Ultimate Finance is an agile independent lender headquartered in Bristol and owned by the Tavistock Group. As a well established and leading lender in the UK commercial finance market, the firm has funded over £19bn to date. It delivers flexible capital solutions designed to help companies manage cash flow, acquire commercial assets, and achieve growth.
Business Finance Products Offered
Ultimate Finance offers a wide range of commercial funding options to support your business. Its core product portfolio encompasses Invoice Finance, asset finance, structured finance, recruitment finance, and bridging finance. For invoice facilities, funding is available up to £10,000,000, helping companies unlock working capital tied up in unpaid invoices.
In addition, the provider offers dedicated Asset Finance options, including hire purchase, asset refinance, and sale and leaseback facilities. These asset funding options are provided on a non-regulated basis only. Total funding for asset deals reaches up to £3,000,000 overall or £750,000 per individual asset. For businesses seeking Vehicle Finance, funding for cars is available up to £200,000 with a maximum balloon payment of £150,000. Companies looking to acquire machinery or specialist equipment can also utilize these structured facilities via Equipment Finance.
Other commercial solutions available from Ultimate Finance include unsecured Business Loans like revolving credit lines, and trade, stock, and supply chain finance. For property projects, the lender provides commercial mortgages, bridging finance, and development funding.
Summary of Key Facts
The table below summarises the key operational details and product scope for Ultimate Finance:
Feature | Details |
|---|---|
Lender Name | Ultimate Finance |
Parent Group | Tavistock Group |
Headquarters | Bristol |
Minimum Deal Size | £10,000 |
Maximum Deal Size | £10,000,000 invoice finance, £1,000,000 trade finance, £10,000,000 recruitment finance, £2 million construction finance £3,000,000 asset finance £200,000 car finance, £1 millo |
Maximum term | 84 months for asset finance, 120 days for trade credit, 60 months for cashflow loan product |
Sole Trader Availability | Yes, for deals over £25,000 |
Asset Finance Regulation | Non-regulated only |
Specialisms | Asset and Invoice Finance, Working Capital, Construction, Recruitment, Trade Finance |
FCA Firm Reference Number | 484933 |
Companies House Number | 04325262 |
Who Ultimate Finance Suits and Eligibility Requirements
Ultimate Finance is structured to support UK businesses of all sizes looking for funding between £10,000 and £10,000,000 across its product portfolio. Its specialisms focus on asset and invoice finance, as well as broader working capital solutions.
Eligibility criteria and borrowing limits vary depending on the facility, structure, and legal setup of the applicant business:
Deal sizes range from £10,000 up to £10,000,000 depending on the specific facility.
Sole traders are eligible to apply provided the deal size exceeds £25,000.
All asset finance options are non-regulated, meaning they are designed for business use.
Invoice finance facilities can scale up to £10,000,000 to support larger working capital needs.
Asset finance funding covers up to £3,000,000 total or £750,000 per asset, with car funding capped at £200,000 (and a maximum £150,000 balloon payment).
How to Access Ultimate Finance
Businesses can access funding solutions from Ultimate Finance through several direct and indirect channels. Applications can be submitted directly to the lender, via commercial intermediaries, or through finance platforms like ours who use specialist broker services. Because terms, structures, and eligibility vary across products, working with an experienced broker can help ensure your application meets lender requirements before submission and help you compare with other lenders.
How SME Money Can Help You Compare Options
Finding the right commercial funding requires comparing options across multiple lenders. SME Money connects UK businesses with specialist brokers who search over 100 lenders to find the right funding without the bias of a single bank. Whether you are considering Ultimate Finance or exploring alternative lenders for asset finance, invoice finance, or business loans, our broker network offers independent guidance to help you secure optimal terms.