Ultimate Finance
Bristol-headquartered SMB specialist running invoice finance, asset finance, working-capital loans and bridging under one roof. Owned by Tavistock Group since July 2015; balance sheet remains principal-funded. Strong service reputation in the broker channel and a mid-market sweet spot mainstream banks have abandoned.
Quick verdict
- Product: Invoice finance, asset finance, bridging and working capital.
- Ticket band: £10k (asset finance) to £10m (invoice and structured finance).
- Pricing: Quoted at offer.
At a glance
Ultimate Finance, at a glance
- Legal entity
- Ultimate Finance Limited
- Companies House
- 04325262
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 2001
- Product
- Invoice finance, asset finance, bridging and working capital
- Ticket range
- £10k (asset finance) to £10m (invoice and structured finance)
- Decision time
- Asset finance decision within one working day; bridging decision in principle within 24 hours (its own figures)
- Ltd-only
- No, the lender also accepts other structures
Where Ultimate Finance is strong
- Multiple products (invoice, asset, bridging) under one lender relationship.
- Principal lender, not a packager.
- Direct underwriter access on live cases.
Watch-outs, and when another lender may suit better
- 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, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + 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.
FAQ
What can I borrow through Ultimate Finance?
Ultimate Finance offers invoice finance, asset finance, bridging and working capital. Ticket range: £10k (asset finance) to £10m (invoice and structured finance). Typical rate: Quoted at offer.
How long does Ultimate Finance take to decide?
Asset finance decision within one working day; bridging decision in principle within 24 hours (its own figures)
Who is Ultimate Finance the best fit for?
First on the list: Multi-product SMB lender relationship. The full list is under Best fit applicants above.
When might another lender suit better than Ultimate Finance?
First on the list: Self-serve fintech borrowers. The other cases are under Where Ultimate Finance is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Ultimate Finance
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.