Ultimate Finance Reviews

Ultimate Finance is a trusted lender known for flexible financing solutions and positive customer reviews, supporting diverse financial needs effectively.

Here are the Trustpilot Reviews from Ultimate Finance:

Here are the Reviews from Ultimate Finance:

I have been using Ultimate Finance for the past few years and it has been a great experience throughout. The team are always there to help and quick to respond. I would highly recommend to anyone needing to use this type of facility within there business.

Greg Blacker

We have been with Ultimate Finance for a long time now, and we have really been able to push our business forward because of their support. Kaci and Debbie are fantastic to deal with and always on hand when we need them. I would really recommend this company and wouldn't use any other for our financial needs. Enterprise Workwear Ltd R. Cannon.

Rebekah Smith

What a great company to work with, they were there from the start and are such a pleasure to deal with. Nothing is too much trouble and their customer service and flexibility is second to none. You can always talk to a member of the team not a soulless automated machine that some of the big name lenders offer.

David

Very easy to get started - plus great support and backup from the Ultimate team. I can certainly recommend them as a business finance provider.

Bill

I've been using Ultimate Finance for over a year, mainly for invoice factoring, and it's been a game changer. Cash flow was a constant challenge before, but their support has made things much smoother. Our account manager Debbie has been brilliantâalways friendly, proactive, and genuinely invested in helping our business run smoothly.

Ellie Thorpe

We have been working with Ultimate for over two years now and during this time we have found them to be very professional and supportive. Jane and Dylan are very approachable and always happy to offer their assistance when needed and proactive if any issues arise. We receive a personal service from the Team which makes all the difference. Thank you!

S Booth

Explore Ultimate Finance's Finance Solutions:

Invoice Finance (Factoring & Discounting)

£100,000 - £7,500,000 facility limit (up to 95% of invoice value)

Construction Finance

£100,000 - £2,500,000 facility limit (up to 70% of uncertified applications / 95% certified invoices)

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Explore Ultimate Finance's Finance Solutions:

Loan Type:

Invoice Finance (Factoring & Discounting)

Loan Range:

£100,000 - £7,500,000 facility limit (up to 95% of invoice value)

Loan Terms:

Rolling 24-month agreements with 3-month notice to terminate

Minimum Turnover and Trading Age:

Typically £500k annual turnover and 6+ months trading

Interest Rate:

Discount margin approximately 2.0% - 4.0% over Base Rate; service fees 0.10% - 3.00% of invoice value

Fees:

Arrangement fee (usually 0.5% - 2.0% of limit), service fee, discount fee, audit fee, optional bad-debt protection premium

Loan Type:

Construction Finance

Loan Range:

£100,000 - £2,500,000 facility limit (up to 70% of uncertified applications / 95% certified invoices)

Loan Terms:

12 - 24 months rolling with notice period

Minimum Turnover and Trading Age:

12+ months trading and contracts under CIS

Interest Rate:

Service fee 0.30% - 3.50% of application value plus discount margin 2.5% - 4.5% over Base Rate

Fees:

Arrangement fee up to 2%, survey fee, service & discount fees, trust account charges

Loan Type:

Asset Finance (Hire Purchase & Finance Lease)

Loan Range:

£10,000 - £1,500,000 per asset facility

Loan Terms:

12 months to 60 months

Minimum Turnover and Trading Age:

Minimum 2 years trading or 12 months with strong guarantor

Interest Rate:

Representative flat rate 4.5% - 12.0% (approx. 9% - 19% APR)

Fees:

Documentation/option to purchase fee (£150 – £250), arrangement fee up to 2%, early settlement interest rebate less charges

Loan Type:

Bridging Finance (Residential & Commercial)

Loan Range:

£100,000 - £10,000,000

Loan Terms:

3 months to 18 months

Minimum Turnover and Trading Age:

No minimum trading history – available to SPVs, individuals or companies

Interest Rate:

0.55% - 1.25% per month (rolled or serviced)

Fees:

Arrangement fee 2%, exit fee 1% (if applicable), valuation & legal costs payable by borrower

Loan Type:

Trade Finance (Import & Purchase Order Funding)

Loan Range:

£25,000 - £2,500,000 revolving limit

Loan Terms:

Up to 120 days per drawdown, revolving for 12-month facility term

Minimum Turnover and Trading Age:

At least 1 year trading and £500k turnover

Interest Rate:

1.50% - 2.50% per 30-day period on funds in use

Fees:

Arrangement fee up to 1.5%, transaction fee per drawdown 0.5% - 1.0%, FX margin if applicable

Loan Type:

Trade Finance (Stock & Purchase Finance)

Loan Range:

£100,000 - £2,000,000 (up to 90% of supplier invoice)

Loan Terms:

30 – 120 days per transaction

Minimum Turnover and Trading Age:

£500k turnover and 12+ months trading

Interest Rate:

1.00% – 2.00% per 30 days

Fees:

Arrangement fee 1%; transaction fee £35 – £75 per draw

More About Ultimate Finance

Ultimate Finance Limited, established in 2002 and based in Bristol, is a specialist asset-based lender authorised by the Financial Conduct Authority. It offers Invoice Finance, Asset Finance, Bridging Finance and related working-capital products designed primarily for UK SMEs. The lender is suitable for growing and mid-market businesses needing flexible funding from £25,000 up to £10 million. However, start-ups and lower-turnover firms may face eligibility restrictions. For an overview of invoice finance, see Invoice Financing.

Key Features of Ultimate Finance

Ultimate Finance provides a range of practical services to meet diverse business needs, operating with a relationship-driven model supported by digital tools.

Offers a 24/7 online client portal for live balance updates, document uploads and reporting.
Provides access to dedicated relationship managers and a local support approach where necessary.
Enables multi-product structured finance solutions combining different funding facilities under one limit.
In-house credit control and debtor protection options are offered to help manage risks involved in lending.
Credit decisions are typically delivered within 24 to 48 hours, facilitating fast underwriting and funding.

Eligibility for Funding

You may qualify for Ultimate Finance funding if your business meets trading history and turnover requirements generally ranging from 6 to 24 months and approximately £500,000 annual turnover. Some products, like bridging finance, do not require a minimum trading history. Be aware that personal guarantees or debentures are usually required. For more on qualifying criteria, see How To Qualify For A Business Loan In The Uk.

Loan Options Available

Ultimate Finance offers an extensive suite of loan types that cover working capital, asset purchase, construction, trade finance and short-term bridging finance. These products are suited to business growth and cash flow management.

Invoice Finance: Facilities from £100,000 to £7.5 million with rolling 24-month agreements. Advance rates up to 95% of invoice value. Discount margins about 2.0% to 4.0% over Base Rate plus service fees up to 3% of invoice value.
Asset Finance: Financing for equipment and vehicles from £10,000 to £1.5 million per asset. Terms typically range from 12 to 60 months. Representative flat rates from 4.5% to 12%.
Bridging Finance: Short-term property loans from £100,000 up to £10 million. Terms from 3 to 18 months with interest rates from 0.55% to 1.25% per month. Highest loan-to-value up to 75% on residential or commercial property.
Trade Finance: Revolving credit from £25,000 to £2.5 million with terms up to 120 days per drawdown. Interest typically 1.5% to 2.5% per 30-day period on funds used.
Construction Finance: Funding from £100,000 to £2.5 million with rolling 12 to 24 months terms, suited to contractors and subcontractors under CIS.

How to Apply

The application process is primarily online with rapid response times. Documents can be signed electronically or in person to ease access.

Start by submitting an online enquiry form via Funding Agent's form to initiate contact.
Provide required documentation including latest accounts, bank statements, aged debtor lists, asset valuations, or property details depending on loan type.
Underwriting and credit approval usually occur within 48 to 72 hours after submission of all information.
Funding for invoice and asset finance typically happens within 7 to 10 days; bridging completions can be as fast as 7 to 14 days.

Funding Agent’s view on Ultimate Finance Limited

Ultimate Finance Limited is a FCA-regulated lender offering a comprehensive range of asset-based finance solutions aimed at established UK SMEs with moderate turnover and trading history. Its offerings suit businesses focused on working capital, asset acquisition, property bridging and trade support. Those with start-ups, early-stage businesses, or low turnover may find eligibility requirements restrictive. For more information on loan options, consider the business loans overview or use the loan calculator to estimate costs and suitability before applying.

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