Translate the text from English to Welsh.



 
The company has built up a loan portfolio of over £275m through a network of specialist third party mortgage brokers and now plan to build a retail channel lending directly to customers.

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. 

Welsh Government funding was for the creation of create 44 jobs over five years – the company has exceeded all targets and currently employs 82 at its offices in Dumfries Place.   

The company’s expansion is supported by £140K from the Welsh Government’s Growth and Prosperity Fund to create a further 23 jobs and will, in turn, trigger further investment into the company from Patron Capital Partners.

Economy Secretary Ken Skates said: 


> “Optimum Credit is very much a made\-in\-Wales success story. The business has undergone rapid growth in a short time to take the number one position as the UK’s largest lender in the second mortgage market.
> 
> “This is quite an achievement in what is a highly competitive market and the company now plan to build on that success by offering their bespoke priced products directly to customers.
> 
> “I am delighted the Welsh Government is supporting their next stage of growth that will enable them to take advantage of new opportunities and create more well paid, highly skilled jobs. 
> 
> “Optimum Credit is a prime example of the innovative, high growth companies and established national and international centres in the financial and professional service sector that have chosen to invest and grow their businesses in Wales.”

Ian Praed, Optimum Credit's Chief Operating Officer said; 


> “We’re delighted to continue our positive relationship with the Welsh Government in the further development of Optimum here in Cardiff.  From the original start up support provided via their Growth and Prosperity Fund we have created over 80 jobs to date and look forward to adding to this number as we develop and roll out our direct to consumer proposition.”

A retail sales capability will enable Optimum Credit to expand its product range and interact with customers using their channels of choice, delivering through the internet and mobile technology.







Translation:


 
Mae’r cwmni wedi datblygu portffolio o fenthyciadau sy’n werth dros £275 miliwn drwy rwydwaith o froceri morgeisi trydydd parti arbenigol ac mae’n cynllunio bellach i ychwanegu cyfleuster manwerthu a fydd yn caniatáu i gwsmeriaid fenthyg arian yn uniongyrchol.

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. 

Bwriadwyd defnyddio’r arian hwn i greu 44 o swyddi dros bum mlynedd. Mae’r cwmni wedi rhagori ar y targed hwn ac mae’n cyflogi 82 o staff bellach yn ei swyddfeydd yn Dumfries Place.   

Mae’r Llywodraeth hefyd yn cyfrannu £140,000 o’i Chronfa Twf a Ffyniant er mwyn creu 23 o swyddi pellach a bydd yn sbarduno, yn ei dro, Patron Capital Partners i fuddsoddi ymhellach.

Dywedodd Ken Skates, Ysgrifennydd yr Economi: 


> “Mae Optimum Credit yn stori wych o ddatblygiad llwyddiannus cwmni yng Nghymru. Mae’r busnes wedi tyfu’n gyflym mewn byr amser i ddatblygu’n un o fenthycwyr mwyaf y DU yn y farchnad ail forgais.
> 
> “Mae hyn yn dipyn o gamp yn enwedig gan ei bod yn farchnad hynod gystadleuol. Mae’r cwmni bellach yn bwriadu adeiladu ar y llwyddiant hwn drwy gynnig cynhyrchion â phris pwrpasol yn uniongyrchol i gwsmeriaid.
> 
> “Rwyf wrth fy modd bod y Llywodraeth yn cefnogi’r cam nesaf a fydd yn galluogi’r cwmni i fanteisio ar gyfleoedd newydd a chreu mwy o swyddi da i weithwyr medrus.
> 
> “Mae Optimum Credit yn gwmni arloesol a thwf uchel ac yn enghraifft wych o ganolfan genedlaethol a rhyngwladol sefydledig yn y sector gwasanaethau ariannol a phroffesiynol sydd wedi dewis buddsoddi a datblygu ei fusnes yng Nghymru."

Dywedodd Ian Praed, Prif Swyddog Gweithredu Optimum Credit: 


> “Rydym yn falch o weld ein perthynas â Llywodraeth Cymru yn parhau wrth inni ddatblygu Optimum yma yng Nghaerdydd.  Ers cael yr arian gwreiddiol drwy ei Chronfa Twf a Ffyniant, rydym wedi creu dros 80 o swyddi hyd yn hyn ac yn edrych ymlaen at ychwanegu at y rhif hwn wrth inni ddatblygu a chyflwyno ein cynigion yn uniongyrchol i ddefnyddwyr.”

Bydd y cyfleuster manwerthu yn galluogi Optimum Credit i ehangu ystod y cynhyrchion y mae’n eu cynnig ac i gyfathrebu â chwsmeriaid drwy’r cyfrwng y maen nhw’n ei ddewis, gan ddarparu gwasanaeth ar\-lein a thrwy dechnoleg telathrebu symudol.