Good Funding does

the world of good

Let's go on a journey...

We’re in a very good position
to help

For nearly two decades Ultimate Finance has been relieving business owners from the day-to-day pressures they’re under.

A dedicated local team that wants to help, a wider range of products, a simpler online experience and instant decisions… it all adds up to businesses getting the cash they need to grow, quickly and easily.

We back businesses of all sizes, across 300 sectors, with their individual needs; from simple cash loans and hire purchases to specific industry financing.

Every day people come to us for good funding that’s fast, flexible, friendly, fair and full of options - and it does the world of good for British businesses.

The power of independence


Ultimate Finance provides the best of both worlds - the understanding, speed and flexibility of an independent funder with the reassurance of a successful company that’s backed by an even bigger one.

Being independent ourselves we understand that good funding gives businesses what they really want - more independence.

Backed by the might of the Tavistock Group, the power of our independence has helped all kinds of British businesses maintain theirs via £5billion of good funding.


Great rates

No hidden charges

Fast approvals

Cash delivery

Service guarantee

Each product we’ve developed has you in mind. Whatever stage your business is at, we’ve included the things you want, and removed what you don’t. It’s the little things that do the world of good.

We’ve given you lots of choice because every business needs different things. But all have great rates, no hidden charges, fast approvals, cash delivery and our service guarantee.


That’s why Ultimate Finance products lead the market and take the pressure off business owners.

“Glad i made the switch”

After moving to Ultimate from another provider about 8 months ago, I've been blown away at the difference in service levels and their general approach!


I can't recommend them highly enough and if you are looking for a professional, slick and proactive finance provider, definitely get in touch with Ultimate!

Simon, Valued customer

Cash Advance

A super-fast short-term loan to top up your business credit card or overdraft.


ELIGIBILITY

Ltd companies or LLP’s with 2 years minimum trading


AMOUNT

£5,000 - £50,000


DURATION

30, 60, 90 days


INTEREST RATE

From 1.5% per 30 days


FEES

No set up fees or early repayment penalty


TIMING OF CASH

Within 1 working day


REPAYMENT

Single repayment - debit card or bank transfer


Our Cash Advance is the perfect substitute or add-on to your business credit card or overdraft. Rather than taking weeks to put in place, the money can be in your account within an hour.


It’s cash ready to go.

Ultimate Loan

Our most popular and flexible business loan for whatever you want, whenever you need it.


ELIGIBILITY

Ltd companies or LLP’s with 2 years minimum trading


AMOUNT

£5,000 - £100,000


DURATION

Up to 12 months


INTEREST RATE

From 1.5% per months


FEES

No set up fees or early repayment penalty


TIMING OF CASH

Within 1 working day after approval


REPAYMENT

Monthly by debit card


Spread your costs over a longer time frame, with this simple and fast business loan. You’ll have the money the next working day and there’s no hidden fees or surprises.

Invoice Finance

Get your cash that’s tied up in outstanding customer invoices - and we’ll chase them up for you!


ELIGIBILITY

Any businesses selling to other businesses on credit


AMOUNT

Up to 95% of your unpaid invoice value up to £5m


DURATION

Unlimited - rolling contract


INTEREST RATE

Competitively priced


FEES

Set up and service fees apply


TIMING OF CASH

Funding within 1 week


REPAYMENT

Revolving working capital facility


Get the money you’re owed quicker. We simply use your sales ledger as an ‘asset’ that you can borrow against. Then you get the cash that’s tied up in unpaid invoices - and you don’t even have to chase your debtors for payment.

Bridging Loan

Fill the gap when buying or renovating property until long-term investment is in place.


ELIGIBILITY

Commercial, semi-commercial and residential properties for buy-to-let or investment


AMOUNT

£25,000 - £2m. Max 75% loan-to-value (LTV)


DURATION

Up to 18 months


INTEREST RATE

From 0.95% per month


FEES

Set up fee of 1.5% (or £1,000, whichever is greater). No early repayment penalty


TIMING OF CASH

Funding within 1 week


REPAYMENT

Monthly serviced/rolled


You’ll never miss an opportunity to buy, renovate or secure a commercial property. This short-term loan gives you the breathing space to arrange long term funding or sell your property.

Asset Finance

Get the equipment you need without the big upfront costs.


ELIGIBILITY

Non-regulated business facilities only


AMOUNT

Min £5,000 (Ltd company) or £25,000 (non-limited). Max £1m for a single customer


DURATION

12 months - 60 months


INTEREST RATE

Competitively priced


FEES

Set-up fee and option-to-purchase fees apply


TIMING OF CASH

Funding within 1 week


REPAYMENT

Monthly by direct debit


Now any business can purchase or lease the equipment, machinery or vehicles they need to help their business grow - without paying all those large costs upfront. And we can have the money ready in just one day.

Construction Finance

Unlock cash tied up in outstanding applications for payment and pre-certification.


ELIGIBILITY

Ltd companies trading for a minimum of 1 year and with a turnover of over £500,000


AMOUNT

Confidential facility of up to £3m


DURATION

Unlimited - rolling contract


INTEREST RATE

Competitively priced


FEES

Set up and service fees apply


TIMING OF CASH

Funding within 1 week


REPAYMENT

Revolving working capital facility


If you need your money that’s tied up in lengthy construction contracts, you can borrow the money you are owed on a contract before a certificate of completion is issued. It removes any worries about late payment.

Trade Finance

Unlock the funds you need to fulfill big orders and grow your business.


ELIGIBILITY

Any UK registered and domiciled business


AMOUNT

£25,000 - £2m


DURATION

Revolving line of credit


INTEREST RATE

Competitively priced


FEES

Set up and service fees apply


TIMING OF CASH

Funding within 1 week


REPAYMENT

Repayments are made as goods are sold


We give you up to 120 days credit to pay local and overseas suppliers, and you just pay us back once the sale is completed. It takes the day-to-day pressure off your purchasing.

Purchase Finance

Enjoy the negotiating power of a cash buyer.


ELIGIBILITY

Ltd companies or LLP’s


AMOUNT

£25,000 - £2m


DURATION

Revolving line of credit


INTEREST RATE

From 1.5% per month


FEES

Set up fees apply


TIMING OF CASH

Funding within 1 week


REPAYMENT

Repayment made at maturity of the facility


Even though your customer won’t pay you for months, Ultimate’s new pre-approved Purchase Finance means you can buy any kind of stock you need to fulfill your orders - including raw materials and perishables - and it gives you early payment negotiating power.

Recruitment Finance

We advance cash against your temp or perm placements so you can pay your wage bill on time.


ELIGIBILITY

Any time-sheeted business


AMOUNT

Up to 95% of your unpaid invoice value up to £5m


DURATION

Unlimited - rolling contract


INTEREST RATE

Competitively priced


FEES

Set up and service fees apply


TIMING OF CASH

Advanced within 1 working day of your first payroll


REPAYMENT

Revolving working capital facility


A back office and Invoice Finance facility rolled into one. Removes the hassle of unpaid invoices, chasing up outstanding payments, credit control and payroll administration. Pass the headaches and responsibilities onto us.

Product videos

Ultimate Finance is ready to put cash into businesses that need a bit of breathing space.

Our funding provides the fuel that will ignite a business, clear the stress and quickly grows profit.

Call us

Speak to one of our friendly support teams 8am - 5pm Monday to Friday.

0808 252 7810

Online quote

Get a pre-approved business loan quote in seconds with our free to use tool.

Chat online

Prefer to chat online? No problem, simply click below.