Ultimate Finance
Bristol-headquartered SMB specialist running invoice finance, asset finance, working-capital loans and bridging under one roof. Acquired by Tavistock Group in 2014 with subsequent ownership changes; balance sheet remains principal-funded. Strong service reputation in the broker channel and a mid-market sweet spot mainstream banks have abandoned.
Quick routing verdict
- Product: Invoice finance, asset finance and bridging.
- Ticket band: £10k to £5m.
- Decision time: 24 to 72 hours.
- Pricing: Quoted at offer.
- FCA-authorised.
At a glance
- Legal entity
- Ultimate Finance Limited
- Companies House
- 04325262
- Founded
- 2001
- Product
- Invoice finance, asset finance and bridging
- Ticket range
- £10k to £5m
- Decision time
- 24 to 72 hours
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- Multiple products (invoice, asset, bridging) on one panel relationship.
- Principal lender, not a packager.
- Strong Trustpilot footprint at scale.
- Direct underwriter access on live cases.
When we route elsewhere
- No published pricing across product lines.
- Bridging arm priced on per-month basis; total-cost framing required.
- Personal guarantee typical on commercial term debt.
Best fit applicants
- Multi-product SMB lender relationship
- Invoice finance £100k+
- Mid-market asset and bridging
Where Ultimate Finance is the wrong fit
- Self-serve fintech borrowers
- Sub-£10k tickets
- Sole traders without trading history
If declined by Ultimate Finance
If your application to Ultimate Finance is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Ultimate Finance decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Ultimate Finance
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Ultimate Finance and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.