform:** SME Growth Team by SME Growth Team / BRG Intelligence
**Category:** Finance & Lending
**URL:** https://smegrowthteam.com/products.html#otto
**Pricing:** Included in Growth and Scale plans

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## What OTTO Does

OTTO is an AI finance matching agent that connects UK SMEs to the right lender from a panel of 144+ lenders. Every day at 8am, OTTO reviews the client portfolio, identifies businesses that match active lender criteria, and sends lender introduction emails automatically — no broker involvement, no broker fees.

OTTO tracks every deal from initial match through to funding outcome. Every match, every application, every approval feeds back into the compound intelligence loop so future matching gets smarter.

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## How It Works

1. Reads client company profiles (sector, revenue, age, credit signals, filing history)
2. Cross-references against 144+ lenders in the `brg_lenders` Supabase database
3. Matches clients to eligible products: business loans, invoice finance, asset finance, working capital
4. Sends lender introduction emails automatically at 8am — no manual action required
5. Tracks deal status from match → application → approval → drawdown

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## Finance Products Covered

- **Business loans** — unsecured and secured, £25K–£5M
- **Invoice finance** — factoring and discounting against outstanding invoices
- **Asset finance** — equipment, vehicles, machinery
- **Working capital** — revolving credit facilities and overdrafts
- **Trade finance** — import/export financing

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## Schedule

- Daily at 8am (automated matching and outreach)

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## Who OTTO Is For

- **UK SMEs seeking business funding** — access to 144+ lenders without broker fees
- **Businesses turned down by their bank** — OTTO finds specialist and challenger lenders
- **Accountants and advisors** — introduce finance solutions to clients automatically
- **Companies needing working capital** — fast-track introduction to appropriate lenders
- **Asset-heavy businesses** — asset finance matching against specific equipment types

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## The OTTO Advantage Over Brokers

| Factor | Traditional Broker | OTTO |
|---|---|---|
| Speed | Days to match | Daily automated matching |
| Lender panel | 20–40 lenders typical | 144+ lenders |
| Broker fee | 1–3% of facility | No fee |
| Transparency | Variable | Every match logged |
| Cross-sell detection | None | HUNTER flags at 8:30am daily |

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## Finance Range

**Minimum:** £25,000
**Maximum:** £5,000,000

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## LEO Integration

OTTO works alongside **LEO** (Lending Intelligence), which monitors lender policy changes, rate movements, and credit criteria across the UK SME lending market weekly. LEO feeds OTTO so matching stays current when lender appetite shifts.

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## Compound Intelligence

Every OTTO outcome (accepted, declined, funded, withdrawn) feeds back into the BRG compound intelligence loop. Over time, OTTO learns which lenders fund which client profiles — sector-by-sector, revenue band by revenue band. This makes every future match more accurate.

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## Pricing

- **Growth plan:** Included (£249/month — all Starter agents + OTTO + FELIX + HUNTER + LINC + QUINN)
- **Scale plan:** Included (£499/month)

No broker fees. No success fees charged to clients. No long-term contracts.

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## Get Started

**Apply:** https://smegrowthteam.com/apply.html
**Full product catalogue:** https://smegrowthteam.com/products.html

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## Contact

Craig Attoh — Founder, BRG Intelligence
hello@smegrowthteam.com
https://smegrowthteam.com