Sefydlwyd Optimum Credit ar ddiwedd 2013 diolch i £600,000 o gyllid busnes oddi wrth Lywodraeth Cymru a chymorth gan Patron Capital Partners, sef cwmni buddsoddi blaenllaw ac un o brif reolwyr eiddo tiriog Ewrop.
Optimum Credit was established in late 2013 with £600,000 business finance from the Welsh Government and backing from Patron Capital Partners - a private equity real estate investment house and one of the leading real estate managers in Europe.